Dog Insurance Plans

small white dog getting teeth inspected

You know the saying, “a dog is a man’s best friend.” Dog owners especially know this to be true.

As your best friend, it’s crucial you provide your pet with the love and care he or she needs to live a long and healthy life. Part of that care should include pet insurance for your puppy or dog. 


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.