Insurance Coverage for Your Dog

As a pet owner, you may want to consider investing in an insurance policy for your dog. There are many insurance companies that offer coverage for just a few dollars a month. Veterinary bills can be costly and having an insurance policy may help cover the expense of keeping your dog healthy. There are different types of coverage available, so be sure to research several companies to see what’s available. Once you know what the policies have to offer, make a checklist to help you decide which things are most important to you as far as coverage goes. Then decide how much you can afford to spend on insuring your dog. These two things will help you determine which insurance policy is right for you and your dog. Poisonings, cancer, bloat, accidents, allergies, x-rays, illnesses and surgeries are usually covered. Hereditary conditions, wellness exams, vaccinations, fecal testing, deworming, microchip, flea/heartworm preventatives, blood screen, EKG, urinalysis and spaying/neutering may or may not be covered. Some insurance companies may also offer additional options that can be added on to your policy for coverage of things like boarding/kennel fees, advertising and rewards, loss due to theft or straying and death from illness or injury. Pregnancy and dental care are also considered “extras” by many insurance companies and may have an additional cost to cover them. Pre-existing conditions, congenital conditions, preventable conditions, elective and preventative procedures, non-vet expenses, food, special diets, vitamins, supplements and breeding expenses are most likely not going to be covered. Sometimes a pre-existing condition will be covered after the policy has been in force for a certain number of months. Elective procedures can be procedures such tail docking, dewclaw removal and ear cropping. Each insurance company should be able to provide you with a schedule of benefits that outlines exactly how much they will pay for each item that they cover. You may only want coverage for emergency situations or you may want to opt for comprehensive coverage. Either way, the insurance company will most likely pay you rather than the vet. This also means that you will always be responsible for filing the claims correctly for each visit to the vet’s office.

Keep your dogs health good with healthy dog treats.

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