Dog insurance comparison

When comparing dog insurance, focus on the following:

Key Features:

1. Coverage: Check what’s included—accidents, illnesses, wellness visits, vaccinations, dental, etc.
2. Limits: Annual or lifetime payout caps.
3. Deductibles: Amount you pay before insurance starts covering costs.
4. Reimbursement Rate: Percentage of costs the insurer covers (e.g., 70%, 80%, 90%).
5. Exclusions: Pre-existing conditions, hereditary issues, or breed-specific exclusions.
6. Waiting Period: Time before coverage begins.

Popular Companies (Varies by Region):

• Healthy Paws: No lifetime caps, good for emergencies.
• Trupanion: Covers 90% of costs but doesn’t include wellness.
• Nationwide: Comprehensive plans, including wellness.
• ASPCA Pet Insurance: Customizable plans.
• Embrace: Wellness rewards and hereditary condition coverage.

Tips:

• Compare premiums vs. coverage benefits.
• Read reviews on claim approval and customer service.
• Ensure the policy fits your dog’s breed, age, and medical history.