There are many types and options for dog health insurance. You can pick the right coverage for your dog, based on their current health. Dog insurance can help older dogs in poor health. It can pay for medical bills for many ailments including cancer, heart disease, and dental problems.
Plans for Pets
You don't have to worry about paying for veterinary visits and expensive diagnostic tests if you have a dog health insurance plan. There are many companies that offer these policies. Many companies offer wellness services to improve your pet’s overall health. The best companies provide comprehensive coverage and can customize to meet your pet's needs and budget.
Healthy Paws provides pet insurance coverage that covers a dog from head through paw. It covers accidents, injuries, illnesses, and genetic conditions. You have the option to add surgery and alternative treatments or limit coverage to routine exams. Healthy Paws also offers a lifetime and single accident and illness policy for both dogs and cats. The policy also has no per-incident benefit cap and deductibles ranging from $100 to $500.
Healthy Paws
Healthy Paws is a trusted company that offers dog insurance. The Chubb Group underwrites the policies. This group has a $25 Billion surplus and an A+ rating from credit rating agencies. It is also accredited through the Better Business Bureau. Its customers praise the company's customer service, claims process, and premiums.
Healthy Paws is not able to cover all medical expenses. However, it can cover vet fees and emergency care. The plan has some limitations. It requires a wait period of at least two weeks and a maximum of 15 days for certain conditions, like hip dysplasia. The plan does not have an annual limit. You must enroll for at most 15 days. However, this is a smaller disadvantage than many other dog health insurance plans. These require you to be enrolled for at least 15 days before your pet can get coverage.
ASPCA
The ASPCA's dog insurance can be a great option to protect your dog from any unexpected expenses. There are several plans that you can choose from. Their full-coverage plan covers an extensive range of health issues. There are also add ons that provide preventative care and accident-only coverage.
ASPCA dog health insurance reimburses up to 90% of covered vet bills. These plans can be customized to provide the coverage you need, depending on your budget. You can also choose an annual deductible and reimbursement (co-insurance) percent. You can also choose to use any veterinarian you like. You can either submit a claim online, or by mail.
XL Specialty Insurance Company
XL Specialty Insurance Company offers a variety of coverage options for your dog. The Whole Pet plan offers comprehensive coverage for your dog, with a $3,000 emergency fund. These plans are affordable, and can cover up 6 pets. There are two options available: either accident coverage only, or coverage for both accidents and illnesses.
Comprehensive plans provide coverage for all costs related to illness and accidents. You can add wellness coverage on to your policy. Comprehensive policies provide coverage for everything from wellness exams to treatment and vaccinations, to behavioral therapy. XL Specialty Insurance Company offers dog insurance at the best prices and can be found in several cities.
Direct Line
Direct Line provides a wide range of options to pet owners. These options include a fixed excess, a flexible policy, and optional extras. These features can help owners look for lower premiums. Trustpilot rates the company highly, giving it a rating of 3.8/5 stars.
A discount is available for multiple pets. However, the discount is only good for the first 12 monthly period of your policy. Premiums are usually higher every year. The plans do NOT provide lifetime protection and the maximum benefit for each condition is fixed. Pet health insurance does not include dental care.