insurance

Pet’s Best Insurance, Best Pet Insurance for Dogs 2022

best pet insurance for dogs

Pet’s best insurance best pet insurance for dogs 2022 In the event that you own a canine, buying a pet protection strategy

can guarantee it stands out enough to be noticed it needs during a crisis while likewise keeping you from taking care of costly vet bills. Continue to peruse to find out with regards to the best pet protection for canines.

Pet protection is a significant method for guaranteeing the wellbeing and security of your sidekick, assisting you with bearing the cost of any medicines or systems it may require later a startling mishap or disease.

Observing the right approach for your canine can be trying with each of the suppliers available. The Home Service Research Team at Better Homes and Gardens has investigated the best pet insurance agencies accessible,

perusing every strategy’s fine print, gathering test statements, and finding out with regards to each organization’s set of experiences and notoriety to assist you with tracking down the right pet protection supplier for your canine

7 Best Pet Insurance Providers for Dogs

After researching pet insurance providers here are our top picks for the best pet insurance for dogs on the market today.

Lemonade: Best Overall
Embrace: Best Benefits
Prudent Pet: Most Inclusive Coverage
ASPCA Pet Health Insurance: Best Resources
Petplan: Best Healthy Pet Credit
Healthy Paws: Most Trustworthy
Pawp: Best for Multiple Pets

Lemonade Pet Insurance

  • Annual limit: $5,000, $10,000, $20,000, $50,000, or $100,000
  • Reimbursement percentage: 70%, 80%, or 90%
  • Deductible options: $100, $250, or $500

When we compared Lemonade against other pet insurance brands, it received a 94 out of 100 and earned the ‘Best Overall’ rating for its combination of plan customization options, policy coverage, affordability,

and hassle-free claims process. Plus, it offers a comprehensive preventative care plan and a coverage add-on for your dog’s physical therapy treatments and vet fees.

While Lemonade is an ideal choice for many dog owners who want an affordable and comprehensive policy, it may not be the best option for those who want coverage for behavioral treatments, since Lemonade doesn’t cover them.

A Lemonade strategy gives inclusion to your canine’s mishaps and ailments, like wounds, ailments, hyper-extends, broken bones, malignant growth, coronary illness,

hypersensitivities, and hip dysplasia. It additionally repays you for medicines, techniques, or meds connected with those conditions.

Be that as it may, Lemonade’s essential mishap and ailment pet protection have a few avoidances, like prior conditions; dental consideration; social medicines; elective strategies,

for example, tail docking and declawing; trial medicines; and any conditions brought about by disregard.

For additional inclusion, you can buy the Preventative bundle for covered medicines like health tests, heartworm tests, bloodwork, waste tests, and three immunizations up to a $295 yearly cutoff.

You can likewise buy the vet visit charges and exercise-based recuperation additional items to get more inclusion.

Coverage Highlights

Waiting periods

2 days for accidents; 14 days for illnesses;
6 months for cruciate ligament events

Offers accident-only plan

Offers preventative care

Covers hip dysplasia

✔ (after six months)

Covers behavioral treatments

Cost

Lemonade is one of the most affordable pet insurance providers in the industry. Below are some sample quotes from Lemonade for various dog breeds of different ages in Raleigh, North Carolina:

Animal

Labrador Retriever

Mixed Dog

Golden Retriever

Yorkshire Terrier

Beagle

Age

1 year

4 years

4 years

9 years

4 years

Plan

Accident and illness

Accident and illness

Accident and illness

Accident and illness

Accident and illness

Reimbursement rate

80%

90%

80%

90%

70%

Deductible

$250

$500

$250

$100

$500

Annual limit

$10,000

$5,000

$20,000

$100,000

$50,000

Monthly premium

$28

$19

$28

$62

$18

The Preventative package is an extra $14–$18 per month depending on your dog’s breed and age, while the vet visit fees and physical therapy add-ons only cost around $3–$8 per month.

