Evaluating Best Pet Health Care Insurance For Your Dogs

Pet Health Insurance covers your veterinary expenses in case your pet becomes ill or is injured.

Pet care insurance works like human health insurance as it comes with its set of deductibles, co-pays, premiums and usually no coverage for pre-existing health conditions.

Dog not feeling wellMax

Your pet insurance premium can go up or down depending on how much of a deductible you opt for and how much you are willing to co-pay in case of an insurance claim.

In fact, like humans, pet health insurance can be more expensive for older animals that are more prone to getting sick.

Some of the better pet insurances may also cover wellness procedures including vaccinations, neutering, heartworm testing and the like.

How To Know If You Need Pet Health Insurance?

Having pet insurance can save you from unexpected expense which can go up to thousands of dollars depending on what illness or injury your pet has incurred.

With advancement in biotechnology, veterinary expenses have increased considerably due to costs associated with state of the art equipment being used to diagnose the illness.

Also, the demand for veterinarians has increased, and so has the cost of training and providing quality service.

All these factors increase the costs associated with taking proper care of your pet’s health.

Curious dog looking through fence

When opting for pet insurance, it is important that you consult with your veterinarians to understand what type of coverage would benefit your pet the most.

You should have a fair idea about the deductibles and co-pays that you need to pay on your insurance plan.

Some insurance companies may not cover pre-existing health conditions, or they might have specific veterinarians on their panels.

You should ensure that your veterinarian is on the approved list of doctors on the pet health insurance plans you are choosing.

Types of Pet Health Insurance

Many insurance companies offer pet health insurance, however not all plans are the same.  Some of the widely used pet health insurance policies include:

Accident Only Plans

If you are concerned about your pet injuring itself due to an accident such as falling from a high place or being struck by a moving object, you can opt for Accident only insurance which covers injuries including broken bones or burns.  However, this type of insurance may not cover health issues due to an illness.

Pet Wellness Plans

These plans cover for routine checkups and prevention concerns including annual physical checkup, flea and tick preventatives, neutering and vaccinations.  Having such health plans allow you to minimize expenses while keeping an eye on your pet’s health with routine checkups.

Lifetime Insurance Plans

These types of plans provide your pet with most comprehensive coverage giving you relief in case of health, accidental, or any other preventive and regular health expense related to your pet.  Since they are quite comprehensive regarding coverage, they are usually the most expensive to maintain.

Lifetime insurance plans are ideal for pets that have a chronic illness and require complicated surgical procedures on a regular basis.

Apart from these primary types, there are times or amount capped insurances as well which cover your pet’s health till you reach a certain threshold such as 12 months or $1500.

Best Pet Health Insurance

Boy hugging his dog

To find your perfect insurance plan, you need to ask yourself questions like:

  • how much you want to spend on your premium,
  • how much deductible you can afford on a claim and, 
  • what percentage of expense would you be willing to share with your insurance provider normally termed as co-pay.

Before choosing the perfect plan for your pet, you should also call your veterinarian to ask what type of insurance plan would best suit your pet’s health needs.

Once you have received the answers to all of your questions, you are ready to shop for the perfect plan that will take care of your pet's health expense.

While looking for the perfect health insurance plan for your pet, you should look for the following aspects:

Coverage Options

The best insurance package is one which provides multiple options for selecting your deductible amounts, your payout percentages and does not put a cap on your treatment plan.

Some of the best insurance plans in the market allow you to choose a deductible amount from as low as $100 to as high as $500.

They provide you multiple payout options as well on your final bill.  The best insurance plan will not limit your coverage to a period or a dollar amount.

Add-on Options

Add-on options are great features for your pet's health insurance. These include dental care, travel insurance and the like.  If your insurance policy includes these services, they will be a great benefit in maintaining your pet’s hygiene and make it easier for you to travel together with your pet.

Customer Service

Customer service is the key to selecting your perfect insurance plan. When selecting your pet’s health insurance, you should browse through online reviews to read about the customer service of your potential insurance provider. 

A company with great customer service will process your claims faster and help you in identifying quick solutions for your pet’s health problems.

Coverage for Hereditary and Pre-Existing Conditions

Depending on the stage of your pet’s life at the time of opting for health insurance, there might be pre-existing or hereditary health conditions that some insurance providers may not cover. 

Talk to your veterinarian to confirm any pre-existing health issues and make sure that they are getting coverage in your pet's health insurance policy.

Low Premium

It is all about how much premium you are paying every month.

The best insurance plan is one that gives you appropriate coverage with an economically viable premium plan.  The best pet health insurance plan would be competitive with the market and within your monthly budget.


As a devoted parent to your pet, you always want to see them healthy and active.

Unfortunately, illness is a part of life, and you cannot foresee what accident might occur resulting in an injury to your pet.  It is important to get the best pet health insurance for any unforeseen circumstances so that you do not have to spend beyond your means.

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