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Top 10 Pet Insurance

<p>Health issues are something we don’t want to be burdened with. Both humans and pets have certain conditions that they need to be careful of developing. And although you might not want to think about it, it’s important to be informed about the different types of illnesses that commonly plague us.</p>
<p><img loading="lazy" class="aligncenter size-full wp-image-11711" src="https://tower.thetop10petinsurance.com/wp-content/uploads/2021/11/shutterstock_1478029460.jpg" alt="Vetrinar check pet" width="600" height="400" srcset="https://tower.thetop10petinsurance.com/wp-content/uploads/2021/11/shutterstock_1478029460.jpg 600w, https://tower.thetop10petinsurance.com/wp-content/uploads/2021/11/shutterstock_1478029460-768x512.jpg 768w" sizes="(max-width: 600px) 100vw, 600px" /></p>
<p>Different dog breeds suffer from different diseases and you might be surprised how common some of these conditions are. In this list, we put together ten of the most common health issues found in pet dogs. Most of these are not life-threatening but there are a few that will require more attention and advanced care.</p>
<h3>1. Cataracts</h3>
<p>Cataracts are common, especially with much older dogs. Just like in humans, cataracts severely affect a dog’s vision. These growths in the eyes are not only brought about by old age, sometimes they can develop from trauma or a disease in the eye. A dog may even have cataracts upon birth or develop within the first few weeks as a puppy.</p>
<h3>2. Ear Infections</h3>
<p>Ear infections are common especially in dogs that play outdoors a lot. Dirt, dust, grass seeds, and other foreign objects can get stuck in the dog’s ear leading to irritation and infections. If your dog is starting to paw at their ears often, perhaps it’s time to get them checked for an ear infection.</p>
<p>Veterinarians usually prescribe ear drops containing antibiotics to cure the infection. Cleaning their ears regularly is a good habit that you should start early.</p>
<div class="buttono-wrapper" style="max-width:98%;" data-partner-icon="https://tower.thetop10petinsurance.com/wp-content/uploads/2023/01/Embrace-new-logo.svg" data-partner-contact_number="844-293-0642" data-partner-real_tel="" data-partner-link="https://trkultimate.com/56fc4524-986d-4e16-a645-bb128bcacb87?gclid=" data-partner-offer_name="embrace" data-partner-offer_link="" data-partner-total_votes="" data-partner-title="{bold: Enjoy unlimited reimbursement & Get up to 90% coverage}" data-partner-editor_choice_text_desktop="Editor's Choice" data-partner-mobile_title="Get up to 90% coverage" data-partner-editor_choice_text_mobile="Editor's Choice" data-partner-slide_down_thumbnail="https://tower.thetop10petinsurance.com/wp-content/uploads/2021/12/Img-for-Pawp-Review.jpg" data-partner-slide_down_title="Rated as the Best insurance services for your pets" data-partner-slide_down_read_review="https://thetop10petinsurance.com/embrace-pet-insurance-complete-review/" data-partner-mobile_icon="https://tower.thetop10petinsurance.com/wp-content/uploads/2023/01/Embrace-new-logo.svg" data-partner-conversion_label="IkYiCMH_zIYYEMXKiKEB" data-partner-under button text="" data-partner-adoric_event="" data-partner-partner_id="87" data-partner-caption="" data-partner-number_of_reviews="" data-partner-partner_name="Embrace" data-partner-facebook_ad_event_name="" data-partner-under_button_text_font_size="0.7" data-partner-general-offer="https://trkultimate.com/56fc4524-986d-4e16-a645-bb128bcacb87?gclid=" data-style-params="backgroundColor=%23f5f5f5&buttonHoverColor=%23154b9b&borderColor=%23f5f5f5&textColor=%232d2d2d&buttonColor=%23ffffff&buttonBackgroundColor=%23185ac4" offer-id="" data-promote-image-src="https://pi1-website.s3-website-us-east-1.amazonaws.com/?p=10956" data-logo-src="https://tower.thetop10petinsurance.com/wp-content/uploads/2023/01/Embrace-new-logo.svg" data-promote-text="Plans designed with your pets in mind" data-button-text="Visit Site" data-partner-link="https://trkultimate.com/56fc4524-986d-4e16-a645-bb128bcacb87?gclid="><meta name="viewport" content="width=device-width, initial-scale=1" ><meta data-type="partner" ><div class="background-wrapper" style="background:#f5f5f5""><div class="border-wrapper" style="border-color:#f5f5f5"> <div id=66a365a86e8f9 class="buttono-content" ><div class='buttono-logo__container'><a