The policies and language contained in pet insurance policies can get as unique and complicated as the health insurance plans that cover a dog’s human counterpart. When you consider pet insurance for your dog, it’s important to review the standard language that some pet insurance companies include as a part of their coverage. It’s also important to look out for any exclusion that gets enumerated in a pet insurance policy. For instance, some of the major pet insurance policies have waiting periods for certain procedures and some pet insurance policies have payout limits or only cover routine care. Knowing what coverage your premium covers can save a lot of hassle and even heartache when it comes to covering your dog.
AKC Pet Insurance
AKC allows you to cover your dog as early as eight weeks, and up to the age of 9 years old for accident coverage. It offers policies that range from an annual limit of $3,000.00 to $16,000.00, and it has a lifetime limit per injury or illness that ranges from $1,500.00 to $8,000.00. While the name AKC implies a purebred dog, it’s untrue that AKC Pet Insurance only covers purebred or registered dogs. Any dog can get coverage with this carrier. You can opt for a policy with a deductible that is as low as $100.00.
ASPCA Pet Insurance
Similar to its competitor, ASPCA can cover your dog as early as eight weeks old. However, unlike AKC Pet Insurance, the ASPCA insurance does not have an age cap. The option to purchase at any age of a dog means that you can cover your older dog just like a new puppy. The annual coverage limits range from $2,500.00 to $20,000.00, and ASPCA even offers an unlimited policy. The ASPCA plans cover exams, diagnostic testing, and treatment. Dog owners who are interested in accident only coverage can check out the policies offer by ASPCA Pet Insurance because they have this option available. You can opt for a plan with a deductible that is as low as $100.00.
Healthy Paws Pet Insurance
Like its competitors, a dog as young as eight weeks can get pet insurance coverage. Also similar to its competitors, an interested pet owner can opt for a deductible that is as low as $100.00. However, the Health Paws Pet Insurance policy does not have an annual cap or a per incident cap. Healthy Paws Pet Insurance might be the best plan for a dog owner who purchases or adopts a dog breed with known health problems, assuming the policy doesn’t have breed exclusions. The Health Paws plans are relatively broad and generous regarding conditions the carrier will cover if a pet owner purchases coverage before a dog’s sixth birthday.
As noted above, it’s important to closely read the policy language and exclusions in each pet insurance plan to make sure that the coverage you think you are getting your dog is, in fact, the exact coverage you are getting for your dog. So read the coverage details closely before committing to anything, and make sure you consider the reason you are buying the coverage and when it becomes active.