Does Anybody Recommend Dog Health Insurance?

January 17, 2022by DOGuide0

So, you’re asking, “Does anybody recommend dog health insurance?” That’s a great question. Chances are, if you’re asking this question, it’s because you’re interested in it, but you’re not sure it’s worth the money. The good news is that D.O.G. is here to help.

People Who Recommend Dog Health Insurance

People on the website Quora have asked the question, “Does anybody recommend dog health insurance?” and this is what members have said who do recommend it:

Jeanne S., MS Psychology (1982)

Answered Jan 7, 2021

I have had many, many pets, only two who were purebreds, which I bought.

My babies that I paid for were much more sickly than my rescues, except for one, my sweet Jack, a Blue Heeler that first saw while driving down a dirt road in South Texas, in the middle of nowhere. He was hurt, lying in a pasture, it was actually freezing outside. He just happened to raise his head up, to look at our vehicle driving by on the dusty road. I made my husband stop and I climbed the barbed wire fence to get to him. He was a full grown dog, but skin and bones, I could put my hands around his little waist. (Even my husband had tears streaming down his face, and he was a complete sociopath. )

When I walked up to Jack, he smiled the only way a dog can smile at a human, and then looked away and down as if embarrassed about his condition. I picked him up and carried him to the truck and took him to my father’s ranch house up the road.

My creepy family were mostly horrified because he smelled so awful. I fed him and watered him after placing him in a makeshift bed and placing a heater close by him in a storeroom.. After he ate, I sat and was loving on him and felt something on his leg… was a broken bone sticking out of his back leg.

Needless to say, I would have loved to have had insurance to cover Jack’s bills. An amputation of his back leg after 6 weeks of IV fluids to get him strong enough for the surgery. Besides all the ear mites, mange, starvation and the other demons a stray dog has to deal with. My vet said he was the most accommodating pup in his condition he had ever seen. Jack wanted help. The vet said he would have not lived another day.

My other pets have never had such castrophopic health issues as Jack. But who knows? It is worth ever cent that you can possibly pay for your animal friends, insurance or not. Just love them, rescue them, love them more than you think you are able to love, and you will be repaid in ways you can not fathom.



Anne A. Lifelong pet owner

Answered Jan 7, 2021

My experience is that over time it more than pays for itself.

Don’t expect it to cover everything though.

Also, the general arrangement is that you pay the vet up front and file for the insurance send you whatever portion of if they decide to cover, so you do need the money up front to do that.



Cotondog1116, former Senior Programmer (1979-2018)

Answered Jan 7, 2021

Depends on what kind of insurance you’re referring to. Medical insurance? Yes. I have 2 dogs and medical insurance has saved me quite a lot of money.



Shelby N., Webmaster of and Feline Veterinarian

Answered Aug 8, 2010

Having been in private practice for the last 20 years, I have been in a situation many times that would have turned out more favorable had the clients had pet insurance. While it is true that monthly premiums can add up over the years to two thousand dollars or more, one encounter with cancer or intestinal obstruction or one of many other emergencies can cost you much more than that.

It is a devastating moment when pet owners have to choose euthanasia over life due to finances. While maintaining a savings account for your pet’s needs is certainly less costly, I do not think it is very practical for most people. I have seen that account wiped out all too often when there is suddenly a need or desire for extra money.



Barbara M.

, Unfortunately have a lot of experience with insurance

Answered May 17, 2017

Originally Answered: Is pet insurance worth it?

Well, our dear, sweet Patti has twice been admitted to a veterinary hospital for treatment of thrombocytopenia. The bill was around $5000 the first time and $6000 the second time. The larger bill the second time was because she needed the services of a doggie oncologist, ( yes, you heard me correctly, a doggie oncologist.) She still takes daily medicine, ( and will for the rest of her life) and is down to quarterly blood tests.

Yes, this was worth it to us, because she is a member of the family. And remember, dogs don’t complain because they have evolved to show no weakness. So she was really sick before it became apparent that something was wrong.

It was also a very teachable moment for our daughter; the first time we decided to forego holiday presents because Patti was more important to us than material objects. I know not all families would or could make the same decisions, but we are glad we treated her and we were thrilled when our daughter wanted to forego gifts in solidarity with Patti.

And I know many people from agricultural areas would think this is daft, since for farmers, dogs are working animals. I am from the country myself, but I still think it is fine to use our money in the way we want to. And….before anyone tells me how many hungry people there are, I will say we are generous in our giving, so this was just purely our choice.

In summary, sure, I wish we had pet insurance, BUT, (and this is a big but, coming up) our vet tells us there is really only one pet insurance policy that really pays for anything. So do your research carefully, so that you are getting more for your money than just the illusion of coverage. We have never done this research, because after the first illness, she was uninsurable anyway.

She is the sweetest dog.

Now, 9 years old and happy as can be.



