When buying dog insurance it is important to compare and contrast policies and companies in order to get the best deal for your pet. Choosing the right plan for your dog requires research and consideration of how much coverage your dog needs, and what you can afford.
Understand What the Insurance Covers
Choose a plan that will cover the treatments your pet may need depending on his age, breed and lifestyle. Puppies may need spaying or neutering and vaccinations, while older dogs may need more medication and treatment.
Check if the plan covers dental, wellness, emergency care and accidents, kennel care or cancer treatments. If not, ask if they can be added on.
Insurance Costs More for Some Breeds
Some insurance companies charge higher rates for breeds of dog like pit bulls, German Shepherds, and Rottweilers, with some companies completely banning any coverage of these animals.
Older dogs often cause rates to be higher as well.
Add-ons, Exclusions and Payment Options
Consider the following questions:
- What add-ons are available and at what price?
- Do they offer multiple pet discounts?
- Are there any exclusions for certain treatments and illnesses?
- Check your payment options and the claims process. What are the co-pays, reimbursement schedules, and filing deadlines?
Shop Around for the Best Insurance for You
Look at several plans and browse through the terms before committing to one policy. The cheapest option may not be the best, and it is important to plan ahead for any possible treatments your dog may need as he gets older.