• Skip to primary navigation
  • Skip to main content
  • Skip to primary sidebar
  • Skip to footer
DogsBestLife.com logo

Dog's Best Life

The information you need to keep your dog happy, healthy, playful and loyal.

  • Top Stories
  • Blog
  • What We Do
  • About Us
  • Contact Us

5 things you need to consider when looking for pet insurance

Posted September 18, 2019

 
Vet examines sick dog. CBD oil fights dog cancer by reducing inflammation, boosting appetite, and alleviating depression.
Buying pet insurance for dogs? You need to look at more than the premium price. Consider total cost, extra cost for breed, coverage, and exclusions.

When shopping for insurance for dogs, we too often look at the price that’s quoted. Unfortunately, this results in people choosing the wrong insurance policy and paying for it later. Here are five things you need to consider when looking for pet insurance.

Total cost

It’s a mistake to choose pet insurance based on monthly or annual premiums. You should run all the numbers. Does the insurance company give you a discount if you take your pet in for check-ups? Does the insurer provide you with access to discounts at specific groomers and caregivers? Choose the pet insurance policy that offers the best overall deal.

Breed

pet insurance for dogs
Watch for insurance that excludes breed-specific health conditions like hip dysplasia.

You may have heard about certain breeds being considered “dangerous.” If you have a dog labeled a dangerous breed, you may have trouble getting them covered under your homeowners’ insurance.

Pet insurance can cost more for certain breeds as well. Dog breeds prone to hip dysplasia and deep-chested breeds with more gastric disorders cost more than dog breeds with lower odds of serious issues arising.

Coverage

While you could choose the cheapest or most expensive pet insurance Australia has to offer, what matters most is the coverage. What illnesses and injuries does the pet insurance cover? Most pet insurance policies won’t cover pre-existing injuries and illnesses. This is similar to the rules that are intended to prevent people from signing up for health insurance after they get sick. Depending on the policy, it may not cover conditions the dog was born with.

The level of coverage is another factor. Some insurance policies will pay out for medical care for your pet up to a limit, and some have a limit on the total claims you can file in a given year. The greater the coverage, the higher the premiums. Conversely, the higher the coverage, the less you have to pay out if the worst happens. Always select an insurance policy where you can pay the premiums and the out of pocket expenses before coverage kicks in.

Exclusions

We’ve mentioned coverage, but you may need to shop for excluded items in some situations. For example, many pet insurance policies don’t cover pet breeding at all.

Some won’t cover complications from pet pregnancy either. Pet cancer may not be covered, covered up to a certain amount, or only be covered if you buy a specific rider.

You may pay more for a dog breed with a history of hip dysplasia, but some policies won’t cover hip dysplasia at all. Compare the policies for pet insurance for dogs on Iselect and find a cover that protects your dog at a reasonable price. 

 

 
 

Related Posts

  • Injured golden retriever with a bandaged foot wears a e-collar. Consider options to tackle unexpected vet bills. If you put the expense on your credit card or take out a loan, be aware of the repayment terms.
    7 tips to tackle unexpected vet bills

    Consider options to tackle unexpected vet bills. If you put…

  • Australian shepherd puppy. Watch for vet warning signs: skipping meals, vomiting, lethargy, excessive thirst, and dry, rough coat.
    Does your puppy need to go to the vet? 5 signs that say yes!

    Vet warning signs: Take your puppy to be checked if…

  • Sick beagle lies on the floor. Watch your pup for dog illness symptoms.
    Warning signs: 9 dog illness symptoms and what they mean

    You know your dog, so always keep an eye out…

  • find a veterinarian for your dog
    What pet insurance companies don't tell you

    Compare monthly premium prices, coverage options, excluded treatments, and check…

Share this post:

Share on Facebook Share on Twitter Share on Pinterest Share on Email Share on Reddit

Filed Under: Dog Health, Home Page Tagged With: Dog health insurance, Veterinarian

« Previous Post
Next Post »

Primary Sidebar

Follow Us

Categories

  • Adoption
  • Dog Breeds
  • Dog Facts
  • Dog Fun
  • Dog Grooming
  • Dog Health
  • Dog Inspirations
  • Dog Training
  • Dog Travel
  • Holidays
  • Home Page
  • Puppies
  • Top Stories

Featured Posts

  • Tricolor Australian shepherd in front of white background. Take steps to stop dog pawing.

    Canine body language: What’s your dog saying with his paws?

  • Cute corgi puppy wrapped in a blanket. Talk with your vet about starting your dog on medication to protect him from parasites including flea and tick prevention, as well as heartworm prevention.

    Puppy training 101: 10 tips to prepare your dog for success

  • Thinking of getting a furry friend? Use the DogsBestLife.com perfect dog breed quiz to find the perfect canine companion.

    Take our dog breed quiz to discover the perfect breed for you!

Tags

ThanksgivingPomeranianSmall dogsService dogsPoodleValentine's DaySocializationPuppy kindergartenVeterinarianPotty trainingOld dogsPawYorkshire terrierVacation dog careSheddingPuppy-proofSeparation anxietyPet sitterRottweilerTwo dogstraining tipsOutdoor activitiesWorking dogsPetfinder.comRescue dogPit bullPet parentsTicksWaterPandemic

Footer

Quick Links

  • Home
  • Top Stories
  • Blog
  • What We Do
  • About Us
  • Contact Us

Recent Posts

  • 5 canine care tips to help your Pitbull live longer
    Prolong your Pitbull's lifespan by providing a positive environment, exercise, health care and proper nutrition. […]
  • 7 ways to sedate dog to keep calm when using nail clippers
    To make nail trimming easier, sedate your pup and use a good pair of nail clippers. There is no need to spend money paying a groomer or your vet. […]
  • Take steps to help older dog adjust when you add new dog
    Older dogs usually accept a new dog, but some struggle. Let the dogs work it out. Step in only if the situation could become violent. […]
  • Use 10 fun training games to teach your dog new tricks
    Training games strengthen bonds between you and your dog while providing mental stimulation, physical exercise, and positive reinforcement. […]

Get Our Newsletter

Get more news to help keep your dog healthy delivered right to your inbox. Sign up for DogsBestLife.com's monthly newsletter.

© Copyright 2023 DogsBestLife.com online magazine · All Rights Reserved · Privacy
Get Our Free Monthly Newsletter

Get more news to help keep your dog healthy delivered right to your inbox. Sign up for DogsBestLife.com's monthly newsletter.