href='https://trkultimate.com/56fc4524-986d-4e16-a645-bb128bcacb87?gclid=' target='_blank'><img src='https://tower.thetop10petinsurance.com/wp-content/uploads/2023/01/Embrace-new-logo.svg' class='buttono-logo' style='width:50px; height:44px;'></a></div> <div class="main-content"><div class='col-md-6'><a href='https://trkultimate.com/56fc4524-986d-4e16-a645-bb128bcacb87?gclid=' target='_blank' class='buttono-promote-text__container'><p class='buttono-promote-text' style='color:#2d2d2d'>Plans designed with your pets in mind</p></a></div><div class='buttono-link-container'><a href='https://trkultimate.com/56fc4524-986d-4e16-a645-bb128bcacb87?gclid=' target='_blank' style='background-color: #185ac4; color: #ffffff ' class='buttono-link'  > Visit Site</a></div></div></div><a href='https://trkultimate.com/56fc4524-986d-4e16-a645-bb128bcacb87?gclid=' target='_blank'><img class='buttono-image' src=https://pi1-website.s3-website-us-east-1.amazonaws.com/?p=10956></div></a></div></div>
<h3>3. Kennel cough</h3>
<p>Kennel cough is a condition often detected in dogs from an animal shelter, a pet accommodation, or the vet. Although the name sounds bad, kennel cough is comparable to the common cold in humans. It’s not easy to avoid especially in animal shelters or pet accommodations with more than a dozen dogs running around. The best way to recover from kennel cough is to provide your dog good food, plenty of water, and rest.</p>
<p>If the case becomes more severe, the vet may recommend antibiotics to fight it off. You can look into dog vaccinations for more details on how to prevent Kennel Cough.</p>
<h3>4. Diarrhea</h3>
<p>Diarrhea becomes a common condition due to several different reasons. Often, it will be brought about by an allergic reaction or bad food that your dog wasn’t supposed to get their paws on. In some cases, diarrhea may be more serious. It’s also a common symptom for a few serious conditions.</p>
<h3>5. Arthritis</h3>
<p>Another condition common among senior dogs is arthritis. In Australia, 1 in every 5 dogs are diagnosed with arthritis, also called osteoarthritis, at one point in life. It’s difficult to detect symptoms of arthritis in dogs. They don’t often show signs of complaint about their feeling. Often pet owners will notice that they become less active than before it takes longer for your dog to stand on their feet, more so in cold weather or in the morning.</p>
<p>Weight control, anti-arthritic drugs, and keeping your dog active with exercise, can help them overcome pain from arthritis.</p>
<p>&nbsp;</p>
<p><img loading="lazy" class="aligncenter size-full wp-image-11719" src="https://tower.thetop10petinsurance.com/wp-content/uploads/2021/11/Dog-at-the-vet-with-his-owner-and-the-doctor.jpg" alt="Dog-at-the-vet-with-his-owner-and-the-doctor" width="600" height="400" srcset="https://tower.thetop10petinsurance.com/wp-content/uploads/2021/11/Dog-at-the-vet-with-his-owner-and-the-doctor.jpg 600w, https://tower.thetop10petinsurance.com/wp-content/uploads/2021/11/Dog-at-the-vet-with-his-owner-and-the-doctor-768x512.jpg 768w" sizes="(max-width: 600px) 100vw, 600px" /></p>
<p>&nbsp;</p>
<h3>6. Fleas and ticks</h3>
<p>We’re all familiar with nasty fleas which are something that almost all dogs catch at one point in their life. With proper medication, it’s easy to get rid of fleas on dogs. You can find these products sold at your nearby pet store.</p>
<p>Ticks are a different matter and should be taken far more seriously. Certain types such as the paralysis tick commonly found in Australia’s east can cause severe health problems in dogs.</p>
<h3>7. Heartworm</h3>
<p>Heartworms were one of the most common parasites that affected dogs. However, developments in vaccines now prevent conditions occurring due to heartworms. There are still cases of heartworms that can be fatal if not given the proper treatment.</p>
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<h3>8. Obesity</h3>
<p>Obesity is another common health issue among dogs and something that isn’t given enough attention. Obese dogs have high risks of developing serious conditions including kidney disease, heart disease, arthritis, and more. If you think that your dog is becoming overweight, consult with your vet for options on how to maintain a healthier weight.</p>
<h3>9. Broken Bones</h3>
