The Best Dog Insurance for Sick Dogs



This article is posted as part of PGAA’s curation efforts. This was originally posted at WayCoolDogs


Reviews of the best dog insurance for sick dogs shows that certain options make one company stand out over another. In a dog eat dog world, there is one dog insurance company for pets that has placed #1 in 2013, 2014, 2015 and 2016. We have listed a few of the top dog insurance companies for you to check out.

There are specific ranking criteria for dog insurance companies based on percentages that pet owners specifically require. Looking at anything but a top-tiered pet insurance company for the care of your pet is a waste of time and money.

  • 20% – Coverage
  • 15% – Benefit Limits
  • 15% – Claims and Services
  • 15% – Costs
  • 15% – Reviews
  • 10% – Deductibles
  • 10% – Reimbursement Models

In the United States, you can choose the type of insurance you wish for your furry little animal: pet insurance, dog insurance or cat insurance. It depends on your availability of nearby veterinarians, what kind of pet you have, and what you need.

Certain dog breeds that are known for specific health problems. For example, one of the more popular dogs today is the Labrador Retriever. Health concerns for the lab are arthritis, hip dysplasia and PRA (Progressive Retinal Atrophy, similar to retinitis pigmentosa in humans. It is characterized by the bilateral degeneration of the retina, causing progressive vision loss culminating in blindness).

Guaranteed is the fact that all animals will become sick or have health problems at some time of their life. If you own a dog, having one of the best dog insurance for sick dogs should be mandatory. For example, if you have a dog that likes to chew and swallow foreign objects, it can run over $6,000 for surgery to have the object removed, which is where a good dog insurance comes in.

According to studies of the best dog insurance, for years one insurance company stand out over another. In fact, that company has placed in the #1 position on 2013, 2014, 2015 and 2016. We have listed the top 5 pet insurance companies for you to observe.

Checking out pre-existing conditions for your pet should be your first step when choosing pet insurance. If your dog had a health condition yet was never diagnosed by a vet, it can be covered by most pet insurances. If you are in doubt, contact a dog insurance.

Credit: Nancy Houser – RIP our “Miss Hollie Higgins.“Dachshunds can have health problems such as bloat, epilepsy, hypothyroidism, and intervertebral disc disease. She died disc disease.

Some of the best dog insurance

Healthy Paws Pet Insurance

With no cap on claims and 282 review ratings averaging 9.8% to 10%, Healthy Paws Pet Insurance has become one of the top dog insurances. For the past four years, it has excelled in comprehensive illness and accident coverage, along with its unlimited lifetime benefits. With a free quote and paperless claims, it has a 10% discount from Love Pets for dogs, puppies, cats and kittens on their website.

  • #1 in customer satisfaction / A+ BBB
  • Annual deductible (recommended)
  • Benefit limits and deductibles
  • Chosen by 90% of Consumers Advocate visitors
  • Claims and Reimbursements
  • Cost and coverage
  • Customer service
  • Free mobile app
  • Online consumer reviews
  • Most comprehensive illness & accident coverage
  • Most positive reviews of all pet insurance companies
  • Unlimited lifetime benefits

Known as a top-rated nonprofit dog insurance, Healthy Paws covers a range of situations for animals: accidents, illnesses, cancer, emergency care, genetic conditions and alternative care.

“I can’t stress enough how great of a company Healthy Paws is. My dog has had 2 surgeries (one to correct her constant urinary tract issues and a surgery for a torn ACL) and I’m so happy I had their insurance. The claims process is incredibly easy. You simply scan or photograph your bill through their phone app and within a week they review, process, and mail you a check! I even had a representative reach out to me to see how my dog was doing not long after her surgeries. It’s great knowing if my dog get sick I won’t have to incur all the costs!”
– Jon on Yelp, 10/18/2016

Best dog insurance for pets in shelters and rescues

Healthy Paws provides benefits for shelters and rescues. They assist the animal rescue group to provide medical care to homeless and abandoned animals.

Benefits provided:

  • An affordable plan that covers injuries, illnesses, genetic conditions and emergency care.
  • Receive lifetime discounts.
  • Earn $35 for a referral.
  • Eligible for an Every Quote Gives Hope™ medical grant.
  • No caps on claims
  • Unlimited lifetime benefits. You can see any licensed veterinarian vet in the U.S.
  • You can see any licensed veterinarian vet in the U.S.

Prices of Healthy Paws Pet Insurance

Individual pet prices from Healthy Paws Pet Insurance is: (1) Dogs—range from $25 and $45 per month; (2) Cats—range from $15 and $35 per month.

Copyright: funlovingvolvo / 123RF Stock Photo

Trupanion Pet Insurance

Trupanion Pet Insurance has 120 review ratings that average 9.8% to 10%. Underwritten by American Pet Insurance Company, Trupanion states they will cover any injury or illness that is not pre-existing:

  • 90% paid for coverage costs
  • Award winning customer service / A+BBB
  • Fast payouts and no payout limits
  • No caps on coverage
  • No penalties for filing claims
  • Per condition deductible – excellent for chronic conditions
  • Unlimited payouts
  • Trupanion pet insurance will not raise their rates because of filed claims, or your pet ages.

You can choose the premium and deductible that fits your budget. Also, you can change this anytime you wish. If you do not like the service offered, you can cancel within the first 30 days.

Trupanion pays 60% of the claims on the day they receive them. 80% of the claims are paid within the first five days they are received. In fact, many claims will be given within 5 minutes, so you will not have to pay out-of-the-pocket expenses. What will not be paid are (1) examinations, (2) sales tax, (3) wellness care, (4) preventive care, and (5) pre-existing conditions.

Pre-existing conditions by insurance companies

Confusing to many is the term, “pre-existing condition.” If you purchase one of the best dog insurance for pets, and it does not pay for pre-existing conditions, will you purchase it? Do you think it is worth the money? Pre-existing conditions are things like an illness, specific conditions or injuries that have signs or evidence that existed 18 months before the enrollment date of the policy. It is also an injury or a reoccurring injury that has occurred before an effective insurance coverage date.

Credit: Wikipedia Commons

Chihuahuas are considered a small breed or a little breed. Health problems are dental, Legg-Perthes disease, liver shunts, and PRA. The large Great Dane has health issues such as bloat, hip dysplasia, osteosarcoma, and wobbler syndrome. Both require some form of dog insurance due to these health problems.

Nationwide Pet Insurance

Nationwide Insurance Underwriting is one of the first and largest pet insurers in the U.S. It also covers personal insurance, retirements and investing, banking. In the pet insurance department, it includes these areas:

  • Wellness/Preventative standard coverage
  • Insurers most birds and exotic pets
  • No annual/per incident limit
  • Customizable deductibles and copay
  • Covers congenital and hereditary conditions

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WayCoolDog posts originally appeared on WayCoolDogs and are re-posted with the permission of Nancy Houser of WayCoolDogs © 2009 – 2016