Dog Insurance

Dog Insurance

Coverage Types

Veterinary science is changing rapidly and pets are living longer. A good dog insurance from a stable company makes dealing with emergencies a lot easier.

Understanding the various types of dog insurance coverage can help you make an educated decision for you and your best friend. Basic coverage often includes coverage for routine exams and wellness visits. It usually included basic vaccinations and services such as heartworm tests. Other options include plans that cover chronic conditions, accidents and emergencies, as well as those that offer comprehensive coverage.

Dog Insurance Comparison

The side by side comparison chart below is a quick comparison for a six year old Labrador Retriever located in Pasadena, California. These dog insurance prices are independent of your custom quote which is specific to your pets age, breed, location and deductible.

Company
Name
Eligible
Ages
Plan
What’s Covered
Deductible

8 wks to 12 yrs
 Level 2

$32.42
  • Accident
  • Treatment for injuries/illness
  • Prescription medications
  • Diagnostic procedures
  • Lab tests
  • X-rays
  • Surgery
  • Hospitalization
 80% Coverage, $100 Deductible, $1,500 Per Incident Limit, $8,000 Annual Limit
New enrollments up to 10 yrs
 VPI Medical Plan

$36.68
  • Accident
  • Treatment for illness (including allergies, bladder infections, arthritis, cancer/tumor, Diabetes, kidney, liver and Immune system disease, skin & ear infections)
 $100 Deductible, $7,000 Annual Limit, Per Condition Limits based on Benefits Schedules
8 wks and to 13 yrs
Pet Health Plan
$37.28
  • Diagnostics (i.e. X-Rays)
  • Hospitalization
  • Surgeries
  • Prescription Medications
  • Cancer
  • Hereditary & Congenital Conditions
  • Emergency Care
 90% Coverage, $500 Deductible, No annual or per-incident limits on claims, $25,000 in lifetime benefits per pet
Aged 8 wks and over

Bronze Plan

$36.73
  • Accident
  • Veterinary fees relating to any illness or injury including hospitalization, referrals and prescriptions.
 80% Coverage, $200 Deductible, $1,500 Per Incident Limit, $8,000 Annual Limit
Aged 8 wks and over

PurinaCare without Preventive Care

$45.66
  • Accident & Illness Coverage
  • Hospitalization
  • Surgery
  • Hereditary Conditions
  • Diagnostics
  • Prescription Medications
 80% Coverage, $500 Deductible, $20,000 Annual Limit
Aged 8 wks and over

Pets First Plan

$42.74
  • Accident
  • Treatment for illness and injury (including emergency visits, hospitalization, surgeries, outpatient care, prescription medications, cancer treatments, MRI, CAT and X-ray, lab tests and chiropractic)
 80% Coverage, $250 Deductible, $7,000 Per Incident Limit, $100,000 Lifetime Limit
8 wks to 8 yrs

Budget

$31.93
  • Accident
  • Treatment for illness (including infections, diabetes, cancer, allergies, orthopedic conditions-such as hip dysplasia, breed-specific conditions-such as endocardiosis & glaucoma)
 80% Coverage, $500 Deductible, $5,000 Annual Limit
Aged 8 wks and over

QuickCare Optimum

$34.90
  • Accident (Foreign Body Ingestion, Motor Vehicle Accidents, Poison Ingestion, Bone Fracture, Lacerations, Burns, and Allergic Reaction to Insect Bites)
  • Covers first time illnesses up to $1,500 per year
 90% Coverage, $100 Deductible, $2,000 Per Accident Limit
8 wks to 14 yrs

Trupanion Plan

$35.51
  • Hereditary disorders
  • Congenital disorders
  • Diagnostic tests
  • Surgeries
  • Medications
  • Chronic or recurring conditions
 90% Coverage, $500 Deductible, No Payout limits
8 wks to 9 yrs

Preferred

$39.95
  • Accident & Illness Coverage
  • Advertising & Reward $250
  • Kennel & Boarding Fees $500
  • Loss By Theft Or Straying $250
  • Trip Cancellation $500
 90% Coverage,
$50 Deductible, $2,500 Per Incident Limit, and $12,000 Annual Limit
Aged 8 wks and over

ShelterCare Forever

$31.95
  • Covers all accidents up to $3,000 per incident; you can make an unlimited number of accident claims
  • Covers all illnesses, up to $36,000 in illness coverage ($3,000 per category)
 70% Coverage,
$100 Deductible, $3,000 Per Incident Limit

Additional Considerations

Talk to your veterinarian and ask what pet health insurance he or she can recommend. Ask for several alternatives and then do your own research. Ask for quotes from various pet insurance companies. Compare them and ask any questions before purchasing a policy.

Take time to study up on your dog’s breed and potential for serious disease. Consider this before purchasing insurance that excludes certain breed-specific ailments and conditions.