Dogs are beautiful, and they are very good at keeping company. And that is why you are reading this right now. You eat healthy foods to stay fit and alive. Also, you take good care of your dog to enjoy its company. You want to provide the best care for your furry friend. Apart from feeding your dog, some things are necessary. One of the ways of caring for your dog is getting pet insurance.
Pet insurance is a valuable tool that can offer financial protection and peace of mind regarding your dog's healthcare expenses. The only question that has stopped you from purchasing this type of insurance is: How much does pet insurance for dogs cost? In this comprehensive guide from Homebody, you will understand the factors that influence the cost of pet insurance, discuss coverage options, and help you know the pet insurance price for dogs. By the end, you'll know how to make an informed decision about insuring your beloved canine companion.
If you don’t have the time (who has time to read when there are walks to take?), we’ve included an extensive FAQ to help you find the answers you need.
Let’s take a journey learning about pet insurance for your dog.
Pet insurance is not as expensive as you have thought all this while.
An accident-only policy offers a budget-conscious option, averaging around $201 per year for dogs, but keep in mind that it won't cover illnesses like cancer or allergies.
You do not need to panic; this guide will help you find the right fit for your pet's needs.
If you are wondering what makes up the costs of a pet insurance policy, this section will help you understand it better. Let us take it a step at a time.
You pay an annual fee for your music on your gadget, right? Sometimes, it is called a "subscription fee". The same applies to pet insurance; Premiums help to keep your dog's insurance active. You can pay it monthly, every few months, or annually.
Like the "pay-before-play" rule, you'll have to cover a certain amount out of your pocket before the insurance kicks in to help with the bills.
When your dog needs medical care, the dog insurance company will "refund" you a percentage of the eligible expenses after you've met the deductible. Truthfully, it would be best to choose an issuance company carefully. Many companies don’t refund your expenses in full.
After meeting the deductible, you may still need to pay a percentage of the bill as a shared cost with the other insurance provider.
Just like your cell phone data plan has a limit, pet insurance also has a maximum amount it will pay for certain treatments or conditions during a set period. You'll be responsible for the out-of-pocket costs if medical bills exceed this amount.
Some plans might cover the check-up fees, while others won't. It's like paying for the doctor's visit before the insurance starts helping.
Waiting Periods
Think of this as the "cooling-off period" when specific treatments or issues won't be covered immediately after you get the insurance.
You cannot think of any other pet insurance company than Homebody because we offer you the maximum benefits for your dog.
Full pet insurance coverage protects your dog from unexpected accidents and illnesses.
It covers medical expenses resulting from accidents like fractures or cuts and expenses related to illnesses such as infections, gastrointestinal issues, or skin conditions.
Your dog's medical needs will be addressed, whether a minor injury or a severe illness. And you can trust Homebody with this.
Complete coverage plans often include optional coverage for routine and preventive care. It means that expenses for regular check-ups, vaccinations, flea and tick prevention, dental cleanings, and spaying/neutering procedures may be covered.
Providing routine care is essential for maintaining your dog's health and well-being, and with full coverage, you can stay proactive in their care.
For any dog owner, the cost of prescription drugs can be quite a burden on your pockets.
Full coverage pet insurance typically covers the cost of essential medications a veterinarian prescribes for your dog's health condition or treatment.
From short-term antibiotics to long-term medications for chronic illnesses, you can rest assured that your furry companion's medical needs are taken care of. And that is why the Homebody is ready to help you out.
Certain breeds of dogs are prone to hereditary and congenital conditions, and these can lead to significant medical expenses. Whatever your dog breed is, you do not need to worry when you choose Homebody.
Coverage may include conditions such as hip dysplasia, heart disease, and certain types of cancer more prevalent in certain breeds.
If you want the best policy money can buy, full coverage pet insurance is the most comprehensive option for you as a dog owner.
This policy includes accident and illness coverage, routine and preventive care, unlimited coverage for prescription medications, and hereditary and congenital conditions.
With full coverage, you can have peace of mind knowing that your companion is protected from various health issues and medical expenses.
Some plans offer optional add-ons for regular check-ups, vaccinations, and teeth cleaning, providing a wellness package for your dog.
When you talk to one of us at Homebody, your options will be tailored to your needs and that of your pet.
Remember, Homebody's pet insurance offers fully customizable plans and riders, allowing you to upgrade your policy as needed.
Always read the small print to grasp the precise coverage offered by various plans, just as you should, before clicking "I Agree" on an app's terms of service!
As you may have guessed, pet insurance for dogs isn’t one-size-fits-all. After all, a little Chihuahua has different needs than a massive Cane Corso.
To give you an idea of what to expect for higher or lower costs, let’s show some of the key factors that influence the cost of pet insurance for dogs:
Your dog's age plays a role in determining the cost of pet insurance. Generally, younger dogs have lower premiums compared to older dogs.
