We love our pets like family members. For many us, our dogs are like our furry children. We make sure they are taken care of, fed good dog food, we shower them with best dog toys, and it breaks our hearts when they are sick, which is why I decided to list some of the best pet insurance for dogs we currently have out there.
We're lucky that there are more advanced technologies for home remedies and veterinary treatments now than ever before to keep our pets healthy and extend their lives. But everyone that has paid a vet bill knows just how expensive these treatments can be. That’s why best pet insurance for dogs is becoming such a necessity.
Top 3 Best Pet Insurance for Dogs Providers
Dog insurance plans can make caring for all those unexpected vet trips a lot easier. Most canine insurance plans will cover accidents, illnesses, chronic conditions, and possibly even alternative therapies. Just like shopping for your dog furniture or even own personal health insurance, you need to look for the coverage you want at a price that you can afford. For example, you may need to pay a higher premium if you don’t think you can afford a very high deductible.
1. Healthy Paws Pet Insurance for Dogs Review
Healthy Paws is one of the leading and best pet insurance for dogs agencies in the nation today. They offer coverage in all 50 states, and they are the only U.S. pet insurer with unlimited benefits. Their plans range from $15-$90 and your co-pay and deductible will vary depending on the plan you choose.
You can enroll pets on Healthy Paws pet insurance plans between the ages of 8 weeks and 14 years, and hereditary and congenital conditions are covered as well. They do not cover pre-existing conditions, and your coverage won’t actually begin until 15 days after your policy starts.
Healthy Paws pet insurance for dogs only has two exclusions: there is a 12 month waiting period for hip dysplasia treatment and hip dysplasia is only covered for pets that are enrolled before they are 6 years old.
2. Petplan Pet Insurance for Dogs Review
Petplan is the largest and one of the best pet insurance for dogs providers in the world, and their plans range from $8-$60 per month. They do have annual payout limits which will vary depending upon the policy that you choose. Dogs have to be at least 6 weeks to enroll, but there is no upper age limit.
Your coverage with a Petplan dog insurance policy will begin after 24 hours for accidents and 14 days for illnesses. Pre-existing conditions are not covered, but alternative therapies are. Depending on the plan you choose, Petplan also offers coverage for boarding kennel fees, the advertising costs and reward for a lost pet, vacation cancellations, and death benefits. That's a lot of deals in one offer, which is why I consider Petplan as one of the best pet insurance for dogs providers.
3. Embrace Pet Insurance for Dogs Review
Embrace is another best pet insurance for dogs company, but their policies come with a few more stipulations. You can get policies from them ranging from $13-$100 and there is an annual payout limit depending on which plan you go with. Also, they have a $50,000 lifetime payout limit as well.
Pets have to be at least 8 weeks old to enroll, and the upper limit depends on your dog’s breed. Pure-breeds cannot enroll past 7 years of age and the cutoff for mixed breeds is 9 years. Hereditary and congenital conditions are only covered if they have not already been diagnosed.
Conclusion on the best pet insurance for dogs
As you can see, much like shopping for our (human) health insurance, looking around for the best pet insurance for dogs can be tricky. You would be wise to compare policies, prices, and coverage to find the top option that fits your budget. Online research can get you a long way, but if you still have more questions, a phone call to your vets' office may also get you some good advice.