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Insuring Their Future: Health Insurance For Your Pets

Updated on October 21, 2013
Allergic Bulldog Paw
Allergic Bulldog Paw
Bandaged Pitbull
Bandaged Pitbull
Ear Inspection
Ear Inspection

When it comes to your pet’s health, you want to make the right decisions. You shop around for the best food, see the veterinarian regularly and make sure your canine is safe. Besides making sure he or she receives the right shots, is kept on a leash and is carefully monitored while playing, what else can you do?

There is one other measure. You can pay protection money. In other words, you may consider purchasing pet insurance. While this option is not suitable for every dog owner, it may work for some.

What is Pet Health Insurance?

Pet insurance is a form of life and medical insurance. The owner of the animal purchases a pet policy or plan. The policies operate in a fashion almost identical to those directed to humans. This includes the language.

When you read the plan, it will refer to the following:

  • Premiums
  • Deductibles
  • Eligible expenses
  • Accident coverage
  • Illness coverage
  • Preventive care coverage

As is the case with any type of insurance policy, make sure you understand each term. If you have any doubts or it does not make sense, ask the insurance borker or provider.

Where many pet insurance plans differ is in the area of pre-existing conditions. Some animals may face exclusion because of genetic or hereditary predisposition to a certain health problem or health condition. When you apply for pet insurance for your dog, it is essential you know what the terms of the policy are and what it requires from you. Your pet is unable to ask the necessary questions so it is up to you to make sure you get it right.


There many different sources providing pet insurance. These include companies specializing in pet insurance, “normal” insurance companies, several pet food companies, pet security companies and other organizations. In some places the local pet shelter or humane society may supply it to their clients. Read up on the subject. Before you commit yourself, make sure you can ask the right questions.

Questions To Ask

Before you decide, you need to be aware of the facts. You must know what questions to ask. Failure to do so might mean you end up with the wrong type of pet insurance. Talk to a vet about your do. Look online and talk to an agent of pet insurance in person. Consider the following list a guideline:

  • What does the policy specifically cover? What kinds of accidents, illnesses and other related “perils” are covered by each policy type?
  • What does each policy NOT cover?
  • How much are premiums for each plan?
  • What exact aspects affect the premiums? Is it age, gender, breed medical history?
  • Does the policy restrict dogs who exhibit a series of illnesses or seem to be “accident prone?”
  • What is the deductible?
  • What factors affect the deductible?
  • Are certain breeds not accepted or highly “penalized?”
  • What are the limits the policy places on coverage?
  • Does the policy contain any geographic limitations?
  • How quickly does the company payout for a claim?
  • Does the company give discounts if you purchase multiple policies? Can the coverage apply to both cats and dogs combined?


Pet insurance is becoming increasingly common. It is perceived as a means of decreasing the cost of dog ownership. A proactive measure, it can be suitable. Always do your research. Talk to friends about their choice. Ask your vet. Go online. Only after you have researched the topic thoroughly can you go ahead and make an informed decision.

Healthy, Happy Bulldog
Healthy, Happy Bulldog


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    • profile image

      JosephBass 3 years ago

      That's so good for our dog's life to getting insurance service to take care our dogs health and we don't worry about it more, if we insurance for our dog, but we still think about dog food because food is important thing for our dogs' health. the best dogs food in here:

    • JayeWisdom profile image

      Jaye Denman 3 years ago from Deep South, USA

      Although I did extensive research before purchasing pet insurance and paying high monthly premiums for more than a year, my experience when I needed (and expected) coverage was anything but good! Information needed by the policyholder was kept "hidden" until a claim was denied. I've decided that the only time pet insurance really pays anything is when a pet is injured, because they have very small annual limits on coverage for every imaginable illness a dog might ever had. And, if imagination can be stretched to call an illness "pre-existing" (even with a letter from the vet stating it in no way approximates a prior illness or its cause), they won't pay. Money down the drain for all those premiums.

      This horrible pet insurance plan (owned by one of the insurance firms that does everything possible to rip off humans) is VPI. I tell everyone I know with pets not to apply to VPI because it is NO GOOD. VPI is a ripoff and a scam.

      From what I've heard from friends and read, apparently pet insurance is better in other countries, especially the UK. Anything the insurance industry has its fingers in within the USA can be counted on to be dodgy!