It is important to protect your dog's health and happiness by purchasing insurance. You can use it to cover unexpected vet costs like emergency surgery and visits, as well as routine care expenses such vaccinations and wellness examinations.
There are many companies that offer pet insurance. It is important to compare your options before choosing the right policy for your pup. You will want to select a plan that is affordable, easy to use and provides good coverage.
Accident-only insurance is the least expensive and most useful option for dogs who have suffered injuries like broken bones or bite wounds. These policies don't cover illnesses, so older dogs and those with chronic health conditions aren't covered.
For dogs with chronic or severe conditions, you may want to consider a lifetime coverage plan. This type of policy will pay out for veterinary treatment that you incur over your pet's life, as long as you renew the policy each year.
AKC's Pet Insurance
American Kennel Club's (AKC) pet insurance is available not only for purebred dogs, but also mixed-breed cats and dogs. Its policies cover new or unexpected accidents, hereditary and congenital conditions and other illnesses, and its claims are processed quickly and efficiently.
AKC's Pet Insurance is available as a 30-day Free Trial, so you can see the benefits of this insurance before you decide whether to buy it. You can also add on optional add-ons, including exam fees and final expenses for your pet's final days.
Accident-and illness policies provide a more comprehensive coverage. They can also reimburse vet bills, which are not covered under an accident-only policy. These plans reimburse up to 82% of eligible medical bills after you've met the annual deductible.
BestBenefit
It's important that you understand how an insurance company will handle pre-existing medical conditions when choosing a plan. Some plans will not cover preexisting diseases, while other policies have a period of waiting before they begin to pay for chronic conditions that you and your veterinarian identify.
Other plans include a one-year waiting period for any pre-existing conditions, even if they are fully cured by the time the coverage period ends. This can make it difficult to find a plan that will cover your dog for the rest of their lives.
The cost of the plans varies significantly. However, they're often low enough to justify the price. These premiums are based on factors such as your dog's breed and age.
Average annual cost for pet insurance plans is about $500. By choosing a coinsurance and lower deductible, you can lower the premium. This is helpful for pets with health issues or those who are prone to disease.