Dog Health Insurance

By | November 2, 2011

Dog health insurance is growing in popularity. But some people still aren’t aware of how fast pet expenses are growing. They are actually growing at TWICE the rate of inflation.

Taking care of a dog is a big responsibility and one that can be expensive.

While dogs are generally healthy, there are situations where they can get into trouble like eating poisonous plants or getting hit by a car, which is where having a policy takes over.

Dog health insurance is a good option for many people who are facing rising veterinary costs.

Having dog health insurance can help save money in the long run by not only reducing the costs of routine pet expenses but also by reducing large emergency veterinary fees

Premiums and Deductibles

Just like for human insurance pet insurance is also subject to premiums and deductibles. For a complete comparison check out our:

Dog Insurance Comparison Chart.

What Determines The Price?

The price of dog health insurance will vary by the policy type you choose, the dog’s breed, the dog’s age, health, lifestyle, available discounts, and deductibles.

Policies can range from just covering routine care or emergency care to being totally comprehensive.


Some dog breeds are more prone to health problems than other dog breeds which is why a their premiums cost will be more.


An older dog will have much higher premiums than a younger dog. Also for some older dogs, once they reach the age of 8 years old, it can be hard to find insurance for them.

Pre-existing Conditions

Pre-existing conditions can add to the total price of a policy. Any illness our injury your dog had in the past 12 months will likely be considered a pre-existing condition and the policy will likely not cover that illness if it re-occurs.


If you are insuring multiple pets, most companies will give you a discount. Also many companies like Iams offer a 5% discount if you buy insurance through them.

Always ask for a discount, it doesn’t hurt to ask!


Purchasing dog insurance does not have to be difficult but it can be.

With all the choices out there it can be hard to decide which policy and which deductable level is right for you. Hopefully, this website will give you the tools you need to make your decision.

It is always a good idea to ask your veterinarian what type of pet insurance they recommend because they might have a better relationship with a certain pet insurance company. They might also know which pet insurance company is more responsive in your area.

To find out how a company is performing, check out our:

Pet Insurance Reviews.

It can be hard to compare dog insurance policy side by side since they are so different from each other. But it is important to take your time and to get all your questions answered before buying dog health insurance.

Pet insurance is a big decision, because over the lifetime of the dog it can add hundreds to thousands of dollars to the total expense so it is best to do good research.

Dogs are curious animals and they always seem to be getting their noses into something so it would be wise to get pet insurance for them. As always prevention is the best cure so keep your dog safe and hopefully you will not have to use dog health insurance.