Dog insurance is a great way to keep your dog happy and healthy. It can be used to cover unexpected veterinary costs, such as emergency visits and surgery, and it can also help with routine care expenses like vaccinations and wellness exams.
You can find many different pet insurance providers. Before purchasing a policy, it's best to research your options. Choose a plan which fits within your budget and is simple to use.
These policies are the cheapest and can be used for dogs with injuries such as bite wounds and broken bones. They don't include illness coverage, so these plans are not an option for dogs who are older or have chronic conditions.
For dogs with chronic or severe conditions, you may want to consider a lifetime coverage plan. If you renew your policy every year, this type of insurance will cover all veterinary expenses you incur for the life of your pet.
AKC's Pet Insurance
American Kennel Club provides pet insurance that covers not only purebreds but also cats and dogs of mixed breeds. Its policies cover new or unexpected accidents, hereditary and congenital conditions and other illnesses, and its claims are processed quickly and efficiently.
AKC's pet policy is available with a 30 day free trial. This allows you to try the insurance out before purchasing it. You can also add on optional add-ons, including exam fees and final expenses for your pet's final days.
Accident-and-illness policies are a more comprehensive type of coverage, and they can reimburse you for vet bills that aren't covered by an accident-only plan. These plans cover up to 80 percent of your eligible medical costs, after you meet the annual deductible. They may also reimburse additional amounts for certain elective treatments.
BestBenefit
Before choosing a policy, you should know how the insurer handles pre-existing diseases. Some plans exclude pre-existing medical conditions. Others impose a waiting period for chronic illnesses that you or a veterinarian may observe before the coverage period of the plan begins.
There are also plans that require a year-long waiting period before they cover any pre-existing condition, even if it is completely cured. It can be difficult to find a policy that covers your dog throughout their life.
These plans have a wide range of premiums, but most are low enough that they are worth the cost. The premiums vary depending on your dog's age and breed.
Average cost of pet insurance is $500 per annum. You can reduce the cost of your pet insurance by selecting a lower deductible or coinsurance. This is useful if your dog has a health history or is susceptible to developing diseases later in life.