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Dog Health Insurance Guide

This dog health insurance guide can help you choose the right dog health plan for your dog, which could be a lifesaver one day.

It means that you won't have to empty your savings account to cover veterinary bills if Fido gets seriously injured or sick.

And may also provide reduced costs for more routine procedures and provides huge peace of mind.

Dog health insurance could be a lifesaver for your pet.

The cost of good veterinary care has risen rapidly over the past decade or so, and it's continuing to go up and up.

This is generally because the number of diagnostic tools & tests, medications and treatment options available for our furry best friends are growing. 

Of course this is good news for our dogs but these advancements can carry a  hefty price tag.

That's where dog health insurance comes in.

It works in a very similar way to the health insurance you have for your human family and the security that gives your pet is priceless.... so is the peace of mind that it gives you!




Why Fido Needs Health Insurance

The best time to get dog health insurance in place is while Fido is a puppy, before he has been hurt or had a serious or chronic illness.

Puppies can be tiny tornadoes, rushing here there and everywhere without any respect for gravity, danger or anything (or anyone) who gets in their way.

Not to mention the fact that they work on the assumption that everything is edible until proven otherwise.

The Top 10 Puppy Accidents according to a VPI Pet Insurance survey:

  • Soft tissue traumas
  • Lacerations or bite wounds
  • Cruciate Ligament injuries
  • Sprains
  • Insect bites/stings
  • Abrasions
  • Torn nails
  • Eye traumas
  • Drug toxicity
  • Oral cavity traumas

Any of these could result in several hundreds of dollars worth of vet bills, or more... and they can happen in the blink of an eye.

Although many dog health insurance plans exclude pre-existing or chronic conditions, every dog can still benefit from being covered by pet health insurance because we never know what the future holds.


About Dog Health Insurance 

Obviously any guide to dog health insurance needs to take a look at the basics of pet health insurance and the variety of different coverage options available across the board.

Dog health insurance guide

Pet health insurance works in pretty much the same way as the health insurance you have for yourself and your family.

You pay a fixed amount each month (this is called your 'Monthly Premium') to cover your pup or dog for unexpected major veterinary bills.

As with human health insurance there's a co-pay and deductible that you're responsible for paying and then the balance of your bill is reimbursed to you by the pet health insurance company.

There may be a limit as to how much the policy will pay out over a year, or the lifetime of your pet.

Many more European owners have pet insurance coverage on their pets than do their US counterparts.

In the UK approx. 42% of pets are covered, in Germany it's about 33% - while in the US it's currently only around 2% despite of an increase in the number of companies offering this service.

Every pet health insurance company is a bit different in terms of the plans they offer, the conditions that are covered, and how much you pay for them.

As insuring your pet's health becomes more and more popular, the number of plans and options is increasing.

This is good for both you and Fido because it means it's even easier to find the right plan for your pet's needs, and your budget.

It can be a little confusing trying to compare different policies and reading all the fine print, so I've done the heavy-lifting for you :)

Just hop on over to my How To Choose The Best Dog Health Insurance page and you'll find everything you need to know, all in one place!


Dog Health Insurance Policy Options

Today there are several different pet insurance companies to choose from (with more appearing all the time), and figuring out which one is best for YOU and YOUR PUP can be a challenge.

Dog health insurance plan options

Most pet health plans are similar in that they include monthly premiums, deductibles (either per incident or per year), and offer a range of different coverage options to suit a every need and budget. 

But there are many differences too.

Some of them are minor, but others aren't.

These can affect how much you pay for your premiums, which conditions are covered and what out-of-pocket expenses you need to allow for.

It's also really important to take a look at pet insurance comparison information when you choosing a pet dog insurance plan.

These are some of the points you ought to check out -

Some plans have widely differing age limits, both minimum and maximum, make sure you know what the numbers are on any policy you're considering

Some policies may exclude certain breeds, or charge extra to cover them. These may be breeds that are prone to specific hereditary or genetic conditions

A few health insurance policies include routine procedures (such as vaccinations, annual check-ups and/or routine preventative care) but most don't and instead may charge an additional fee for a 'wellness plan' add-on

Waiting periods can also vary quite a bit (this is the time it takes for your pet dog health insurance to come into effect after you've signed up)

Covered procedures can vary These might include neutering & spaying, dental care, eye care, prescription medication, alternative treatments, cancer, hip dysplasia and more may or may not be covered, depending upon the pet health plan you choose

The 'caps' or limits differ from plan to plan Each pet health insurance company's policies may differ in the 'caps' or limits that they apply to individual medical procedures, or over a year or the lifetime of your pup

If you have several dogs, or other pets (cats, rabbits, even birds), you may want to check whether or not the pet dog insurance provider you're interested in, offers discounts for multiple pets. Some do, some don't.

And while you're at it, why not also ask if they offer any 'extras', such as discounts on pet products or services, a regular newsletter, or even help towards paying for your pet's boarding costs should you be hospitalized yourself.

Choosing the right insurance plan for you and your pet/s will save you money and heartache, and it's a whole lot easier to make a smart decision when you have the correct information and guidelines at your fingertips.

You can get a lot of information about many pet dog insurance providers online.

Check out their policy options in detail, remembering to use the above checklist!

You can usually get free quotes and even enroll online as soon as you've made your choice.

Two of the top pet health insurance companies in the field are Trupanion Pet Insurance and Embrace Pet Insurance.

You can get lots of information online by comparing companies and their policies, checking out pet insurance reviews, even get totally FREE, no-obligation quotes

Remember to be sure to do your research carefully though, and ask all the right questions BEFORE you 'sign on the dotted line'.

You can learn more about which questions to ask by checking out my PDF article entitled 'Pet Dog Health Insurance Questions'.

Click here to download it FREE.


Picking The Right Plan

If you've just started to look at insurance for Fido, it can seem overwhelming at first.

But if you read all the above info. in this guide to dog health insurance and check out the pages/articles that I have linked to, you should have a solid basic knowledge which will help you pick the right plan for your dog.

When I started to look for a plan to suit my new puppy and I did a LOT of research - in fact my brain hurt by the end of the day!

But now you can benefit from the time and brain-ache I went through because I'm going to share the information I gathered with you :)

I'll compare pet health insurance quotes that I got for my 4 month old German Shepherd puppy, tell you which pet insurance companies I think have the best plans and explain their options...

.... plus give you a quick look at what the most common words/terms that you're going to come across actually mean.

Just jump on over to my 'Best Dog Health Insurance' page to get immediate access to all of this and more.


Related Topics


› Dog Health Insurance Guide

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