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Dog insurance pet plan

Updated on May 9, 2012


Health maintenance costs for your dog are increasing all the time.  Which is why a dog insurance pet plan is important.  There are some new insurance companies that are providing many coverage options for any budget and need.   When choosing a provider make sure to do your research.  A few questions need to be addressed to make sure you get the proper coverage.  Is the dog pure breed or mixed breed? The mixed breed dog are cheaper and easier to insure because they do not usually have any hereditary and congenital diseases to deal with that a pure breed dog would have. No breed specific illnesses to deal with.  An accident only plan may be the best and the least expensive route to go to cover your pet.


Inherent diseases that are breed specific.

Certain breeds are susceptible to certain diseases than mixed breed dogs. If this is the case make sure your dog is covered for these diseases. Some of the older insurance providers did not cover these illnesses. Another thing to consider is pre existing conditions. The topic is very tricky and can create quite a stir between the owner and the insurance provider. Find out what the provider means by pre existing. A reputable company will list these conditions upfront and tell you whether they cover them or not.

Will the lab work be covered?

One of the more frustrating expenses is lab work. Lab work can be 40% of the vet bill in some cases. How about dental work is it covered? Most veterinary offices are offering teeth cleaning and you should have it done. If the teeth are not cleaned and maintained properly, it can lead to gum disease or gingivitis. If your dog's breed is prone to have these problems check into coverage for these conditions.

The age of the dog you want to insure.

Most providers won't insure a dog over the age of 8. Some companies do have senior plans for older dogs. Any dog under the age of 12 months usually will not be covered. Will they cover preventive medicines? Most companies will not cover these medicines unless you get an advanced plan. Using flea control is one of the best preventative measures you can use to help alleviate some of the surgical care and treatment later in the dog's life.

These are just some of the questions you need to address when looking for a dog iinsurance pet plan. The cost of this policy may seem high at first but when you consider the high price of veterinary medicine, you will come to realize that your dog is worth the investment.


do' and dont's of dog health insurance


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      Stacy 8 years ago

      Thanks for the info! I never knew about pet insurance until a few months ago, and am realizing how good of an idea it is. I got it for my dog and it's such a relief knowing that if anything happens, I won't have to pay for it.

    • dohn121 profile image

      dohn121 8 years ago from Hudson Valley, New York

      Darn. I was hoping I could get insurance for my dog, but he's already 10, the poor guy. Hey, thanks anyway, Sammy!

    • eonsaway profile image

      eonsaway 8 years ago from New Mexico, USA

      Good information for dog owners especially if they are having dog health problems.

      Good writing easy to follow.

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      charlino 8 years ago

      Nice article. Thank you for sharing the information.