As dogs get older, they could become less resistant to certain illnesses, raising insurance costs. Know this and have peace of mind.
Different dog breeds have varying predispositions to specific health issues. Your Cane Corso’s health problem differs from your neighbor’s German Shepherd, even if they are the same age.
Some breeds may be more susceptible to genetic conditions or hereditary diseases, which can affect the cost of insurance.
The extent of the accident and illness plans and coverage you choose will affect the cost of pet insurance.
Comprehensive plans with accident and illness coverage generally have higher premiums than accident-only plans. The same goes for custom plans with riders, as these must be added to your base coverage.
Depending on where you live, veterinary care can cost different amounts.
If you live in an area where veterinary services are generally more expensive, it may impact the cost of pet insurance.
Remember that your location may not be directly correlated to similar veterinary expenses.
For example, metropolitan areas often have a multitude of vets to choose from, whereas rural and remote areas may require visiting vets who specialize in your dog’s care.
Different pet insurance companies offer varying rates and coverage options.
To find the best coverage at a reasonable price, comparing quotes from various insurers is necessary.
Insurance for dogs offers plenty of benefits for you and your furry friend.
Here's what a pet insurance policy from Homebody can do for your dog:
Financial Protection
Pet insurance provides financial protection for you as a dog owner by covering a portion of your dog's veterinary expenses. This helps manage unexpected costs and avoids the stress of paying large vet bills out of pocket.
Access to Quality Care
Pet insurance lets you afford the best available veterinary care for your furry friends without worrying about the costs. This ensures timely and necessary treatments, surgeries, medications, and medical interventions.
Peace of Mind
Knowing that you have pet insurance gives you peace of mind, as it guarantees that you can provide your dog with the care they need in case of accidents or illnesses. This allows you to focus on your dog's well-being without financial worries.
Preventive Care
Preventive treatment, such as immunizations, yearly exams, flea and tick prevention, and dental cleanings, are covered by certain pet insurance policies. This proactive approach helps prevent potential health issues and detect problems early on.
Pet insurance for your dog isn’t as exclusive as you and your pet parents might think. However, insurers may decline coverage for qualifying for pet insurance for the following reasons:
Pre-existing conditions
If your dog has any pre-existing condition, the insurance company may decline coverage for that specific condition or may reject the policy application.
Breed restrictions
Certain breeds of pets, especially those with known hereditary health issues, may face breed-specific exclusions or higher premiums. See the chart below for common breed restrictions.
Age
Some pet insurance providers have age restrictions and may not offer coverage to too young or old pets.
Medical history
A pet with a history of frequent illnesses or costly medical treatments may be considered a higher risk for the insurer, leading to a declined application.
Unhealthy lifestyle
Pets with a history of aggressive behavior or participating in high-risk activities (e.g., guard dogs, racing dogs) may be denied coverage due to their increased likelihood of injuries.
Coverage area
Some pet insurance companies have geographical restrictions and may not offer coverage in certain regions.
Incomplete or inaccurate information
The insurer may only accept the application if the application form is filled out correctly or if essential medical information needs to be included.
Waiting periods
If your pet requires immediate medical attention or has an ongoing condition during the waiting period, coverage for those conditions may be denied.
Policy limitations
The specific policy you applied for may have limitations that don't align with your dog’s needs or the coverage you sought.
As mentioned above, certain breeds of canines may be more prone to specific health conditions, affecting your premiums, deductibles, or whether you qualify for insurance.
Check out the breakdown of the most common dog breeds that may have higher insurance premiums due to pre-existing conditions:
Bulldog - Breathing difficulties, skin problems, joint disorders
German Shepherd - Hip and elbow dysplasia, degenerative myelopathy
Labrador Retriever - Obesity, hip and elbow dysplasia, progressive retinal atrophy
Dachshund - Intervertebral disc disease, spinal problems
Boxer - Cardiomyopathy, certain cancers, hip dysplasia
Golden Retriever - Hip dysplasia, certain cancers, heart issues
Cavalier King Charles Spaniel - Mitral valve disease, syringomyelia
Poodle - Progressive retinal atrophy, hip dysplasia, certain skin conditions
Great Dane - Heart disease, bloat, hip dysplasia, certain cancers
Chihuahua - Dental issues, patellar luxation
You now have a comprehensive understanding of the insurance cost for your fur baby! That’s certainly something to bark and swing the tail about.
To take the next step of full benefits, Homebody is at your service to put the best pet insurance companies within your paws in just a few clicks!
You can instantly reach us for a quote, get the coverage your doggie deserves in minutes, and enjoy peace of mind today.
Homebody is the best place to enjoy all the benefits you have learned in this guide.
Pressed for time but still want answers? Well, you’re in for a treat: Homebody’s got you covered with these quick and easy FAQs!
How much does pet insurance for dogs cost?
The cost of pet insurance for dogs varies depending on factors such as the dog or pet's age, breed, location, and the coverage options selected.
