How Does Pet Insurance Work? - DogVills (2024)

April 29, 2019 By Tabatha H 23 Comments

Our dogs are four legged family members and all family members need insurance, furry ones included. Most pet insurance policies are meant to cover unexpected vet bills. So your yearly visits for shots and exams will not be covered. A few things you can expect from pet insurance in general is a monthly premium, a reimbursem*nt level or co-pay percentage and the ability to keep your vet. Pet insurance is typically a reimbursem*nt program. Here are a few pet insurance programs to check out for yourself and see which one fits your needs best!

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How Does Pet Insurance Work?

Trupanion: This appears to be a great insurance plan. You pay a monthly premium just like insurance for yourself. If your dog becomes sick or injured, they will cover 90% of the cost. Also, they go by the actual bill from your vet, not from some generalized ‘what it should cost’ plan. You can keep your trusted vet as well. Unlike with your own insurance, there is no cap on payouts. This means that if your poor pooch is unlucky enough to need ongoing care, you will still be covered 90% of his care. They accept dogs and cat from 8 weeks to 14 years of age and there is no need to schedule a vet visit first. You can check them out at trupanion.com or you can call them at 855.591.3100.

Veterinary Pet Insruance (VPI): This is actually part of Nationwide. They have 4 plans to choose from and they are all a low monthly fee. Their most popular plan, the Major Medical Plan which is the most comprehensive, it covers things like seizure disorders and skin cancer. You also have a maximum yearly benefit of $14,000. The Medical Plan is the most economical, covers some of the same things as the above plan with a max yearly benefit of $7,000. The Injury Plan is for emergencies so it will take care of things like skin abrasions, torn toe nails, or insect bites or stings and of course broken bones. Your last option is the PetWellness Plan for his vaccinations and yearly exams.. When I say they are affordable, they really are! The most you will pay is about $35 a month. You can check them out for yourself at petinsurance.com/plans-and-coverage.aspx

Healthy Paws: Customers really seem to love this pet insurance company, they are chosen to be be #1 in a few different surveys! They claim to be the only ones out there to offer unlimited lifetime benefits with an annual deductible. They do not cover pre-exhisting conditions, meaning anything your dog shows signs of prior to the start of your insurance start date. He does not have to have a diagnosis for it to be concidered pre-existing. They do take care of things like hereditary conditions, cancer, specialty care and hospitalizations to name a few. Take a more detailed look at what they cover and their rates at healthypawspetinsurance.com/dog-and-puppy-insurance

Pet insurance is a great way to ensure you have some coverage for your pets unexpected needs. No one wants their dogs to get hurt or sick. I know I have heard many stories of people just putting their sick or extremely hurt pet down because the cost of making them well was just too much. Don’t let yourself have to make that decision. Look into pet insurance and know that your furry friend is covered just like one of the family, because he is.

Have you found other decently priced pet insurance? Share your findings with us in the comment section below!