Pet Insurance For Dogs

If you are the proud parent of a dog or puppie, you will always be able to find the right insurance for you and your pet if you look around. It may take a little time and patience, but it will be worth it in the long run!

Puppy Insurance Needs

Puppies need a special kind of care as they are growing and there are some foreseeable expenses you can plan on. Some of the most basic insurance coverage you can buy will cover the following:

  • Spaying/neutering
  • Vaccinations/boosters
  • Foreign body ingestion
  • Poisoning

Adult Dog Insurance Needs

Adult dogs might need insurance for routine care, and some insurance plans even require regular visits to your vet for preventative care. Another thing to consider is insurance for accidents, since surgeries and care for injuries can be very expensive.

Most insurance companies will cover the following:

  • Routine dental
  • Ear infection
  • Bladder infection
  • Injuries

Mature Dog Insurance Needs

For those of us with older dogs, pet insurance can be a true lifesaver. Older dogs can develop many age-related conditions. However, it is very important to remember that it can be much more difficult and expensive to insure an older pet. Once your pet has been diagnosed with a severe condition, it is very difficult to get insuranc

Here are some things that are typically covered by most plans:

  • Arthritis
  • Kidney disease
  • Heart disease
  • CancerCat Pet Insurance

Things that might not be covered

If you are currently looking for pet insurance, keep in mind that there will be situations and health problems that are not covered under any policy. Some of these might become a big problem if they are considered pre-existing, even if you don’t know your dog has them now. Be sure to bring your pet in to your vet for an examination before you choose an insurer, just to make sure you get the right coverage.

Here are a few basics to consider:

Pre-Existing Conditions

A pre-existing condition is an injury or illness that began before the date on which your policy coverage begins. Some pre-existing conditions are temporary, and may be covered, if the condition has been cured for at least six months. Some pre-existing conditions are permanent or chronic, and might not be covered. Make sure you understand your pet’s health conditions  before you buy expensive coverage, only to find out later there’s a problem and you don’t have the coverage you really need.

Congenital Disorders

Congenital disorders or developmental defects are pre-existing conditions by definition, so these aren’t covered by pet insurance either. Congenital disorders are abnormalities that are present at birth and can cause illness or disease. Check with your vet about these to see if perhaps your pet has any congenital disorders and if so, how they would affect insurance coverage.

Hereditary Disorders

Hereditary disorders are abnormalities genetically transmitted from parent to offspring and may cause illness or disease. There are certain breed-specific hereditary conditions that are not covered by many insurance companies. Again, check with your vet about these and examine policies for clauses that exclude hereditoy disorders when comparing insurers.