On average, accident and illness coverage for dogs can cost around $53 per month or approximately $640 per year. Accident-only policies are more budget-friendly, averaging about $17 per month or $201 per year.
However, remember that accident-only coverage does not include illnesses like cancer or allergies.
What are the average annual premiums for accident and illness coverage for dogs?
The average annual premiums for accident and illness coverage from pet insurers for dogs are approximately $640 per year, according to the latest data from the North American Pet Health Insurance Association.
Are there more affordable options for pet insurance, like accident-only policies?
Yes. If you are looking for more budget-conscious options, accident-only policies can be a more affordable choice.
These policies average around $17 per month or $201 per year. However, it's essential to consider that accident-only coverage does not include illnesses like cancer or allergies. Weigh your options carefully to find the right fit for your pet's needs.
What components affect a dog's pet insurance premium?
Several components influence the cost of pet insurance for dogs, including the dog's age, breed, location, the selected coverage options, and the average pet insurance cost per company offering the policy.
Checking quotes from different insurers can help you find the best coverage at a competitive price.
How do premiums, deductibles, and reimbursement percentages work in pet insurance?
Premiums are the regular payments made to keep the pet insurance policy active. The sum that must be paid out of pocket before insurance coverage kicks in is the deductible.
Reimbursement percentages indicate the portion of eligible expenses that will be refunded to the cat insurance policyholder after meeting the deductible.
What is covered under full coverage pet insurance for dogs?
Full pet insurance coverage for dogs typically includes protection from unexpected accidents and illnesses.
This coverage extends to medical expenses resulting from accidents like fractures or cuts and expenses related to infections, gastrointestinal issues, or skin conditions.
From minor injuries to severe illnesses, full pet insurance coverage ensures that your dog's medical needs will be handled.
Does full coverage pet insurance include routine and preventive care?
Yes, full coverage pet insurance often includes optional routine and preventive care coverage. This means expenses for regular check-ups, vaccinations, flea and tick prevention, dental cleanings, and spaying/neutering procedures may be covered.
Providing routine care is essential for maintaining your dog's overall health and well-being, and with complete coverage of average pet insurance, you can stay proactive in their care.
Are prescription medications covered under full coverage pet insurance?
Yes.
Full coverage pet insurance typically covers the cost of prescription medications a veterinarian prescribes for your dog's health condition or treatment.
From short-term antibiotics to long-term medications for chronic illnesses, you can rest assured that your furry companion's medical needs are taken care of.
Does full coverage pet insurance include hereditary and congenital conditions?
Yes.
Specific full-coverage pet insurance plans include coverage for hereditary and congenital conditions.
These conditions are inherited or present at birth and can include hip dysplasia, heart disease, or certain types of cancer that may be more prevalent in certain breeds.
However, reviewing the policy's terms and conditions is essential to understand the extent of coverage for such conditions.
What are the benefits of full coverage pet insurance for dogs?
Full coverage pet insurance provides a comprehensive safety net for your dog's healthcare needs.
It includes coverage of accidents and illnesses, routine and preventive care, prescription medications, and hereditary and congenital conditions.
With full coverage, you can have peace of mind knowing that your furry friend is protected from various health issues and medical expenses.
Are there any optional add-ons available for pet insurance?
Yes.
Some pet insurance plans offer optional add-ons for specific needs. For example, you may find plans that offer optional add-ons for routine and preventive care, providing a wellness package for your dog.
Exploring the available add-ons and considering your dog's needs before customizing your policy is essential.
Can I customize my pet insurance policy to fit my dog's needs?
Yes.
Homebody's selection of top pet insurance companies and providers offers fully customizable plans and riders, allowing you to upgrade your policy as needed.
Always read the small print to learn the precise coverage offered by various plans, just as you should, before clicking "I Agree" on an app's terms of service!
What breed-specific considerations should I be aware of for pet insurance?
Specific health issues are more common in certain dog breeds, which may impact insurance rates or coverage.
For example, breeds like Bulldogs, German Shepherds, and Labrador Retrievers may have higher premiums due to common hereditary conditions.
Researching your dog or pet's breed and potential health risks is crucial to finding the most suitable coverage.
Can my dog be turned down for pet insurance?
Yes.
Pet insurance companies may also decline coverage for certain dogs based on several factors.
Some common reasons for rejection include pre-existing conditions, breed restrictions, age limitations, an unhealthy lifestyle (e.g., aggressive behavior), coverage area limitations, incomplete or inaccurate information on the application, or waiting periods for certain conditions.
How can I ensure my dog's application for pet insurance is approved?
To increase the likelihood of your dog's application being approved for a pet insurance plan, consider enrolling them at a young age or as soon as possible. This can help avoid potential pre-existing conditions and ensure comprehensive coverage. Additionally, carefully fill out the application form with accurate medical information and choose a policy that aligns with your dog's needs.
Choose Homebody and enjoy your pet more.
