The 5 Best Pet Insurance for Dogs

woman carrying a gray dog

If you treat your dog like your biological child, you probably have at least thought about enrolling in pet insurance, if you don’t already have a dedicated Fido plan.

There are many things that can go wrong with dogs — from eating a sock to catching an illness in the dog park — that could land them in the vet’s office. And when your pup ends up at the vet for an accident or illness, you end up with a hefty vet bill.

SEE ALSO: The best pet insurance companies of 2022

Since dogs (even the most active ones) can be so prone to accidents and illness, pet insurance will provide some peace of mind for your fur baby. We recommend pet insurance for people who can afford a premium of $10 to $50 per month, but might struggle to pay expensive veterinary bills in an emergency.

How does pet insurance work?

In general, pet insurance works the same way as human insurance, with a monthly premium and an annual deductible that you must meet before the plan starts paying for veterinary care. Where pet insurance differs, however, is that it often offers a reimbursement model where you pay upfront for veterinary care and then file a claim with the insurance company to be reimbursed. .

Pet insurance typically offers reimbursement rates of 70% to 90%, and rolling deductibles can range from $100 per year to $2,000 per year. Most pet insurance plans are quite customizable, so you can select the reimbursement rate and annual deductible that suits your budget. Some plans also include an annual limit, which limits the amount of money you can be reimbursed for a year.

Many pet insurance plans have age limits for dogs, which is important to note before purchasing. Most plans completely reduce a dog’s eligibility at a certain age, usually 14. Other plans only reduce enrollment at a certain age, but will cover your dog for life. We’ve also seen a few rare blueprints that don’t have an age limit, but those are rarer.

Also related to age, some plans will increase your monthly premium as your dog ages, so be mindful of this when choosing a pet insurance policy for your furry friend.

The most important thing to keep in mind about pet insurance is that pre-existing conditions are never covered. This means it’s best to enroll your dog when young and stick with this insurance plan for life to avoid missing out on coverage for any illnesses they may develop.

What does pet insurance for dogs cover?

The vast majority of pet insurance plans only cover accidents and illnesses. This means that if your dog gets into dangerous food or gets injured while playing, you are fully covered. Some plans even cover dental care and behavior therapy (great for anxious puppies).

SEE ALSO: Dog anxiety is real. These products can help calm your anxious pet.

Things like preventative care, monthly flea and tick preventions, and annual vaccines aren’t covered by normal pet insurance plans, but most businesses now have the option to add a plan. additional welfare that can help cover these costs. Spoiler alert though – none of the wellness plans we’ve reviewed are as great. As for annual vet fees, you might be better off setting aside some money each month to cover these types of predictable vet fees.

How much does pet insurance for dogs cost?

We’re sorry to tell you, but it depends. Monthly pet insurance costs for dogs vary greatly depending on their age, breed, size, and where you are. The monthly costs for someone who lives in an extremely rural area may be higher simply because there is not as much veterinary care available.

Your monthly price will also depend on some of your choices, namely the chosen deductible, the annual limit and the reimbursement rate.

We found that pet insurance plans for small and young dogs tended to be the cheapest, starting around $20 per month, while monthly rates for larger and older dogs could reach more than $100 per month. Generally, though, we’ve found prices to range from $40 to $80 per month on average.

If you’re ready to dive into the nitty-gritty of the world of pet insurance, we’ve compiled information on our top five pet insurance choices for dogs.

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