Get a free quote from Lemonade by using the company’s easy online quote tool.

Embrace Pet Insurance

  • Annual limit: $5,000, $8,000, $10,000, $15,000, or $30,000
  • Reimbursement percentage: 70%, 80%, or 90%
  • Deductible options: $200, $300, $500, $750, or $1,000

Embrace scored a 93.5 out of 100 in our audit of pet insurance agencies and stood apart for its exceptional advantages that assist with petting guardians get a good deal on their canine’s arrangement.

In the same way as other different organizations, Embrace offers a 10% multi-pet rebate, yet it additionally offers a 5% markdown for military individuals,

a 10% rebate for representatives of organizations took on Embrace’s advantages program, and the Healthy Pet Deductible advantage.

The Healthy Pet Deductible comes free with your strategy and credits you with $50 toward your deductible every year you don’t record a case. This implies your deductible could be pretty much as low as $0 later several years without documenting a case.

Coverage Highlights

Waiting periods

2 days for accidents; 14 days for illnesses

Offers accident-only plan

Offers preventative care

Covers hip dysplasia

✔ (after six months)

Covers behavioral treatments

Embrace covers any medicinally important therapies that outcome from your canine’s mishaps and diseases, like medical procedures; X-beams; ultrasounds; clinical supplies;

lab tests; muscular therapies; endodontic therapies for dental wounds, for example, root waterways and crowns; hospitalization; and crisis care.

Assuming you need precautionary care for your canine, you can buy the Wellness Rewards for Routine Care Plan with yearly restrictions of $250, $450, or $650. It covers a scope of things, for example, routine vet visits, fix or fix a medical procedure, butt-centric organ articulation, and teeth cleanings.

Embrace pet protection has some inclusion prohibitions, including prior conditions; restorative techniques, for example, tail docking and ear trimming; normal enhancements; and organ transfers.

Cost

Although the cost of your monthly premium will vary depending on your plan and your dog’s breed and age, here are some sample quotes from Embrace for various dogs located in Raleigh, North Carolina:

Animal

Labrador Retriever

Mixed Dog

Golden Retriever

Yorkshire Terrier

Beagle

Age

1 year

4 years

4 years

9 years

4 years

Plan

Accident and illness

Accident and illness

Accident and illness

Accident and illness

Accident and illness

Reimbursement rate

80%

90%

80%

90%

70%

Deductible

$750

$1,000

$500

$200

$300

Annual limit

$8,000

$5,000

$10,000

$15,000

$30,000

Monthly premium

$38

$23

$57

$53

$71

Embrace’s preventative care plan comes at a flat rate for each annual limit choice, regardless of the age or breed of your dog: $250 of annual coverage costs $19 per month, $450 of annual coverage costs $36 per month, and the $650 annual limit option costs $53 per month.

Learn more about the Healthy Pet Deductible benefit, and get a free quote on an Embrace policy by filling out this online form.

Prudent Pet

  • Annual limit: $10,000 or unlimited
  • Reimbursement percentage: 70%, 80%, or 90%
  • Deductible options: $100, $250, $500, or $1,000

Scoring a 93 out of 100, Prudent Pet is one of the best pet insurance companies for dogs with its inclusive coverage and impressive Ultimate plan. In addition to providing comprehensive standard coverage,

it includes reimbursement for a few items that other providers don’t offer, such as advertising and reward money for your lost dog, boarding kennel fees, and vacation cancellation fees.

overage Highlights

Waiting periods

5 days for accidents; 14 days for illnesses

Offers accident-only plan

Offers preventative care

Covers hip dysplasia

Covers behavioral treatments

While Prudent Pet’s Accident-Only plan covers treatments, procedures, and vet visits from accidents, including broken bones, bite wounds, tooth injuries, and swallowed objects, the Essential and Ultimate plans cover illnesses, such as skin conditions, hip dysplasia, urinary infections, cancer, growths, and digestive illnesses.

