What Dog Life Insurance Covers—And What It Doesn't

If you're considering purchasing dog life insurance, it's important to know what it covers and what it doesn't. Sometimes referred to as "replacement insurance," the primary purpose of dog life insurance is to reimburse owners for the cost of their dog at the time of his death. This amount may vary depending on the insurance company or policy.

What Dog Life Insurance Does Cover

Some pay the determined market value of the dog when it died, while others cover its original purchase price. Most policies apply to death due to accidents, diseases or terminal illnesses. Many plans also cover end-of-life costs like euthanasia, burial or cremation and bereavement counseling for former owners. However, owners are still responsible for deductibles and co-pays.

What Dog Life Insurance Doesn't Cover

Since policies differ among companies, it's important to research the different kinds of dog life insurance available. For instance, some policies may not cover all veterinarian expenses due to an emergency or accident, even in the case of your dog's death. In addition, some policies may deny death benefits for dogs with certain preexisting or hereditary conditions, and even age or behavioral problems.