<p>Broken bones occur due to several different reasons and you might not detect them so easily. Your dog could have been hit by a vehicle while playing outside or fell from a high place accidentally. You need to look out for lumps, protruding bones, limping, and whimpers when you touch them. Your dog would avoid showing they are in pain and try to remain brave despite the pain.</p>
<h3>10. Cancer</h3>
<p>As dogs get older, many will develop a form of cancer and their bodies will start showing their age just like humans. Dogs are affected by different types of cancers like breast cancer, prostate cancer, lymphoma, and melanoma.</p>
<p>There are various cancer treatment options such as chemotherapy, radiation treatment, or surgery. Detecting cancer in its early stages is important for any type of cancer. Be on the lookout for strange spots or lumps on their eyes, ears, and skin.</p>
<p>&nbsp;</p>


Common Health Conditions among Pets

<p>The cheapest plans are not always the best for your beloved companion. We’ll tell you how to shop to find the right insurance plans for your pooch.</p>
<p>Your fur baby is more than just a pet, they’re your family. As part of your family, you want to ensure that all their needs, including their health, are met and provided. We know that vet care often comes at a high cost, most especially when you deal with an accident or a life-threatening disease. Pet insurance is one way for pet owners to lessen the financial burden when they’re met with high vet bills unexpectedly.</p>
<p><img loading="lazy" class="aligncenter size-full wp-image-11699" src="https://tower.thetop10petinsurance.com/wp-content/uploads/2021/11/shutterstock_695184616-1.jpg" alt="pet owner holding the paws of their pet" width="600" height="400" srcset="https://tower.thetop10petinsurance.com/wp-content/uploads/2021/11/shutterstock_695184616-1.jpg 600w, https://tower.thetop10petinsurance.com/wp-content/uploads/2021/11/shutterstock_695184616-1-768x512.jpg 768w" sizes="(max-width: 600px) 100vw, 600px" /></p>
<p>There are tons of pet insurance providers offering different kinds of plans. When you’re looking for the best insurance plan for your pet, it doesn’t always mean that you have to go with the cheapest plans. Here’s what you need to look out for to find the right insurance for your pet.</p>
<h2>Insurance Coverage</h2>
<p>To start with, it’s essential for all pet owners to get an understanding of the typical coverage offered by insurance plans. There are plans available that only cover accidents but many providers offer plans that cover both accidents and illnesses.</p>
<p>Accident and illness plans cover a wide range of medical conditions, both minor and major, and injuries that result from accidents. Although there may be differences between each insurance provider, you can expect an accident and illness plan to provide coverage for:</p>
<p>• X-rays, CT scans, or MRIs<br />
• Digestive problems<br />
• Toxic ingestion<br />
• Fractured bones<br />
• Allergies<br />
• Urinary tract infections<br />
• Cancer<br />
• Ear infections<br />
• Chronic conditions<br />
• Hospitalizations<br />
• Surgeries<br />
• Prescription medications<br />
• Chiropractic care</p>
<p>A lot of pet insurance providers also offer optional coverage for wellness and routine care. Keeping your furry companion healthy can be expensive from their annual vaccines to preventing ticks and fleas.</p>
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<h2>Choosing Your Coverage Limits</h2>
<p>The annual coverage limit of your plan will determine how much the insurance provider will pay each year in claims. Some providers such as Nationwide do not have limits for their plans. Other insurance companies will offer several options for coverage limits. The higher the annual limits, the higher the premiums get.</p>
<p>Let’s take Embrace Pet Insurance as an example. They offer coverage limits starting from $5,000 and up to $30,000 annually. If your claims exceed your plans’ coverage limits, you will be responsible for any expenses that go beyond that limit.</p>
<p>To find out which coverage limit is best suited for your dog, take note of the age, personality, and breed. If you have a puppy that likes to go out and play, it might be more susceptible to accidents and injuries. If you have a dog starting to age, you might be more concerned about age-related conditions like arthritis. Evaluating your dog’s illness and injury susceptibility is a good starting point in choosing a coverage limit.</p>
<h2>Insurance Deductibles</h2>