The Ultimate plan also covers lost pet advertising and reward fees, boarding, behavioral disorders, replacement fees when your dog is lost, mortality costs, and vacation cancellation fees due to sick or injured pets.

You can also add wellness care coverage at three different levels—low, medium, and high—which includes vaccines, fecal exams, microchipping, deworming wellness exams, and other benefits. Additionally, you can purchase extra coverage for vet exam fees with a separate add-on.

Prudent Pet has a few coverage exclusions, including pre-existing conditions, elective procedures, and organ transplants if not deemed medically necessary or approved by a Prudent Pet representative.

Review Prudent Pet’s sample policy for a full list of coverage and exclusions.

Cost

Here are some sample quotes we received from Prudent Pet for a variety of dog breeds in Raleigh, North Carolina:

Animal

Labrador Retriever

Mixed Dog

Golden Retriever

Yorkshire Terrier

Beagle

Age

1 year

4 years

4 years

9 years

4 years

Plan

Essential plan

Essential plan

Ultimate plan

Ultimate plan

Accident-Only plan

Reimbursement rate

80%

90%

80%

70%

70%

Deductible

$250

$1,000

$500

$500

$250

Annual limit

$10,000

$10,000

Unlimited

Unlimited

$10,000

Monthly premium

$60

$31

$79

$65

$21

Prudent Pet’s Low wellness plan costs $12 per month and comes with $210 of annual coverage. The Medium wellness plan comes with $315 of annual coverage for $20 per month, and the High wellness plan costs $30 per month for $460 of yearly coverage. These are flat rates for all breeds and ages of dogs. The add-on for vet exam fee coverage costs an additional $4–$10 per month, depending on your dog’s information.

Check policy pricing within seconds using Prudent Pet’s online quote tool.

ASPCA Pet Health Insurance

  • Annual limit: $3,000, $4,000, $5,000, $7,000, or $10,000
  • Reimbursement percentage: 70%, 80%, or 90%
  • Deductible options: $100, $250, or $500

ASPCA Pet Health Insurance scored a 88 out of 100 in our audit and stood apart the most for its online assets and portable application. Canine proprietors can utilize the Pet Parent Resources page on the ASPCA Pet Health Insurance site to find out with regards to various medical issue and care tips for different canine varieties.

The organization’s portable application permits you to deal with your strategy, interfaces you to the ASPCA Poison Control Center during crises, and assists you with tracking down nearby vets

Despite the fact that ASPCA Pet Health Insurance is an incredible decision for canine proprietors who need to get familiar with their pet and remain associated with their strategy, it may not be a decent choice for the people who need higher yearly inclusion limits, since its choices maximize at $10,000.

Coverage Highlights

Waiting periods

14 days for all conditions

Offers accident-only plan

Offers preventative care

Covers hip dysplasia

Covers behavioral treatments

ASPCA Pet Health Insurance’s Complete Coverage Plan covers accidents and illnesses such as hereditary conditions, congenital conditions, broken bones, and cancer. Some examples of covered treatments include alternative therapy, MRIs,

CT scans, X-rays, prescription medications prescribed by a veterinarian, prescription pet foods to treat a covered condition, supplements to treat a covered condition, surgery, and hospitalization.

You can also purchase preventative care with your ASPCA Pet Health Insurance policy. The Basic Plan includes dental cleaning, a wellness exam, deworming, two vaccines, a fecal test, and a heartworm

test for a total of $250 of coverage per year. The Prime Plan covers everything in the Basic Plan plus neutering, flea prevention, a blood test, urinalysis, an extra vaccine, and a health certificate

ASPCA Pet Health Insurance excludes pre-existing conditions; breeding; pregnancy; elective procedures, such as claw removal and ear cropping; and anal sac (gland) expression, among a few other exclusions.

Review ASPCA Pet Health Insurance’s sample policy for a full list of coverage and exclusions.

