Short Guide to Pet Insurance for Dogs – Cost, Waiting Period, Exclusions, and Pre-Existing Conditions

If you’ve ever wondered how to choose the right Pet Insurance for Dogs, this article can help. Many dog owners are not sure how to make their dog insurance cost effective and affordable. The good news is that there are several types of dog insurance to suit every dog owner’s needs and budget.

Dog insurance is very important, especially for pet owners with young ones. Many dog health insurance plans will protect you against veterinary costs ranging from preventative to the unforeseen. You now have more flexible choices for your dog’s different stages of life through monthly premiums.

You can even choose one of the three plans which are based on your dog’s age. As a responsible pet owner, it’s vital that you take the time to choose the right plan, which will work well in the future.

Golden Retriever Insurance

Being an owner of a golden retriever, we are worried about high golden retriever dog insurance costs. Are you too really worried that you may not be able to afford the cost of the pet healthcare?

Given that golden retrievers are known to have several severe health complications, especially at the later part of their life, it is important that your golden retriever insurance covers most of the expenses.

Hospitalization costs and surgeries and treatment costs can be prohibitive. It is for this reason that it is best to have a golden retriever dog insurance policy so that if this ever happens you won’t have to worry about all your expenses.

All you have to do is search for the best pet insurance for golden retrievers online and compare all the different quotes that you receive. This way you can ensure that you get the best possible rate and coverage for your golden retriever insurance cost.

How Much Do Pet Insurance Cost?

Pet insurance policies vary greatly and you need to know how much do pet insurance cost before you sign up for one. Pet insurance policies differ because they are based on different variables. The insurance company deducts a certain percentage of that amount from your monthly premium.

If you want to know how much do pet insurance cost, you will need to know what your monthly premium is and then add that to how much your deductible will be so that you know how much do pet insurance cost.

Pet Insurance for Dogs - Compare Plans and get the best quotes

Pet Insurance for Dogs Cost and Comparison

Dog Insurance






Best Overall dog insurance.


1-14 days

Best for routine dog health insurance.


14 days

Best if you have multiple pets.


2-14 days

Best for emergencies dog insurance.


1-14 days

Best for Holistic care.


14 days

Best for older dogs, wide range.


2-14 days

Best for pre-existing conditions.


2-14 days

Best for service members.


3-14 days

Best affordable pet insurance.

What influences the Cost of Pet Insurance?

Breed and size, number of dogs you have, what coverage are you seeking, the amount of coverage you want, deductibles.

Your monthly premium is a major determining factor in how much do pet insurance cost. It is important that you find an insurance policy that has low monthly premiums.

When you need to know how much do pet insurance cost, you need to contact an insurance agent. A good agent will be able to answer all your questions about pet insurance policies and help you decide which type of policy is the best one for your pet.

Since many people have different pets, there are several different types of pet insurance available to choose from. To get the right insurance policy for your pet, talk to a veterinarian who knows how insurance companies base their premiums on factors such as age, breed, size, pre-existing diseases, waiting period, etc.

How to buy the Best Pet Insurance for Dogs?

The first step is to shop around and compare rates for different pet insurance companies. By comparing quotes from different insurance companies you’ll know more about how much you will have to pay in premiums and what coverage is included.

Many pet insurance plans are bundled with routine visits to your vet. For example, if your dog is spayed or neutered, most pet insurance plans will also cover visits to a veterinarian for other healthcare issues. Just make sure that your pet insurance company does not charge extra for having regular vet care.

Another thing to keep in mind when comparing different dog insurance quotes is how each provider handles reimbursements. Some companies will require you to submit a claim form after your pet is diagnosed with a medical problem.

Others require you to reimburse the cost of veterinary treatment up to a certain amount per month. To decide which type is best for you, consider how much you will have to pay in monthly premium and factor that into the amount of coverage you need.

pet insurance for dogs

Why is Pet Health Insurance Necessary?

As a dog owner, you are probably well aware that most veterinarians charge more for dog health problems than they would for human health problems. This is due to a number of factors, including the tendency of dogs to get more serious illnesses at a younger age, their smaller size, and genetic predisposition to certain breeds.

If this is a concern for you, be aware that the average cost of treating common dog illnesses and diseases is far lower than that of humans. This is another reason why you should consider purchasing pet insurance without delay.

Another common reason dog owners purchase pet insurance is because they want to protect themselves in the case of severe injuries or illnesses caused by another person or animal.