<p>You’ve heard of deductibles before since your insurance plan would have them. For pet insurance, deductibles work the same way. Deductibles are the amount that you need to pay before the policy starts to reimburse your vet expenses.</p>
<p>Several insurance providers also allow you to select your deductibles. The ASPCA’s insurance plan offers three options for deductibles &#8211; $500, $200, and $100. Most deductibles are set annually but other providers may offer a different arrangement such as Trupanion which sets per-condition deductibles.</p>
<p>If you find a per-condition deductible, you need to pay that deductible each time your dog visits the vet regarding a new condition. The per-condition deductible can be beneficial for dogs that only have one or two conditions that require vet care. But if your dog has various reasons to go to the bet, it’s better for you to get a plan with an annual deductible.</p>
<h2>Reimbursement Level Options</h2>
<p>The third factor you need to decide on is your reimbursement level which is the percentage of reimbursement when your claims are accepted. Insurance providers usually offer 70% to 90% reimbursement. If you choose a higher reimbursement level, it means you’ll have smaller out-of-pocket expenses in terms of vet bills. There are also pet insurance providers such as Figo that offer a 100% reimbursement option.</p>
<p>When you choose lower reimbursement levels, you need to ensure that you save enough money to cover an expensive condition. If you lack the financial capacity to pay for a huge portion of vet bills, you’ll more likely benefit from higher reimbursement levels. However, take note that you will need to pay higher premiums when you have a higher reimbursement percentage.</p>
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<p><img loading="lazy" class="aligncenter size-full wp-image-16173" src="https://tower.thetop10petinsurance.com/wp-content/uploads/2021/12/Img-for-figo-review.jpg" alt="Img-for-figo-review" width="600" height="400" srcset="https://tower.thetop10petinsurance.com/wp-content/uploads/2021/12/Img-for-figo-review.jpg 600w, https://tower.thetop10petinsurance.com/wp-content/uploads/2021/12/Img-for-figo-review-768x512.jpg 768w" sizes="(max-width: 600px) 100vw, 600px" /></p>
<p>&nbsp;</p>
<h2>Dog’s Breed and Cost of Insurance</h2>
<p>Another factor that affects the cost of your pet’s insurance is their breed. Heavier and bigger dogs usually have higher premiums. For dogs, the most expensive breeds in terms of insurance are Mastiffs, Dalmatians, pit bulls, Bulldogs, and Dobermans.</p>
<h2>Tips for Pet Owners</h2>
<p><strong>Find a trustworthy company</strong></p>
<p>There are several new companies that offer pet insurance. Make sure that you sign up with a provider with a solid track record that you can trust. You want a provider that can make sure your pet’s healthcare needs are taken care of.</p>
<p><strong>Shop around</strong></p>
<p>It will only take you a couple of minutes to get a quote for your pet. Once you have an idea of what type of plan you need and companies that you find trustworthy, get quotes from your choices to find which one suits your pet the best.</p>
<div class="buttono-wrapper" style="max-width:98%;" data-partner-icon="https://tower.thetop10petinsurance.com/wp-content/uploads/2022/08/Fetch-new-logo.svg" data-partner-contact_number="Fetch" data-partner-real_tel="" data-partner-link="https://www.fetchpet.com/mypet?utm_source=spotower&utm_medium=affiliate&utm_campaign=spotower_thetop10&c=SPOTOWER0&p=SpoTower&subid=" data-partner-offer_name="fetch" data-partner-offer_link="http://www.fetchpet.com/mypet?utm_source=spotower_thetop10&utm_medium=affiliate&utm_campaign=SpoTower_cpc&c=SPOTOWER10&p=SpoTower&subid=&offer_id=224&offer_name=Fetch+-+Spotower" data-partner-total_votes="" data-partner-under button text="" data-partner-title="{bold: Flexible plan options with most comprehensive coverage}" data-partner-editor_choice_text_desktop="Editor's Choice" data-partner-mobile_icon="https://tower.thetop10petinsurance.com/wp-content/uploads/2022/08/Fetch-new-logo.svg" data-partner-mobile_title="The most comprehensive pet insurance and health advice" data-partner-editor_choice_text_mobile="Editor's Choice" data-partner-slide_down_thumbnail="https://tower.thetop10petinsurance.com/wp-content/uploads/2021/12/Img-for-figo-review.jpg" data-partner-slide_down_title="Fetch can help