People Who Do Not Recommend Dog Health Insurance

With everyone decision, there will be some people who will say yes, and there will be others who say no. The following people DO NOT recommend it:

Jane W., former Health Care Aide/PSW (1994-2017)

Answered Jan 28, 2018

I have a different slant on pet insurance. I started it when I got a Malteese mix rescue dog that was about 3 years old. It would not pay for certain things like getting the animal fixed or yearly vacinations. I was paying about $26.00 per moth at first but it went up over time. He was a healthy dog right up until the end. There is a certain amount of money that is deductible for each year which started at about $300.00 . He had a fall off a chair or bed at one point and we hadx-rays taken but it did not show a break so I had a big bill for x-rays and sedation. It came to just under the amount that was deductible.. For the 12 years I paid into it I only got a cheque back for $57.00 If I had to do it over again with a puppy open a savings account for the dogs health. Every month have a certain amount of money taken out of your account an put it into that dogs account. It will add up fast and you are in control of what it is used for and when. You will end up so much further ahead than donating to a company that you pay premiums to . Each year when the dog gets older the amount that is deductible goes up higher umtil the dog dies. They told me when I got the dog they would pay me a certain amount when the dog dies. I was given the dog so that would not apply to me. Besides if you think about it how many dogs die. How many people find their dog dead. Most animals get older and infirm and have to be put to sleep to put them out of their misery. So if people think about it there is no money there either. If you open the account for the dogs health. You have total control how and when the money is used. If you save for years think of how much you would have. And if the dog is a fairly healthy dog you keep it at the end. So really check out the different insurance. I called to cancel the insurance and they make you feel like such a horrible person and put the fear into you, but at the end the dog was 15 and I would never put him through any surgery or procedure that invasive at his age. It would be too hard on him.



Bridget C.

Answered Sep 25, 2018

Originally Answered: Should I get pet insurance?


First question is if your pet has an emergency will you borrow money to take care of the animal or have the vet euthanize it?

Second question is how old is your pet?

If you’re going to spend every dime you have to save your pet, then get pet insurance.

If you have a young animal, get the pet insurance. Pet insurance is cheaper when they’re young and for dogs especially, the kinds of dumb damage they do to themselves, they do more as puppies than older dogs, so you’re more likely to use it.

I think it’s a good investment if you get one of the good plans but just remember pet insurance does NOT pay upfront. You pay the vet and the insurance reimburses you.

Source for the above answers.


What Really Matters When Making a Decision About Pet Health Insurance

It really comes down to what is important to you and how well you are with your money. If you’re willing to do whatever it takes to save your pup in case of injuries or major illness, you may want to consider dog insurance UNLESS you’re disciplined enough to put money aside every month.

Statistics show that most Americans have as little as $1,000 in their emergency savings fund, which will not help when veterinary care can cost several thousands of dollars.

Even if you did have thousands of dollars in your savings, are you willing to wipe it out to save your furbaby? We know…it’s too much to bear. That is why dog insurance exists. You wouldn’t have to worry about spending all of your money or panicking to find the money to save your furbaby. You can do whatever it takes with the knowledge that you chose the best pet insurance for your dog for a reason.

dog health insurance recommendations

What to Consider with Pet Insurance Plans

Pet health insurance works just like human health insurance in that you pay a premium each month and have a deductible to pay when you use the insurance. The difference is that dog insurance does not cover preventative care or pre-existing conditions.

Not covering pre-existing conditions isn’t a problem for pet owners who start a pet insurance policy early. A pet’s age is a huge factor in cost, so puppies have the least expensive premiums, especially when taking advantage of an accident-only plan. Since older pets are more susceptible to illness, it’s a good idea to add illness coverage before any hereditary or age-related illnesses occur.

Of course, it’s possible for a pup to suffer from illness at any age, which is why many pet parents decide on comprehensive coverage right from the start. The added cost isn’t too much and could be well worth it if an illness happens, especially since puppies love to eat everything and anything.

What About Routine Care – Exams Fees – Diagnostic Testing?

Routine care or preventative care is not covered by pet insurance plans. Comprehensive coverage from a dog insurance provider covers injuries from an accident or illnesses that are not pre-existing.

The good news is that the best pet insurance companies offer wellness coverage options. These options do not pay for exam fees, diagnostic tests, and routine/preventative veterinary care, but instead, they offer discounts or payment plans to ease the financial burden of those costs.

How to Save on a Pet Insurance Policy

Most pet insurance providers offer discounts for multiple pets, including cats. The more pets added to a dog or cat insurance policy, the more of a discount there will be, which can really make it worth it. does anyone recommend dog health insurance

Factors Contributing to Pet Insurance Cost

When requesting a free quote for pet insurance from an insurance company such as Embrace Pet Insurance, information will be collected to help calculate pet insurance costs. The information will pertain to:

  • Pet’s Breed
  • Pre-Existing Conditions
  • Multiple Pets
  • Pet’s Age

The reason the insurance company requests the pet’s breed is to know how susceptible he/she is to chronic conditions, such as hip dysplasia. Dogs with hereditary conditions like hip dysplasia require significant veterinary care, which increases the price of the policy.

Other factors related to the cost include:

  • Deductible
  • Monthly Premium
  • Comprehensive Coverage vs. Accident Only
  • Annual Limits

The higher the deductible, the lower the monthly premium. Accident-only coverage costs much less than comprehensive coverage. Annual limits often do not vary BUT it’s a factor when choosing which dog insurance to choose over another one.

What to Know After Applying for Dog Insurance

Pet insurance companies have waiting periods before the policy goes into effect. During this time, the insurance company reviews past vet bills and medical records to understand what pre-existing conditions should be noted in the record.

The waiting period is also to prevent pet owners from only obtaining dog and/or cat insurance because of an injury or illness. Pet insurance should be obtained BEFORE anything happens and waiting periods ensure that happens.


by DOGuide

Dog Ownership Guide – D.O.G. – launched in 2021 to meet the needs of dog owners and their dogs worldwide. Our website is a place to not only learn, shop, and entertain, but share as well. Leave a comment, contact us, or learn more about the founder.

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