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Everything you need to know to choose Dog Health Insurance for your Best Friend!
Here you will find out information on:
- how insurance company generates the prices for different kinds of dogs,
- important information to look out for when choosing insurance for your dog,
and…. finally a collection of companies in different countries.
When you’re looking to get Dog Insurance, some things that you need to know are:The price of the dog insurance depends on several things:
• Where you live in your country
• The age of your dog
• The breed of your dog
Photo- Thanks from Shirley!
For example, an older Great Dane living in a large expensive will cost more to insure than a mixed breed, puppy living in a less expensive city.
Where you live:
Different cities have different average veterinary fees, and this is reflected in the monthly premium. For example, vet costs are higher in Toronto, or London England or New York…
The age of your dog:
Younger dogs, just like younger people have fewer medical problems, and so the monthly payment is lower for younger dogs.
Most pet insurance companies charge more for Dog Insurance for certain breeds.
Some companies wont insure some breeds.
Sometimes pure breed dogs have a younger age that they have to sign onto the plan.
Below is a list of some of the more common breeds that are expensive to insure for Dog Health Insurance.
|Alapaha Blue Blood Bulldog||Dalmatian||Landseer; Leonberger|
|Alpine Dachsbracke||Deerhound, Scottish||Mastiff|
|American Bandogge Mastiff||Doberman Pinscher||Mee Kyun Dosa|
|American White Shepherd||Dogue de Bordeaux||Neapolitan Mastiff|
|Appenzeller Sennenhunde||Dosa Inu||Newfoundland|
|Azawakh||Dutch Sheepdog||Old English Sheepdog|
|Basenji||English Mastiff||Perro de Presa Canario|
|Basset Hound||Entlebucher Mountain Dog||Peruvian Inca Orchid|
|Berger des Pyrénées||Estrela Mountain Dog||Pharaoh Hound|
|Bernese Mountain Dog||Fila Brasileiro||Rottweiler|
|Boerboel||French Bulldog||Saint Bernard|
|Braque Francais Pyrenees||German Shepherd, King||Terrier, American Staffordshire|
|Bulldog, American||Great Dane||Terrier, Bull|
|Bulldog, English||Great Pyrenees||Terrier, Miniature Bull|
|Bullmastiff||Greater Swiss Mountain Dog||Terrier, Pit Bull|
|Cane Corso||Greyhound||Terrier, Soft Coated Wheaten|
|Caucasian Mountain Dog||Griffon Vendéen, Grand Basset||Terrier, Staffordshire Bull|
|Central Asian Outcharka Shepherd||Irish Wolfhound||Tibetan Mastiff|
|Chinese Shar-Pei||Italian Greyhound||Tosa|
Table list- According to Petcare Insurance Canada (Petcare only insure Sharpeis for accident coverage)
Just because PetCare identifies the breeds that they charge more to insure, Overall, most companies do charge more for selected breeds (similar to list above), but just do not advertise it on their website.
Most companies in Canada cover all breeds, however they charge different amounts for different breeds under their various Dog Health Insurance plans.
In the United States,
Banfield’s plans are the same price for every breed of dog. (routine care coverage)
Pet plan in the USA does not cover: wolf or wolf crosses or cloned pets.
Pets Best in the USA: Pregnancy can be covered for many breeds, however they do exclude some breeds as follows: Dog breeds: Bulldog, French bulldog, Boston Terrier, Chihuahua, Pug, Dachshund, Lhasa Apso, Maltese, Pekinese, Pomeranian, Schipperke, Shih-Tzu, Tea cup poodle, West Highland Terrier, Yorkshier Terrier. Cat Breeds: Himalayan, Persian.
Dogs under the Dangerous dog act are not covered by most companies:
Pit Bull Terrier
Japanese Tosa / Tosa Inus
Dogo Argentino (also referred to as Argentine Dogo and Argentinian Mastiff)
As well as pets described similar in type and characteristic. They may not even be of this breed, but if they’re described to be the same.
This is described as a type and characteristic, NOT breed, meaning any dogs that have characteristics as the above breeds.
Also, Many companies in England will not insure:
American Bandogge/Bandogge Mastiff
American/Irish Staffordshire Bull Terriers
Canary Dogs/Perro De Pressa Canarios/Presa Canarios
Czechoslovakian Wolfdogs/Sarlooswolfhounds/ Wolf Hybrids
Northern Inuit Dogs
Or any crosses with these breeds.
Some other things that you will want to keep in mind when choosing the right Dog health insurance are:
Does the plan cover hereditary or congenital conditions ?
Does the company pay a % of the vet bill you pay or is their payment based on abenefit schedule?
Now that you know some more information about dog insurance,
Check out the Dog Health Insurance companies in your country:
Read about the company that I would recommend:
Share your experience. Good or bad, we want to hear.