you say ‘yes’ to the best care." data-partner-slide_down_read_review="" data-partner-conversion_label="g7PxCJXxw8YDEMXKiKEB" data-partner-adoric_event="" data-partner-partner_id="192" data-partner-caption="" data-partner-number_of_reviews="" data-partner-partner_name="Fetch" data-partner-facebook_ad_event_name="" data-partner-under_button_text_font_size="0.7" data-partner-general-offer="https://www.fetchpet.com/mypet?utm_source=spotower&utm_medium=affiliate&utm_campaign=spotower_thetop10&c=SPOTOWER0&p=SpoTower&subid=" data-style-params="backgroundColor=%23f5f5f5&buttonHoverColor=%23154b9b&borderColor=%23f5f5f5&textColor=%232d2d2d&buttonColor=%23ffffff&buttonBackgroundColor=%23185ac4" offer-id="224" data-promote-image-src="https://pi1-website.s3-website-us-east-1.amazonaws.com/?p=10952" data-logo-src="https://tower.thetop10petinsurance.com/wp-content/uploads/2022/08/Fetch-new-logo.svg" data-promote-text="Comprehensive Pet Insurance" data-button-text="Visit Site" data-partner-link="https://www.fetchpet.com/mypet?utm_source=spotower&utm_medium=affiliate&utm_campaign=spotower_thetop10&c=SPOTOWER0&p=SpoTower&subid="><meta name="viewport" content="width=device-width, initial-scale=1" ><meta data-type="partner" ><div class="background-wrapper" style="background:#f5f5f5""><div class="border-wrapper" style="border-color:#f5f5f5"> <div id=66a365a873a5a class="buttono-content" ><div class='buttono-logo__container'><a href='https://www.fetchpet.com/mypet?utm_source=spotower&utm_medium=affiliate&utm_campaign=spotower_thetop10&c=SPOTOWER0&p=SpoTower&subid=' target='_blank'><img src='https://tower.thetop10petinsurance.com/wp-content/uploads/2022/08/Fetch-new-logo.svg' class='buttono-logo' style='width:50px; height:44px;'></a></div> <div class="main-content"><div class='col-md-6'><a href='https://www.fetchpet.com/mypet?utm_source=spotower&utm_medium=affiliate&utm_campaign=spotower_thetop10&c=SPOTOWER0&p=SpoTower&subid=' target='_blank' class='buttono-promote-text__container'><p class='buttono-promote-text' style='color:#2d2d2d'>Comprehensive Pet Insurance</p></a></div><div class='buttono-link-container'><a href='https://www.fetchpet.com/mypet?utm_source=spotower&utm_medium=affiliate&utm_campaign=spotower_thetop10&c=SPOTOWER0&p=SpoTower&subid=' target='_blank' style='background-color: #185ac4; color: #ffffff ' class='buttono-link'  > Visit Site</a></div></div></div><a href='https://www.fetchpet.com/mypet?utm_source=spotower&utm_medium=affiliate&utm_campaign=spotower_thetop10&c=SPOTOWER0&p=SpoTower&subid=' target='_blank'><img class='buttono-image' src=https://pi1-website.s3-website-us-east-1.amazonaws.com/?p=10952></div></a></div></div>
<p><strong>Consider your dog’s habits and lifestyle</strong></p>
<p>If your dog is active and regularly goes outside, they have a higher chance of sustaining an injury. When such a case occurs, you might wish that you opted for the maximum coverage instead.</p>
<p><strong>Take note of waiting periods</strong></p>
<p>Every insurance plan has a waiting period before its coverage starts. Waiting periods vary for each provider and also by the plan. Normally, there are different waiting periods for accidents and illnesses. Choosing a company with shorter waiting periods is advantageous since you can never guess when your pet will fall sick or get into an accident.</p>
<p>There are also extended waiting periods for certain conditions such as hip dysplasia. It’s best if you find an insurance provider that does not have extended waiting periods.</p>
<p><strong>Look for providers with 24/7 hotlines</strong></p>
<p>Some insurance providers step up their game by offering a 24/7 vet hotline. You can get access to a licensed vet any time of day which proves worth the money when your pet starts to feel unwell in the middle of the night.</p>
<p><strong>Think about your budget</strong></p>
<p>Choose an insurance plan that you can commit to given your current financial capability. You don’t want to pay premiums on a plan that you’ll, later on, drop because you can no longer afford it. Determine how much you want to spend and how much the policy covers. Insurance providers offer different options for reimbursement levels and deductibles so you will likely find one that fits your budget. It’s important that you select an insurance plan that you can afford to pay for in the long term. When you select a plan with higher deductibles and lower reimbursement levels, you can get lower monthly premiums.</p>
