Dog insurance is a great way to keep your dog happy and healthy. The insurance will cover any unexpected veterinary costs including emergency visits, surgery, and routine care such as vaccinations and wellness checks.
There are many pet insurance companies out there, and it's important to consider your options carefully before purchasing a policy for your dog. It's important to find a policy that suits your budget, offers good coverage, and is easy to operate.
Accident-only policies can be the most affordable option and are useful for dogs with injuries, including broken bones and bites wounds. These policies do not cover illness and are therefore not suitable for older dogs, or those who have long-term conditions.
You may consider lifetime coverage for dogs who have severe or chronic conditions. This type of plan will pay for veterinary treatment you incur throughout your pet's lifetime, provided you renew the coverage each year.
AKC Pet Insurance
American Kennel Club provides pet insurance that covers not only purebreds but also cats and dogs of mixed breeds. These policies include coverage for new or unexpected injuries, hereditary, congenital, and other diseases. They also process claims quickly.
AKC's Pet Insurance is available as a 30-day Free Trial, so you can see the benefits of this insurance before you decide whether to buy it. Add-ons are available, such as exam fees or final expenses to cover your pet in its final days.
These policies offer more comprehensive coverage. They also cover vet costs that would not be covered under an accident only plan. These plans offer up to 80% reimbursement of eligible medical costs once you have met your annual deductible. Additional levels of reimbursement are also available for elective procedures.
BestBenefit
Before choosing a policy, you should know how the insurer handles pre-existing diseases. Some plans will not cover preexisting diseases, while other policies have a period of waiting before they begin to pay for chronic conditions that you and your veterinarian identify.
Some plans require a waiting period of one year for pre-existing medical conditions, even if the condition is fully cured at the end of the coverage period. It can be difficult to find a policy that covers your dog throughout their life.
The cost of the plans varies significantly. However, they're often low enough to justify the price. The premiums vary depending on your dog's age and breed.
The average cost of a pet insurance plan is around $500 per year. You can reduce the cost of your pet insurance by selecting a lower deductible or coinsurance. This is helpful for pets with health issues or those who are prone to disease.