How to Choose Dog Insurance

December 29, 2021by DOGuide0

You’re considering dog insurance. Good job! We’re patting you on the back. Pet insurance is one of the least utilized resources for dog owners, and it’s a missed opportunity to safeguard your financial future.

Pet insurance operates much like health insurance for humans, except it focuses on injuries and non-pre-existing health issues.

Watch the video below to learn how Job has used his dog insurance policy:


A Step by Step Guide on How to Choose Dog Insurance

Below is a step-by-step guide on how to choose the best dog insurance. While it may take a little bit of time to research different pet health insurance plans, the time and effort spent will be highly worth it in the long run. Consider it an investment in your financial future.

First Step: Collect Possible Pet Insurance Providers

To choose the best pet insurance for you and your pup, first, start by collecting a list of pet insurance companies. We have done that for you below:

All of the above insurance companies have pet insurance plans that meet the needs of pet parents (singular pet owners as well as multi-pet owners). Your pet’s age does not matter, even though it’s better to lock in dog insurance as soon as possible in your dog’s life to avoid non-payment for pre-existing conditions.

It’s also important to lock in dog insurance early because the pet insurance plans above offer routine care programs. These programs do not work like insurance in that they pay your vet bills for preventative care BUT they do act as budget or discount programs.

Second Step: Request Quotes

All pet insurance plans offer illness coverage and emergency care coverage. Pre-existing conditions are never offered to keep people from enrolling in a policy only when a medical problem arises.

You will also need other information such as:

  • Pet’s Age
  • Breed (quote is based on possible hereditary conditions)
  • Pre-existing Conditions

All pet insurance quote requests are similar, so once you complete one request, you’ll find others to be much easier and faster to finish. Depending on how the particular pet insurance company handles quote fulfillment, you may receive the quote instantly online or via a call to go over coverage options.

choose dog insurance

Pet insurance providers understand there are many factors involved when choosing dog insurance, such as budget and individual needs. By speaking to an insurance provider, you’ll be able to customize the quote to you and your pup’s needs.

For instance, not everyone wants comprehensive coverage including accident and medical condition treatment coverage. Some people prefer to start with accident-only plans when their dog is young and then add the medical coverage as the pup matures.

What’s the benefit of getting an accident-only plan? Cost! With only half the coverage, you pay much less AND you can still have a wellness plan to the policy to save some money or put money towards routine care.

The same type of setup can be done with older pets. Many older pets spend a lot of time indoors due to decreased physical activity. Pet owners often decide not to include an accident-only plan because there’s less risk during that time in the pet’s life.

Pregnant dogs can take advantage of dog insurance as long as it is setup before conception. Learn more about pet insurance for pregnant dogs.

The annual deductible is another important consideration. Lower annual deductibles often have higher premiums, and higher annual deductibles have lower premiums. Depending on your budget, you may have to select one over the other and change it as your financial situation changes.


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Step Four: Review Quotes

Don’t make this step harder than it is – when requesting the quotes for each insurance policy, be sure to make each one as similar as possible, so you can simply compare costs.

Create a simple table like the one below to help you choose the best dog insurance policy:

Pet Health Insurance Provider Comparison Chart
Company Annual Deductible Monthly Premium Annual Limits Wellness Coverage
PetFirst Y/N
Embrace Pet Insurance Y/N
PetPlan Y/N

By identifying which costs of the pet insurance policy are higher or lower than the others, you can identify the provider that’s best for you.

Step Five: Make the Final Decision

Once you’ve chosen one or even two possible dog insurance plans, it’s time to make the final decision. Since you’ve already compared pet insurance policies, the only last but very important consideration is the company’s customer service.

When dealing with emergency care for your pup, you want customer service to be attentive, responsive, and pleasant. These three attributes should be the way customer service treats you from the start of your relationship with them. First impressions are everything, so if during the quote request you didn’t feel you were given the attention you deserve, you may want to reconsider your choice.

If you requested an online quote, call the insurance company to ask some questions (even if you already know the answers). You will be able to assess their customer service right away based on the way they answer the questions.

Even if you have two or three possibilities after reviewing costs, it’s likely you’ll know which dog insurance you should choose after speaking to the insurance provider’s representatives.

Now, you know how to choose dog insurance. Move forward with confidence. You’re about to achieve the status of a responsible pet owner who is also financially smart. Congratulations!

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