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Dog Insurance: Types of dog insurance

Having a pet is not easy. You can love them and get them the best treats and give them endless cuddles, but sometimes that just unfortunately isn’t enough. In the face of a serious illness, it can be a difficult situation for both of you if the best you can do is pray because the medical bills are too expensive. 

This article will introduce you to the basics of dog life insurance, what does dog insurance cover? what different types of dog insurance are there, and what fog insurance doesn’t cover.


What is a pet’s life insurance?

Like insurance for yourself, pet insurance is insurance for pets. They help in decreasing the financial burden when something bad happens to your pet’s health.

There are majorly four types of pet insurance:

  • Lifetime: This is a holistic pet insurance plan where you make annual payments and the insurance covers your pet’s treatment irrespective of the age and their condition(illness).
  • Annual: You make payments annually and you get the opportunity to change your plan preference each year.
  • Accident only: This is cheaper than other types of pet insurance plans. This plan does not cover the treatment of any illnesses your dog faces. It only covers the treatment for your dog’s accident( for example a car accident)
  • Maximum Benefit: You receive a fixed amount for treatment of any illness.

What do dog insurance plans cover?

Your dog insurance will help you with the vet bills and that will be a great help to you. 

  • Common illnesses: Dog insurance has your back when you’re treating your dog’s common illnesses such as diarrhea, cold, etc.
  • Chronic illnesses: If your dog has chronic illnesses such as arthritis or allergies, your insurance plan can help cover them too.
  • Hereditary condition: Some of our pups have a hereditary condition like hip dysplasia, blood disorders, or an eye disorder. Payments can slowly become hefty with time, this is when insurance comes into play.
  • Therapies: If your dog has aggression and requires therapy, some insurance policies also cover that.
  • Microchip implantation: Microchiping is one of the best ways to ensure your pet’s safety without stopping them from enjoying their freedom. Your insurance also covers this microchip implantation.
  • Testing and diagnostics: You may not think much of it first because of the relatively low cost compared to other ones but, when you add up the routine checkups and tests, it does dent your finances. To ensure you don’t ever have to stop because your savings couldn’t make up for the diagnostics, dog insurance is your way.

What are the types of dog insurance?

  • Accidents and illness coverage: This is the most sought-after insurance plan. It covers the illnesses, both common and chronic. And also a wide range of accident injuries like a torn ACL. However, it does not cover your wellness checkups and can be quite expensive.
  • Accidents-only coverage: This plan only covers accident-related injuries and does not cover a wide range of treatments. You can still get your diagnostics done, but if your dog has a hereditary problem, their treatment cost will be out of your pocket.
  • Wellness coverage: This is a routine wellness checkup plan. It includes deworming, vaccinations, and tick and flea prevention. It is relatively cheap compared to other plans but,

What does a dog insurance plan not cover?

  • Pre-existing condition: If your dog has a pre-existing condition, some of the insurance policies may not reimburse you for their treatment. Be transparent and question your dog insurance company what their policies are in this case. This saves confusion later in the future and will help you make proper.
  • Grooming: The grooming need of your dogs is also not taken care of by your insurance company. The cost of clipping and filing your furry friend’s paws and dying their fur unfortunately won’t be reimbursed.
  • Food and dietary supplements: Your dog’s dietary needs are also unfortunately taken care of by the insurance company.
  • Experimental treatments: Some of the human clinics may provide experimental treatments for cancer treatment for your pets. If you opt for this treatment, it unfortunately won’t cover the costs.

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How common is dog insurance?

According to the updated survey conducted by the American Pet Products Association about 70% of the households in the US own a pet and about 27% of the household have a pet insured.

What happens to pet insurance when the pet dies?

If you have to go through the unfortunate event of bidding goodbye to your pet before the coverage time is over, you can call in and get a refund for the time left since your pet passed away.

What questions should I ask when getting a life insurance policy for my pet?

You can ask them about the different plans they have for different breeds of dogs and you could also ask them for suggestions regarding which policy would best suit you. Some insurance does not cover your pet’s pre-existing condition, so it is best to ask if they do and sort it out.

What is the best age to get insurance?

You should get your pet insurance when they are young so that your bills for vaccinations and testing can be reimbursed by the insurance company. It will also protect you from any early diagnosis of any chronic illness.

Does age matter in pet insurance?

If you have an older dog then, you may find it quite difficult to find a company that would insure your dog.


Dogs have been a man’s best friend for years now. For some of us, they are like family whom we love more than our dear life. However, all that love isn’t enough when your dog falls ill. It is when you feel the burden of finances. Sometimes, you can be in a position where you have to choose whether your pet lives or you face a financial dent due to the vet bills. To make sure you don’t have to face that, pet insurance comes to the rescue. 

Do not think this is a ‘bad investment’, for you know the value of your pet’s life. This will make sure you sleep easy at night and your pet gets the necessary attention they need on time.

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