Top 10 Dog Insurance Companies
Every dog owner dreads the thought of their dog becoming ill or getting injured. While months or years can go by with no problem, cancer, tick-borne diseases, being hit by a car, or swallowing poison can occur suddenly and unexpectedly. With the price of veterinary care rising every year, many dog owners have opted to buy health insurance for their dog. A stay in a veterinary hospital can cost thousands of dollars, and no dog owner wants to be forced to make a decision between treatment and euthanasia.
Most dog insurance companies will not cover pre-existing conditions, and many have restrictions on age or genetic and hereditary diseases. This last usually weighs most heavily on purebred dogs, who sometimes are subject to various disorders specific to their breed.
VPI (Veterinary Pet Insurance) probably provides one of the most complete policies available. Several different plans are offered, providing various levels of care. An advantage VPI has is that the coverage for your dog is worldwide, so if you are traveling, help is always easily available.
Another company that compares favorably with VPI is PetsBest Dog Insurance. Worldwide protection is also available here. This company allows for alternative treatments. Like VPI, several different plans are offered.
A company that offers a very high lifetime benefit level is 24PetWatch Dog Insurance. 24PetWatch gives the dog owner 4 plans from which to choose. This company will cover hereditary diseases as long as they have not manifested themselves at time of policy purchase.
PurinaCare Dog Insurance is a company similar to the above and offers 2 levels of insurance protection. PurinaCare Dog Insurance also adds a wellness category to its more expensive policy.
PetPlan Dog Insurance offers the dog owner 3 levels of plan, at varying levels of protection and cost. This company also allows for alternative treatments such as acupuncture. This was the only company surveyed that offered a 30 day money back guarantee.
Embrace Dog Insurance will enroll dogs with pre-existing illnesses in their Accident Plan. Such dogs are not eligible for standard health insurance, however. Embrace offers the Full Coverage Plan, for healthy dogs, which will cover nearly every condition.
Trupanion Dog Insurance is also a trusted company that offers just one policy and, like Embrace, there are no divisions of coverage. This company covers all accidents and injuries (for a healthy dog) under one policy, there are no gradations.
PetFirst Dog Insurance offers various levels of protection in their plans, and is one of the only companies offering enrollment for dogs over 10 years of age.
Pet Assure is not an insurance company like those above. The benefit to Pet Assure is that they will accept any dog, regardless of age or health. All accidents and illnesses will receive a 25% discount at the time of service. Dogs with pre-existing conditions or old dogs will be able to get a certain measure of protection here.
Most of the dog insurance plans covered in these articles are quite similar and differ only in details of coverage, benefit limits, and policy cost. A dog owner wanting to buy a health insurance policy for their dog should first decide exactly what they feel their dog needs and what they can afford. Remember, it is often possible to reduce policy costs by having a high deductible. The policy will then offer you protection from catastrophic illnesses and accidents while keeping your monthly payment lower. Also, most dogs cannot be enrolled in any insurance plan (except Pet Assure) until they are 8 weeks old. There is usually a sign-up cut off of 8 years for mixed breed dogs and 6 years for purebreds.
The quotes given in the accompanying insurance company articles are based on a theoretical dog named Grumpy. Grumpy was generally a yellow Labrador Retriever. He was a young, healthy, intact male dog. To receive a more accurate quote, based on your dog’s age, breed, and sex, please visit the company websites.
Pet Assure Pet Insurance Reviews
Pet Assure has a different approach to protecting your dog’s health and well-being. Pet Assure is not a dog insurance company, they do not provide specific plans that the customer can choose from. By joining Pet Assure the dog owner will able to receive 25% off most veterinary visits. Every dog is eligible, unlike the policy of conventional dog insurance companies, regardless of age, pre-existing conditions, or genetic or hereditary ailments.
Trupanion Pet Insurance Reviews
Trupanion Dog Insurance has been offering dog owners affordable dog health and accident insurance for almost 10 years. Originally a Canadian company, Trupanion Dog Insurance became available to dog owners in the United States in 2008. At that time, Trupanion received the American Animal Hospital Association Seal of Acceptance, the first dog insurance plan to do so.
