Pet insurance for dogs

Dog owners make more visits to the vet than any other pet owners. Over time, dog insurance could help you save thousands of dollars in veterinary care. Pet insurance for dogs covers the regular wellness care that keeps canines healthy as well as accidents, treatment for serious diagnoses, surgeries and more.

Dog health insurance can vary, so choosing the right one for you and your pet is important. You can chat with one of our insurance agents online if you need help determining the right dog insurance plan for you. They can also help you find the right dental insurance and vision insurance plans for keeping humans healthy – your canine companion wouldn't have it any other way! Shop dog insurance plans and more at Direct Benefits.

What is Pet Insurance for Dogs?

While you do everything you can to protect your dog from harm and keep him or her at optimal health, he or she may still get sick or hurt due to unavoidable circumstances. If your dog experiences an unforeseen accident, injury, or illness, you’ll want to do anything possible, as soon as possible, to help them feel better and get back to normal. 

Depending on your pet’s condition and its severity, he or she might need medication, diagnostic exams or tests, surgery, or a hospital stay — all of which can incur sizable costs. 

Pet insurance helps to mitigate these costs, and the associated stress, for dog owners. Unlike your personal health insurance, pet insurance plans typically reimburse payments for your dog’s care, meaning you’ll pay the initial costs before submitting a claim to your insurance carrier. 

You’ll also want to get insurance as soon as possible after bringing your new pet home. If your pet becomes sick or injured and you haven’t yet purchased insurance, it’s too late and you’ll have to pay full treatment costs out of pocket.

What is Covered by Dog Insurance?

Standard dog insurance plans typically cover:

• Accidents
• Common illnesses (ear infections, vomiting)
• Chronic illnesses (arthritis, skin conditions)
• Cancer
• Heart disease
• X-rays
• Blood tests
• Emergency care
• Certain surgeries (get more information here)
• Prescription medications 
• Ongoing wellness (vaccinations, flea/heartworm)

It’s important to research different carriers’ specific policy details to understand what is covered. The right plan for you will depend on your dog’s breed and age, any pre-existing conditions, and where you live. 

Find the Right Dog Health Insurance 

Direct Benefits has a tool to help you research available pet insurance policies and coverage estimates in your area that meet the needs of both you and your furry friend. Find your plan today, run a free quote to compare coverage.

Pet insurance for cats

Cat insurance protects your cat's health and your finances. With pet insurance for cats, you can provide routine wellness care and avoid the terrible position of not being able to afford treatment for illness or injury. The right cat insurance plan allows for the professional care of your feline companion without the burden of substantial veterinary bills. Contact one of our online insurance agents if you need assistance choosing the right plan. We're here to help!

Ensure your cat has what it needs to live a long and healthy life. Shop cat insurance plans from Direct Benefits, where you can also find dental insurance and vision insurance plans. We have the coverage every family member needs to receive the care they deserve.

What is Pet Insurance for Cats?

Whether you have a brand new kitten, an elderly cat, or a pet that falls somewhere in between, insurance will give you peace of mind that they will have access to the best care possible when they become hurt or sick. At the same time, you don’t want to empty your wallet in the process. Pet insurance helps to cover or at least mitigate the costs that build up throughout your cat’s treatment. 

While even with insurance you will pay for treatment upfront, most plans will reimburse you for costs associated with veterinary visits, diagnostics and testing, surgery, pain medication, and other follow-up care. You’ll just need to submit a claim to your provider.

Time is of the essence in securing your pet insurance coverage. If your pet becomes ill or is injured in an accident and you don’t have insurance, it will already be too late to do so, and you will be responsible for all costs associated with treatment. It’s not fun to think about something bad happening to your furry companion, but being prepared will save you from additional distress in the event it does.  

What is Covered by Cat Insurance?

Cat health insurance policies will vary, but they typically cover the following:

• Accidents
• Illnesses
• Hereditary conditions
• Chronic conditions
• Cancer
• Diagnostics
• X-rays, blood tests, and ultrasounds
• Surgery
• Hospitalization
• Prescription medications
• Emergency care
  
  

Most plans do not cover pre-existing conditions or preventative care, such as vaccinations, heartworm tests, microchipping, and more, although add-on wellness plans may cover these.

The cost of your insurance plan will depend on the annual coverage you’re looking for, as well as where you live and your cat’s breed and age. Cat owners should do their research into different carriers and policies to find the right one for their pet (and their wallets!).

Find the Right Cat Health Insurance

The best insurance policy for you and your furry friend is out there — you’ve just got to find it. Browse available plans that fit a variety of needs and budgets.