How to Choose the Right Dog Insurance

December 14, 2022by DOGuide0

Choosing the right dog insurance can be a daunting task, but it is an important decision that can save you money and provide peace of mind in the event of unexpected veterinary costs. With so many different insurance options available, it can be difficult to determine which one is best for your furry friend. In this article, we will provide some tips on how to choose the right dog insurance for your needs.

Guide on How to Choose the Right Dog Insurance

Below is a step-by-step guide on how to choose the right 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.

Collect Possible Pet Insurance Providers

To choose the right dog insurance for you and your pup, first, start by collecting a list of pet insurance companies.

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.

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 the right dog insurance, such as budget and individual needs. By speaking to an insurance provider, you’ll be able to customize the quote to your 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 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 set up 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.

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

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.

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.

How to Know You Chose the Right Dog Insurance

To determine if you have chosen the right dog insurance, there are several factors to consider:


Make sure the policy covers the types of expenses you are most concerned about, such as accidents, illnesses, and injuries. It is also a good idea to review the exclusions and limitations of the policy to ensure that it meets your needs.


Consider the cost of the policy in relation to your budget, but also keep in mind the potential cost of unexpected veterinary expenses. A policy with a higher premium may offer more comprehensive coverage and could save you money in the long run.

Reputation and Financial Stability

Choose a company with a good reputation and financial stability to ensure that it will be able to pay claims in the event of an unexpected veterinary expense.

Customer Service

Consider the level of customer service offered by the insurance company. Look for a company with knowledgeable and helpful representatives who are available to answer your questions and address any concerns you may have.

If the above applies to the dog insurance you choose, you know you’ve chosen the right one for you and your dog.

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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