Veterinary or VPI Pet Insurance Reviews
Veterinary or VPI Pet Insurance is designed to make decisions about your dog’s health easy. Treatment for your dog will be based on what your veterinarian believe is best. It is important that you feel confident and comfortable with your dog’s health provider. Not only will you be able to choose the veterinarian you want, but your dog will be protected wherever you travel worldwide.
The American Society for the Prevention of Cruelty to Animals has a 140 year history of protecting the lives of animals, especially dogs. The ASPCA has now expanded that protection to cover the health of family dogs. Illness or injury can strike unexpectedly, and having this protection for your dog will help ensure that proper treatment and your peace of mind.
Pet First or PETFIRST Pet Insurance Reviews
Pet First or PETFIRST Health Care for Dogs, while covering many conditions, does exclude certain things. As is usual, pre-existing conditions are not covered by PetFirst. Cosmetic and elective surgeries and procedures, such as tail docking, ear cropping, special diets, and nail clipping are not covered. However, PetFirst carries a number of policies, and one of them will probably be right for your dog
24PETWATCH Pet Insurance Reviews
24PetWatch Dog Insurance is available to dogs older than 8 weeks of age. Dogs are eligible for enrollment until they are 8 years old, except for certain select breeds, which can only be enrolled up to age 6. Anyone considering 24 Pet Watch Dog Insurance should check the list of select breeds to see whether their dog is included on it. While there are many factors of our dog’s life over which we have no control, purchasing accident or health insurance will give us peace of mind and provide protection for our dog.
Pets Best Pet Insurance Reviews
Pets Best Dog Insurance does not limit your dog’s insurance protection to the United States and Canada as do many plans, but extends this coverage worldwide. In addition to the usual standard treatments available at your veterinarian, Pets Best Dog Insurance also covers such alternative treatments as chiropractic procedures, acupuncture, and holistic medicine. You will find that emergency, after hours treatment is also covered.
PURINACARE Pet Insurance Reviews
Purina, long a trusted name in canine nutrition, also offers insurance to provide your dog with the protection it needs. PurinaCare Dog Insurance wants to make caring for your dog’s health as easy as possible. PurinaCare offers no lifetime limits on claims, and there are also no per incident restrictions on illness or accident. The dog owner can go to any veterinarian in the state where service is given.
Embrace Dog Insurance was founded in 2003. It has since generated a following of loyal customers. Embrace Dog Insurance will cover a multitude of health conditions and accidents. Depending on the policy you choose for your dog, Embrace Dog Insurance will provide coverage for illnesses, accidents, laboratory tests, surgery, hereditary conditions, and conditions specific to different breeds.
PETPLAN Pet Insurance is a company established for over 30 years, Petplan Dog Insurance provides trusted coverage for dog owners. As owners of purebred dogs know, their dog has a very good chance of eventually developing a hereditary condition. Petplan will cover these conditions up to policy limit. There are no restraints on time limits for the hereditary conditions. Pre-existing conditions are not covered.
If you can't find a local insurance provider in your area don't worry, most online insurance companies will cover you if you live within the United States. There are also quality Pet Insurance companies in Canada.
Most Pet Insurance Providers will cover you if you live in the following States: Alabama AL - Alaska AK - Arizona AZ - Arkansas AR - California CA - Colorado CO - Connecticut CT - Delaware DE - Florida FL - Georgia GA - Hawaii HI - Idaho ID - Illinois IL - Indiana IN - Iowa IA - Kansas KS - Kentucky KY - Louisiana LA - Maine ME - Maryland MD - Massachusetts MA - Michigan MI - Minnesota MN - Mississippi MS - Missouri MO - Montana MT - Nebraska NE - Nevada NV - New Hampshire NH - New Jersey NJ - New Mexico NM - New York NY - North Carolina NC - North Dakota ND - Ohio OH - Oklahoma OK - Oregon OR - Pennsylvania PA - Rhode Island RI - South Carolina SC - South Dakota SD - Tennessee TN - Texas TX - Utah UT - Vermont VT - Virginia VA - Washington WA - Washington, D.C. - West Virginia WV - Wisconsin WI - Wyoming WY - Hawaii HI.