Cost

Here are a few sample quotes from ASPCA Pet Health Insurance for different dog breeds in Raleigh, North Carolina:

Animal

Labrador Retriever

Mixed Dog

Golden Retriever

Yorkshire Terrier

Beagle

Age

1 year

4 years

4 years

9 years

4 years

Plan

Complete Coverage

Complete Coverage

Complete Coverage

Complete Coverage

Complete Coverage

Reimbursement rate

70%

90%

80%

80%

70%

Deductible

$250

$500

$250

$500

$500

Annual limit

$5,000

$3,000

$4,000

$10,000

$7,000

Monthly premium

$56

$35

$60

$87

$44

When you request a free quote from ASPCA Pet Health Insurance, you’ll have the option to choose one of the preventative care plans. For all dog breeds, the Basic Plan costs $10 per month and the Prime Plan costs $25 per month.

Get a free quote from ASPCA Pet Health Insurance by filling out this simple online form.

Petplan

  • Annual limit: $5,000, $15,000, or unlimited
  • Reimbursement percentage: 70%, 80%, or 90%
  • Deductible options: $250, $300, or $500

Petplan is another top provider for dog insurance, scoring an 88 out of 100 for its impressive accident and illness coverage and reimbursements for lost dog advertising and pet replacement costs. It stands out for its unique Healthy Pet Credit,

which rewards customers with 15% off their policy’s new premium when renewing after 12 months without filing a claim and 30% off after 24 months of no claims on their dog’s accidents or illnesses.

Coverage Highlights

Waiting periods

15 days for accidents and illnesses

Offers accident-only plan

Offers preventative care

Covers hip dysplasia

✔ (after six months)

Covers behavioral treatments

All of Petplan’s policies cover exam fees during sick visits, diagnostic tests, rehabilitation, prescription medications, alternative therapies, holistic therapies, cancer treatments,

hospitalization, and other items that are related to covered accidents and illnesses, including chronic conditions, hereditary conditions, injuries, hip dysplasia, and behavioral disorders.

Petplan also reimburses customers for advertising and reward fees when their dog is lost, replacement money if they aren’t able to find or recover their dog, boarding fees for their dog when they’re hospitalized for more than four days, and vacation cancellation fees that arise due to their dog’s covered condition.

Since Petplan doesn’t offer a preventative care add-on like many competitors, it doesn’t cover any routine care for your dog, including vaccines, wellness exams, and fecal tests. It also doesn’t cover pre-existing conditions, elective surgeries, breeding or pregnancy issues, prescription foods, and hip dysplasia during the first six months of your policy.

Review Petplan’s sample policy for a complete list of coverage and exclusions.

Cost

You can customize your Petplan policy’s premium by choosing between three different annual limits, deductibles, and reimbursement rates. Unlimited annual coverage caps, lower deductibles, and higher reimbursement percentages will come with higher monthly premiums.

Here are some sample quotes we received for four-year-old dogs located in Raleigh, North Carolina:

Animal

Labrador Retriever

Mixed Dog

Golden Retriever

Yorkshire Terrier

Beagle

Plan

Accident and illness

Accident and illness

Accident and illness

Accident and illness

Accident and illness

Reimbursement rate

70%

80%

90%

80%

70%

Deductible

$300

$500

$250

$500

$300

Annual limit

$15,000

Unlimited

$5,000

Unlimited

$15,000

Monthly premium

$55

$45

$66

$58

$48

Visit the Petplan website and answer a few questions about your pet for a free quote on a policy.

Healthy Paws Pet Insurance

  • Annual limit: Unlimited
  • Reimbursement percentage: 70% or 80%
  • Deductible options: $250 or $500

Sound Paws scored a 84.5 out of 100 in our audit and is the most dependable supplier with over 11 years of involvement with the business, A-rating and authorization from the Better Business Bureau (BBB), limitless inclusion covers, and a solid cases community that repays most cases inside two days.*

In spite of the fact that we prescribe this supplier to pet people who need solid inclusion in one straightforward arrangement, it may not be best for canine proprietors searching for deterrent consideration, since it doesn’t offer that choice. It likewise has a hanging tight time of 15 days for mishaps and ailment, which is longer than most contenders.