<p>You should also search for a plan that covers exam fees. Some providers will cover exam fees for accidents and illnesses while others will cover the treatment only.</p>
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<p><strong>Look for discounts</strong></p>
<p>When you have several pets at home, look for providers that offer discounts when you enroll multiple pets in an insurance plan.</p>


Finding The Best Insurance Plan For Your Dogs

<p>The technology for veterinary medicine becomes more advanced as time goes on which affects the cost of veterinary care. The more advanced training, facilities, and equipment needed to provide high-quality care bring the costs higher. A pet insurance plan can help pet owners offset a huge chunk of the costs of diagnosis, treatment, and management of a pet’s injury or illness.</p>
<p><img loading="lazy" class="aligncenter size-full wp-image-11713" src="https://tower.thetop10petinsurance.com/wp-content/uploads/2021/11/shutterstock_1652037688.jpg" alt="Cat" width="600" height="400" srcset="https://tower.thetop10petinsurance.com/wp-content/uploads/2021/11/shutterstock_1652037688.jpg 600w, https://tower.thetop10petinsurance.com/wp-content/uploads/2021/11/shutterstock_1652037688-768x512.jpg 768w" sizes="(max-width: 600px) 100vw, 600px" /></p>
<p>There is no formula or template that will determine if you should get pet insurance. It’s important that you discuss this with a veterinarian and do your research regarding your options. There are several important provisions that must be considered for pet insurance according to the American Veterinary Medical Association.</p>
<p>The following are some of the basic points:</p>
<ul>
<li>As part of the veterinarian-client-patient relationship, the veterinarian should monitor the health of the pet regardless of the pet insurance provider.</li>
<li>The insurance provider should lay out details in a clear manner which include exclusions and limitations on routine and wellness care, emergency treatment, and conditions that need extensive care. Pet owners should also aim to find out how insurance premiums increase when they make a claim or when their pet starts to age.</li>
<li>Find out if there are any additional options you can purchase to get coverage for specific needs such as travel insurance and dental care.</li>
<li>Determine how the insurance provider defines pre-existing conditions which include conditions and illnesses that your pet has been diagnosed with now or before you signed up for the plan.</li>
<li>Some insurance providers exclude certain types of pets or breeds or they may place a limit on how many pets you can enroll in an insurance plan, especially if the breed or type of pet is high risk.</li>
<li>Some insurance providers will offer discounts if you enroll multiple pets.</li>
<li>The provider should explain clearly all charges such as deductibles, co-pays, add-on fees, and more so that you completely understand the policy you’re getting as well as the limitations to the coverage.</li>
<li>You should have the option to select the veterinarian responsible for your pet’s medical care.</li>
<li>In general, pet insurance plans are reimbursement plans. You pay the vet for their service and then you get a reimbursement from your insurance provider. Ask your provider how they process claims as well as the expected timeframe for reimbursements. If you’re worried about huge expenses that you need to pay upfront, ask your vet if they have flexible payment options so that you can arrange your finances when the time comes. It’s better to get an idea about the available options so you don’t have to panic over payment arrangements when an emergency occurs.</li>
</ul>
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<h2>Pet Insurance Companies</h2>
<p>Veterinarians can provide you some recommendations according to their experience but the final decision is still up to you. Whether you choose to enroll your pet in an insurance plan, the type of coverage you get, or which provider you sign up with is your decision. Several consumer websites allow you to easily compare coverage options, costs, and reviews to help you decide. This list of pet insurance providers, arranged alphabetically, should be a good starting point for your research. We do not recommend or endorse any of these companies.</p>


Do You Need To Buy Pet Insurance?

