The 4 Types of Dogs Health Insurance

When shopping for dogs health insurance, it's important to understand the types of coverage offered, so that you can select the best plan available for your dog. Most plans are based upon the general age of your dog, but you can also find specialized dog insurance to meet any of several other needs you may have. As with any insurance policy, be sure to read the fine print that accompanies each quote. This way you won't be surprised at what's covered and what's excluded when it comes time to file a claim.

1. Puppy Insurance

One particular type of dogs health insurance that you can purchase is for coverage on your puppy. Puppies have significantly different needs from those of adult dogs, and realizing the potential expense of getting a puppy can be overwhelming. Depending upon the company, you'll have the opportunity to purchase plans for covering puppy expenses, such as vaccinations and having your puppy spayed or neutered. You may also wish to include, or purchase a separate policy for accidents such as broken bones, lacerations, ingestion of poisons or foreign bodies, burns, accidents involving a vehicle, and euthanasia, should an irreversible problem arise. Some policies also offer coverage for microchip insertion and reward for recovery of a lost pet. 

2. Adult Dog Insurance

Coverage for adult dogs health insurance can be quite different from puppy insurance. Adult dogs are less likely to be exposed to some of the dangers of a younger dog, so these types of policies usually focus more on routine health care. Coverage ranges for things like dental examinations, infections and common injuries. You may find additional benefits available as well, such as coverage for boarding or kennel fees and payouts on an accidental death.

3. Senior Dog Insurance

If your dog is approaching older age, looking into dogs health insurance for seniors can be beneficial. Older dogs have a much higher likelihood of contracting an illness or potentially fatal disease. The cost to treat illness can sometimes mean the life or death of your dog, and having senior dog health insurance in place may be able to assist you in offering the best treatment available to extend your dog's quality of life. Common life-threatening illness are generally covered, as are accidents of all types.

4. Other Dogs Health Insurance

Many dogs health insurance companies also offer specialized plans for your current lifestyle. If you own a purebred dog, you may be aware that these animals are often likely to experience additional health problems, including genetic defects that may be passed down the line. Purebred policies can be purchased to cover any such problems. Also, you may find a special policy or addendum that includes coverage if you live with your dog in a rental facility. This type of dog insurance covers accidents that may happen on the property, or expenses from damage that your pet may cause while you live there. Shop around and discover what types of dog insurance work well for you and your family. Compare quotes and coverage to make the best decision that you can.