Coverage Highlights

Waiting periods

15 days for accidents and illnesses

Offers accident-only plan

Offers preventative care

Covers hip dysplasia

✔ (after 12 months)

Covers behavioral treatments

Healthy Paws provides coverage for medically necessary veterinary treatments recommended by your vet for your pet’s injuries, illnesses, or unexpected accidents. None of its policies have dollar-amount limits per incident, annually, or for the lifetime of your pet, so you’ll be reimbursed for the agreed percentage of vet bills without ever reaching a coverage cap.

Healthy Paws policies have some coverage exclusions, such as pre-existing conditions; spaying or neutering; vaccinations; preventative care; elective procedures, such as microchipping and ear cleaning; and breeding.

Review Healthy Paws’ sample policy

for a complete list of coverage and exclusions.

Cost

Although Healthy Paws’ accident and illness plan is customizable for most dogs, we found that it locks in reimbursement rates and deductibles for some breeds over five years old. Here are some sample quotes from Healthy Paws for a variety of dog breeds in Raleigh, North Carolina:

Animal

Labrador Retriever

Mixed Dog

Golden Retriever

Yorkshire Terrier

Beagle

Age

1 year

4 years

4 years

9 years

4 years

Plan

Accident and illness

Accident and illness

Accident and illness

Accident and illness

Accident and illness

Reimbursement rate

70%

80%

80%

50%

70%

Deductible

$250

$500

$250

$1,000

$500

Annual limit

Unlimited

Unlimited

Unlimited

Unlimited

Unlimited

Monthly premium

$46

$37

$64

$55

$36

To help you find the most affordable plan for your dog, Healthy Paws has an online quote tool that uniquely recommends other pet insurance providers when the monthly premiums for your dog’s breed and age are higher than competitors.

Use this easy online tool to get a free quote from Healthy Paws and compare prices with other top competitors.

Pawp Pet Insurance

  • Annual limit: $3,000
  • Reimbursement percentage: 100%
  • Deductible options: No deductible

Pawp is certifiably not a customary pet protection supplier; all things being equal, it offers a participation that accompanies a $3,000 backup stash and all day, every day admittance to a virtual vet center. It scored a 82.5 out of 100 in our survey, and we prescribe it to individuals with numerous canines, since one participation can conceal to six pets.

Pawp may not be the most ideal decision for canine proprietors who need protection care choices and inclusion for non-crisis veterinary medicines, since the $3,000 secret stash must be utilized forever undermining crises.

Coverage Highlights

Waiting periods

14 days for all conditions

Offers accident-only plan

Offers preventative care

Covers hip dysplasia

Covers behavioral treatments

With a Pawp membership, you receive 24/7 access to licensed vets and pet professionals via phone, text, online chat, or video call through Pawp’s user-friendly mobile app. Additionally, the $3,000 emergency fund covers one emergency vet visit per year for one of up to six dogs.

Rather than covering specific accidents and illnesses, Pawp claims that its $3,000 emergency fund can be used for any emergency, as long as it’s verified by a Pawp vet over video chat within four hours of the incident. The emergency fund won’t cover any preventative care treatments, breeding or pregnancy issues, diagnostic procedures, or other conditions that aren’t considered life-threatening.

Cost

A Pawp membership costs $19 per month. This price includes coverage for up to six pets, but keep in mind that the $3,000 emergency fund will cover only one emergency per year. Unlike other pet insurance policies,

Pawp doesn’t require you to pay any deductibles, and it can pay most vets directly for 100% of the bill. Typically, pet insurance requires you to pay for an emergency upfront, then submit an invoice to the provider during the claim for reimbursement.