<p>Buying pet insurance saves you from the pain and hassle of paying unexpected veterinary bills. It lets you have more time to focus on getting immediate and necessary medical attention for your pets, whether it is a dog, a cat, or whatsoever, and so also saving you from stress and anxiety. But beware, quickly jumping in to buy a pet insurance plan without first understanding the terms might get you into an unexpected problem later on and also cost you time and money.</p>
<p><img loading="lazy" class="aligncenter size-full wp-image-16196" src="https://tower.thetop10petinsurance.com/wp-content/uploads/2021/12/Img-for-Pawp-Review.jpg" alt="Img-for-Pawp-Review" width="597" height="400" srcset="https://tower.thetop10petinsurance.com/wp-content/uploads/2021/12/Img-for-Pawp-Review.jpg 597w, https://tower.thetop10petinsurance.com/wp-content/uploads/2021/12/Img-for-Pawp-Review-768x514.jpg 768w" sizes="(max-width: 597px) 100vw, 597px" /></p>
<p>Insurance plans for your beloved pets vary in many different aspects. From things they do and do not cover, and even things as basic as deductibles, are different for every plan, so be sure to do enough research before availing one. Aside from browsing for cute photos of kittens and puppies, let us dig deeper into the policy details to find the perfect pet insurance plan for you.</p>
<p>To help you out, here are some of the key points to consider in choosing a pet insurance plan.</p>
<h2>Rules for Enrollment</h2>
<p>Pets that are young and healthy will surely be qualified in every plan. However, some plans will not allow you to enroll your older pets. In general, the minimum age for a pet such as a kitten or a puppy before you are allowed to enroll them in any pet insurance plan is 6 to 10 weeks old, but also be sure to ask your insurer. On the other hand, the maximum age limit for pets to be enrolled for the first time in many pet insurance plans is 10 to 14 years, though some plans do not have any maximum age limit. Once you finally enrolled your pet, most pet insurance plans will offer you lifelong coverage given that you continue to pay the premiums.</p>
<p>Your pet seeing a vet in the past year or requiring your pet to undergo certain exams may also be necessary before you are eligible to avail of their plans.</p>
<h2>Covered Incidents and Treatments</h2>
<p>On types of incidents covered, some companies may offer only accident plans while others may offer plans that cover both illness and accidents.</p>
<p>Covering treatment for injuries caused by incidents such as poisoning or car accident is what an accident-only plan is made for. Your dog or cat getting sick and needing medical attention, however, is not the problem of the company if you avail an accident-only plan.</p>
<p>On treatments covered, the following are areas different plans may or may not cover.</p>
<p>• Behavioral and alternative treatment<br />
• Continual treatment<br />
• Examination fees<br />
• Wellness care and routine</p>
<div class="buttono-wrapper" style="max-width:98%;" data-partner-icon="https://tower.thetop10petinsurance.com/wp-content/uploads/2023/01/Embrace-new-logo.svg" data-partner-contact_number="844-293-0642" data-partner-real_tel="" data-partner-link="https://trkultimate.com/56fc4524-986d-4e16-a645-bb128bcacb87?gclid=" data-partner-offer_name="embrace" data-partner-offer_link="" data-partner-total_votes="" data-partner-title="{bold: Enjoy unlimited reimbursement & Get up to 90% coverage}" data-partner-editor_choice_text_desktop="Editor's Choice" data-partner-mobile_title="Get up to 90% coverage" data-partner-editor_choice_text_mobile="Editor's Choice" data-partner-slide_down_thumbnail="https://tower.thetop10petinsurance.com/wp-content/uploads/2021/12/Img-for-Pawp-Review.jpg" data-partner-slide_down_title="Rated as the Best insurance services for your pets" data-partner-slide_down_read_review="https://thetop10petinsurance.com/embrace-pet-insurance-complete-review/" data-partner-mobile_icon="https://tower.thetop10petinsurance.com/wp-content/uploads/2023/01/Embrace-new-logo.svg" data-partner-conversion_label="IkYiCMH_zIYYEMXKiKEB" data-partner-under button text="" data-partner-adoric_event="" data-partner-partner_id="87" data-partner-caption="" data-partner-number_of_reviews="" data-partner-partner_name="Embrace" data-partner-facebook_ad_event_name="" data-partner-under_button_text_font_size="0.7" data-partner-general-offer="https://trkultimate.com/56fc4524-986d-4e16-a645-bb128bcacb87?gclid=" data-style-params="backgroundColor=%23f5f5f5&buttonHoverColor=%23154b9b&borderColor=%23f5f5f5&textColor=%232d2d2d&buttonColor=%23ffffff&buttonBackgroundColor=%23185ac4" offer-id="" data-promote-image-src="https://pi1-website.s3-website-us-east-1.amazonaws.com/?p=10932" data-logo-src="https://tower.thetop10petinsurance.com/wp-content/uploads/2023/01/Embrace-new-logo.svg" data-promote-text="Plans designed with your pets in mind" data-button-text="Visit Site" data-partner-link="https://trkultimate.com/56fc4524-986d-4e16-a645-bb128bcacb87?gclid="><meta name="viewport" content="width=device-width, initial-scale=1" ><meta data-type="partner" ><div