Common injuries from dog bites include lacerations and broken bones, as well as organ and tissue damage. In the case of severe illness or disease, it is very important that you seek veterinary medical treatment as quickly as possible.

However, without insurance, you may have a tough time getting the help you need. In addition, most vets do not accept pet health insurance, so you may have to take your dog to an emergency veterinary hospital or wait for insurance to help cover the cost of boarding or rehabilitation.

The final group of dogs that most people purchase dog insurance for are those who live in areas where there is a high risk of injury or illness. Since these pets are exposed to many risks, including road accidents, falls, fights with other dogs and other pets, and poisoning, they often suffer more serious injuries than other pets.

In some cases, the injured pet might lose its tail or its ability to walk, requiring life support until it is healed. Even then, if the accident is not covered by the policy, you may have to pay an emergency fee equal to about 10% of the per month cost of the policy.

Pet Insurance for Rescue Dogs

As a dog owner, pet insurance for dogs is something that you should not be without. Many times, older dogs suffer from issues that can cause a lot of grief and can even cost you thousands of dollars. This type of insurance also can help in filling the gaps in coverage when you travel or move to a new home.

One of the most common ailments seen in older dogs is hip dysplasia, which can cause arthritis. It is important to have this disease covered by your dog’s insurance if you want to enjoy long life with your pet. The good news is that there are many companies that now offer pet insurance specifically for rescue dogs and there are many different policies.

Older dogs can be prone to accidents such as trips out to go potty, injury or even aging related illnesses such as diabetes. In most cases, it is necessary to get your dog to a vet doctor to get them checked out before you take them to the groomer, but you should know that hip dysplasia can make it difficult for your vet to even realize the extent of the damage.

Even though there are many different policies available for hip dysplasia free of charge, most dog owners still prefer to have this type of insurance because of the peace of mind that comes from knowing they will be taken care of if something terrible happened to their dog.

Pet Insurance for Dogs with Pre-existing Conditions

You should also be aware that your pet insurance policy may or may not cover pre-existing medical conditions. The pre-existing medical conditions fall under two categories of – Curable and Non-curable. The insurance companies generally only cover the curable category, if at all, in most cases. Again this categorization is defined by the company and may vary.

Most veterinary bills are non-refundable and if your dog has been diagnosed with anything more serious than a simple warts and skin problem, then the bill could be very high. Most animal shelters also have a vet available to care for animals at all hours of the day and night.

A lot of these clinics and vets are open twenty-four hours a day, seven days a week. For some pet owners, having a pet that is always available is priceless. If you do not want to pay for your pet’s medical bills out of pocket, then consider getting a pet insurance policy.

In the Closing

With such a wide array of choices available in the market, the choice depends on the pet owner as to how much or how little he or she wants the health costs to be covered under the pet insurance for dogs. Pet insurance companies charge premium based on various factors with a lot of terms and conditions that the pet owner need to be aware of while signing up. Make sure you read the fine print and ask a lot of questions – the devil is in the details. Happy Pet Parenting!

List of most Possible Conditions Covered Under Comprehensive Pet Insurance for Dogs

Accidents, Illnesses, Preventive care, Pre-existing conditions, Hospitalizations, Surgeries, Diagnostic tests, Exam fees, X-rays, Ultrasounds, Medications, Holistic care, Alternative therapies, Emergency care, Hereditary conditions, Dental diseases, Behavioral health, Torn ligaments, Bite wounds, Broken bones, Swallowed objects, MRIs, Surgery, Hospitalization, Congenital conditions, Chronic conditions, Cancer treatment, Behavioral therapy, Diagnostic screenings, Prescriptions, Rehabilitation, Car accidents, Injuries, Poisoning, Cuts and lacerations, Prescription drugs for covered conditions, Emergency services, Diagnostic testing, Holistic and alternative treatments, Cancer, Hip dysplasia, Diabetes, Eye disorders, Physical therapy, Lab tests, X-rays, ultrasound, Alternative treatments, Boarding kennel fees, Trip cancellation, Additional living expenses, Lost pet recovery costs, Bites, Burns, Eye injuries, Toxic ingestion, Sprains, Breed-specific conditions, Hospitalization, Alternative therapies and rehabilitation, Prescription drugs, Exam fees (optional), Cancer treatments, Teeth cleaning, Flea and tick prevention, Vaccines, Wellness exams, Blood work, Microchipping, Deworming, etc.

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