Sign up for a membership with Pawp by filling out this simple online form.

Which Is The Best Pet Insurance for Your Dog?

Safeguarding your canine or little dog with a pet protection strategy can assist with covering medicines and methods during a crisis and get a good deal on costly vet bills. Costs for strategies will fluctuate contingent upon your area and your canine’s age and breed, so get a free statement from maybe one or two suppliers to think about estimating.

Albeit every one of the organizations in this survey offers strategies for canines, all things considered, and ages, we suggest Lemonade for its arrangement adaptability, reasonable charges, and far reaching strategy inclusion.

In any case, Lemonade isn’t accessible in all states, including Florida, Louisiana, and Massachusetts, so consider Embrace or Prudent Pet in the event that Lemonade doesn’t cover canines in your space.

Common Pet Insurance Terms

Here are some common pet insurance terms that you’ll come across when shopping for a policy:

Deductible: This is the amount you owe during a claim before you get reimbursed for your dog’s vet bill. For example, if your reimbursement amount during a claim is $900 but your annual deductible is $500, you’ll receive $400 when the claim is finalized.

Annual limit: This is the amount your provider agrees to pay for a year of coverage. If the total amount you claim goes above this amount, you’ll owe the rest out of pocket. For example, if you have an annual limit of $5,000 and your vet bill is $5,500, you won’t be reimbursed for the extra $500.

Reimbursement rate: Also considered co-insurance, this is the percentage of each vet bill that you’ll be reimbursed. For instance, if your policy’s reimbursement is 80% and your vet bill costs $500, your provider will pay you $400 for the reimbursement, but you’ll have to pay $100 out of pocket.

Preventative care: This optional coverage pays for vet visits and wellness treatments, such as annual exams, vaccinations, and bloodwork. Standard pet insurance policies don’t include preventative care unless you add it on for an extra fee, and some providers, such as Healthy Paws and Pawp, don’t offer it as an option at all.

Waiting period: This is the amount of time you have to wait between signing up for the policy and beginning coverage. For example, if you signed up for a policy with a 14-day waiting period for accidents and your dog gets injured the day after you sign up, the provider won’t cover any treatments or procedures related to that incident.

Premium: This is the amount you owe per month to keep your policy. Your quoted premium is based on a number of factors, such as your chosen annual limit, deductible, reimbursement rate, location, and dog’s breed and age.

Factors That Impact Pet Insurance Costs

The expense of your pet protection strategy will rely upon an assortment of elements, including your canine’s variety and age and where you reside. The following are a couple of extra factors that will influence your strategy valuing:

Customization: You can handle your cited expense somewhat by modifying your yearly cutoff, deductible, and repayment rate dependent on the choices given by your pet insurance agency.

For instance, an approach with a low yearly restriction of $3,000 each year, a high deductible of $1,000, and a 70% repayment rate would come out to a lower month to month rate contrasted with an arrangement with a higher yearly breaking point, lower deductible, and higher repayment rate.

Breed and age: Your canine’s variety and age can altogether influence the arrangement’s premium since certain canines are more defenseless to specific infections. For instance, bulldogs and brilliant retrievers can be more costly to guarantee since they’re known to experience the ill effects of hip dysplasia.

Getting a statement from different suppliers is a decent method for tracking down the most reasonable arrangement for your canine’s particular variety and age

Limits: You can bring down the premium on your canine’s strategy by searching for limits. Most suppliers offer a 10% markdown for adding numerous pets to an approach. Lemonade offers an exceptional 10% rebate for packaging your pet protection strategy with tenant protection or home protection,

and Embrace offers a 5% markdown for animal people who are dynamic military individuals. Note: The Embrace markdown isn’t presented in New York or Tennessee.

Pet Insurance Rating Methodology:

Before choosing a pet insurance provider to protect the health of your furry companion, consider factors such as policy coverage, plan customization, and customer experience.

