How to Get the Right Dog Insurance Coverage Without Overpaying

Amy Tokic
by Amy Tokic
Choose the dog insurance coverage you need at a price you can live with

So many insurance companies and policies – what do you go with? When it comes to picking the dog insurance coverage you need, it’s worth the time, effort and cost to do your homework. And we want to give you a little cheat sheet to help out. Here are the basics that most insurance providers offer, so you can be sure you get the right amount of coverage for your dog:

Accident Coverage

It’s hard to think about, but the unimaginable can happen to your pet – and you might not be able to stop it. Your dog could get hit by a car or your new puppy could fall off your bed. A trip to the vet’s office to repair the damage could be a costly – and unprepared – bill to manage. Your dog insurance coverage should cover accidents and it should cover the life of your pet. Some dog insurance companies have set amounts of accidents per policy, per year or for the life of your dog.

Illness Coverage

Poor puppy! You feel so bad when your dog is sick with an illness. From ear infections, to hip dysplasia, to cancer, the costs related to illnesses or disease start to pile up in a hurry. That’s why your dog insurance coverage should cover illness. There are different levels of premiums that come with illness coverage, and some dog insurance companies won’t cover certain breeds that are predisposed to illness or disease. Ask your dog insurance provider if your dog falls into any exceptions.

When it comes to picking the dog insurance coverage you need, it’s worth the time, effort and cost to do your homework.

Test and Medication Coverage

When you take your dog to the vet for a routine visit, it’s nice to know that those expensive tests and medications will be covered. And that’s what you get with Test and Medication coverage. Even with illness and accidents, things like x-rays, medications and hospitalizations are taken care of.

Dental Coverage

Dental health is an important factor when keeping your dog healthy. If you’re interested in annual cleanings or don’t want to worry about the costs with your dog’s teeth and gums, this is one dog insurance coverage you should look into.

Preventive Care

Why wait until your dog is sick before visiting a veterinarian? With Preventive Care as part of your dog insurance coverage, you can be a responsible dog parent and schedule routine wellness care. It’s great to know that bringing your dog in for his annual checkup won’t garner any unexpected costs.

What dog insurance coverage do you think is the most importance to have? Leave us your thoughts in the comments section below.

Amy Tokic
Amy Tokic

Amy Tokic, Editor of, is a passionate animal lover and proud pet parent of Oscar, a Shih Tzu/Chihuahua cross, and Zed, a Japanese Chin. Her love of animals began in kindergarten, when she brought her stuffed dog Snoopy into class with her every day. Now, she writes about her adventures in pet ownership and tirelessly researches products, news and health related issues she can share with other animal enthusiasts. In her free time, Amy loves perusing used book and record stores, obsessing over the latest pet products available and chasing squirrels with wild abandon (a habit attributed to spending too much time with her pooches).

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