Bringing home a new puppy is an exciting time for any pet parent. But, the boundless energy of a puppy can also lead to many accidental injuries and illnesses. Purchasing the right pet insurance policy can help you better manage your costs while providing your pet with the best possible care. When comparing policies, consider annual coverage limits, deductibles and reimbursement levels. We recommend that you also look at whether a plan offers optional wellness add-ons and hereditary disease coverage, which may not be available with all plans.
A good puppy insurance policy can cover a range of treatments including medically necessary diagnostic tests, procedures and surgeries. It can also reimburse for prescription medications, wellness visits and other routine care.
Some pet insurance providers offer hereditary disease coverage, which may include breed-specific conditions like a proneness to hip dysplasia or an increased risk of diabetes. The coverage typically covers hereditary diseases for the life of your pet, as long as they are diagnosed and treated during the term of the policy.
Accident-only pet insurance plans usually only cover the cost of veterinary care that results from accidents, such as your puppy playing too hard and tearing their ACL. These plans are less expensive than comprehensive accident and illness policies.
Comprehensive puppy health insurance plans include hereditary disease coverage, as well as accident-only coverage. These types of plans are more expensive than hereditary disease coverage alone, but they can cover a wider range of medical expenses.
A puppy insurance policy with a higher annual limit, a lower deductible or a higher reimbursement level can cost more than one with a lower monthly premium, but the additional benefits may be worth it in the long run. The best pet insurers will let you customize your plan to fit your budget and your pet’s needs.
Buying the right pet insurance can be daunting, but doing your research and knowing what to look for can make it easier. We looked for a wide variety of covered treatments, annual coverage limits, deductibles and reimbursement rates to determine which companies offer the best puppy health insurance options. The companies that offered the most flexibility in their plans scored the highest. puppy insurance