To save our readers’ time, we spent hours researching pet insurance companies and rated each company’s overall performance on a variety of metrics.

Here’s a breakdown of each review factor and how much we weighted them:

Factor

Points

Description

Policy coverage

25

We scored providers on the total coverage they offer with each policy in addition to their annual coverage limits, treatments, procedures, conditions, and the types of coverage plans available.

Monthly premiums

20

We scored companies on their pricing for both dogs and cats, with the most affordable companies receiving the most points in this category.

Plan customization

15

We scored companies based on how many options they provide to customers to help them customize their plans and premiums. Companies with more deductibles, reimbursement rates, annual limits, and add-on options scored higher than those with fewer options.

Trustworthiness

15

We rated each company’s trustworthiness based on their ratings from the Better Business Bureau (BBB), years of experience, and available money-back guarantees.

Customer experience

10

This factor is scored based on the resources provided by each pet insurance company. Providers that offer a mobile app, 24/7 vet helpline, customer chat service, online portal for claims and account management, and an easy online quote tool received more points than providers without these resources.

Waiting period

10

Each company has a dedicated waiting period for accidents, illnesses, and orthopedic conditions that starts when you sign up for your policy. Companies with shorter waiting periods scored higher in this category, since they provide faster service than companies with long waiting periods.

Eligibility

5

We scored companies on each eligible species they cover, such as dogs, cats, and exotic animals, and awarded points to companies that didn’t have an age limit on pets.

Our research process involves an analysis of each company’s policies, including the following:

  • Reviewing the fine print in each contract
  • Reading more than 100 customer reviews for each provider to learn about common praises and complaints from existing customers
  • Requesting a quote from each company to compare monthly premiums for various species and breeds of pets
  • Simulating the customer experience, including the initial website visit, sign-up, and claims filing
  • Diving into the history of each company to learn about its reputation and experience

Frequently Asked Questions About Pet Insurance for Dogs

How does pet insurance work for my dog?

Pet insurance operates differently than normal health insurance. While your health insurance provider receives a bill from your doctor and pays it after you pay your deductible,

your pet insurance provider communicates directly with you for reimbursement after you’ve paid the vet out of pocket.

Should I add preventative care to my pet insurance policy or my dog?

Taking care of a pet means maintaining its general health, including regular vet visits and other preventative care to prevent it from getting sick. Preventative care coverage helps pay for routine care costs,

such as vaccinations and annual checkups, and some preventative treatments can save you money in the long run, ensuring your pet stays healthy.

One of our expert advisors, Katie Rivers, an experienced Dog Adoption and Foster Coordinator in Charlotte, North Carolina, says heartworms are one of the most common issues she sees in dogs at her shelter, recommending that pet owners keep their dogs up to date on heartworm prevention. “

The treatment for heartworms is also extremely costly and will cost you over a thousand dollars to treat.”

Can pet insurance also cover cats?

Yes. All of the providers in this review offer pet insurance for cats. If you own a cat, you can get a 10% discount for bundling with your dog’s policy from most of these companies, including EmbracePrudent Pet, and ASPCA Pet Health Insurance.

How much does pet insurance for dogs cost?

Younger dogs that are small or a mixed breed tend to be the most affordable to insure, with premiums starting as low as $10 per month. Older purebred dogs are more expensive to insure since they’re more susceptible to certain health conditions and accidents.

Ensuring your dog at an early age is the best way to get an affordable premium and guarantee any future conditions are covered by the policy.

Keep in mind that you can lower your pet insurance premiums by choosing a higher deductible, lower annual limit, and lower reimbursement rate when customizing your policy during the quote process.

Do pet insurance companies need to run a credit report before I can purchase a policy for my dog?

No, insurers typically don’t run credit checks or reports when you request a quote for your dog’s pet insurance policy, but they will assess your dog’s age, gender, breed, and ZIP code when determining the pricing of your monthly premiums.

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