YOU ASK:

What is the best dog health insurance?

WE ANSWER:

The best dog health insurance is one that fits your dog's needs. These include the following features:

  • Comprehensive benefits. This should include the standard medical treatments (such as your veterinarian's fees, anesthesia, boarding and other related fees). It should also provide coverage for chronic illnesses, hereditary conditions, as well as complementary and alternative therapies. If you want, you can also choose a plan that has a wellness and preventive health program.
  • Reasonable maximum limits for each benefit and for each incident.
  • Does not have too many exclusions. There are some dog health insurance policies that exclude certain conditions for certain dog breeds. There are also those who have rigid pre-existing medical conditions clauses, where a lot of the illnesses incurred may be excluded.
  • Easy claims processing. You should look for an insurance company that pays your claims without the hassle and inconvenience. One additional feature you should look into is whether a dog health insurance company has an extensive network of veterinarians all over your city and state, so that you can have more options with regards to who will treat your beloved pet. An accredited veterinarian network would also mean that you don't have to pay for the medical treatments out of pocket and submit the receipts for later reimbursement - something that is not only convenient but could be easier on your as well.
  • Reasonable premium rates vis-a-vis the benefits provided.

Another add-on to consider would be whether the dog health insurance also covers wellness plans. These help to ensure that your dog remains healthy for an extended period of time.

To determine what you need, you should look into your priorities and check whether the items excluded are fair in your own opinion.

When choosing the best dog health insurance, don't settle for the cheapest nor the most expensive. Find one that suits what you dog needs.

For example, if your dog is the curious kind and has the tendency to bite into whatever takes its fancy, then you should check the conditions concerning accidental ingestion.

There are also needs that are specific to your breed. For example, if your dog is susceptible to having hip dysplasia, you should look into pet insurance companies that are willing to cover this for your dog.

If you own an older dog, it will also be advisable to check whether age-related treatments and check-ups are considered payable.

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