class="background-wrapper" style="background:#f5f5f5""><div class="border-wrapper" style="border-color:#f5f5f5"> <div id=66a365a877147 class="buttono-content" ><div class='buttono-logo__container'><a href='https://trkultimate.com/56fc4524-986d-4e16-a645-bb128bcacb87?gclid=' target='_blank'><img src='https://tower.thetop10petinsurance.com/wp-content/uploads/2023/01/Embrace-new-logo.svg' class='buttono-logo' style='width:50px; height:44px;'></a></div> <div class="main-content"><div class='col-md-6'><a href='https://trkultimate.com/56fc4524-986d-4e16-a645-bb128bcacb87?gclid=' target='_blank' class='buttono-promote-text__container'><p class='buttono-promote-text' style='color:#2d2d2d'>Plans designed with your pets in mind</p></a></div><div class='buttono-link-container'><a href='https://trkultimate.com/56fc4524-986d-4e16-a645-bb128bcacb87?gclid=' target='_blank' style='background-color: #185ac4; color: #ffffff ' class='buttono-link'  > Visit Site</a></div></div></div><a href='https://trkultimate.com/56fc4524-986d-4e16-a645-bb128bcacb87?gclid=' target='_blank'><img class='buttono-image' src=https://pi1-website.s3-website-us-east-1.amazonaws.com/?p=10932></div></a></div></div>
<h2>Payout Limit and Deductibles</h2>
<p>Most pet insurance plans have maximum payouts, but some do not even cap the amount they will be paying for a treatment covered by their plans. We suggest that you read thoroughly the policy language for this very important part. Payout limits per year, for the whole life of your pet, or different conditions or incidents may be present. Different combinations of caps may also be present on different plans.</p>
<p>Deductibles, on the other hand, and for some who are not familiar, is the amount of money you pay using your pocket prior to the pet insurance company starts paying. Some pet insurance plans apply the deductibles annually. After you have paid the amount deductible for covered treatments, you will get a reimbursement from the plan. Renewing the plan or policy yearly will also reset the deductible.</p>
<p>A deductible applied per incident may also be part of some plans. As you pay the deductible for the treatment of a certain illness or injury, the plan provides you a reimbursement up to the limits of the policy, even in succeeding years of the plan. However, this also has its downside. If your pet enrolled in this plan develops different conditions within the same year requiring medical attention, paying the deductibles for each of your pet&#8217;s conditions might be a bit heavy.</p>
<h2>Pre-existing Conditions and Other Possible Exclusions</h2>
<p>Pre-existing conditions, in general, are not covered by pet insurance plans although the definition of the word &#8220;pre-existing&#8221; has quite a lot of variations. In the most widely used definition, such a condition is a form of a medical issue already present in your pet before you availed of your plan. However, there are also pet insurance plans that cover past conditions that have been successfully cured over a certain period.</p>
<p>Aside from pre-existing conditions, some specific illnesses and medical conditions may also be excluded from the coverage of certain pet insurance plans.</p>
<h2>Waiting Period</h2>
<p>There is a waiting period for every pet insurance plan after you sign up before you enjoy their coverage.</p>
<p>One or two days after signing up is the typical waiting period before the company will start covering injuries from accidents. For illnesses, the waiting period after signing up is generally longer. It may last around 2 weeks or longer.</p>
<p>Orthopedic problems may also have a waiting period from several months to a year, you should take note. Therefore, if your pet requires orthopedic treatment during this long waiting period, the plan won&#8217;t pay a cent.</p>
<p><img loading="lazy" class="aligncenter size-full wp-image-16202" src="https://tower.thetop10petinsurance.com/wp-content/uploads/2021/12/Img-for-Pets-Best-Review-.jpg" alt="Img-for-Pets-Best-Review-" width="597" height="400" srcset="https://tower.thetop10petinsurance.com/wp-content/uploads/2021/12/Img-for-Pets-Best-Review-.jpg 597w, https://tower.thetop10petinsurance.com/wp-content/uploads/2021/12/Img-for-Pets-Best-Review--768x514.jpg 768w" sizes="(max-width: 597px) 100vw, 597px" /></p>
<h2>Reimbursement Levels and Pricing</h2>
<p>A percentage of the treatment cost is reimbursed to you by your pet insurance plan. The level or percentage of which is chosen by you as the buyer.</p>
<p>Make sure to read every bit of detail on how reimbursement works. There may be some pet insurance plans that reimburse you a percentage of the bills from the vet. Other plans may reimburse you a percentage of the treatment&#8217;s &#8220;usual and customary charges&#8221;. Any amount that is already above that percentage is your responsibility to pay for.</p>
<p>Talk about pricing, $433 is the average cost of the annual premium for a pet insurance plan or policy in 2014, as per the North American Pet Health Insurance Association. $154 is the average premium annually for most accident-only plans.</p>
<p>The basis for pet insurance pricing:</p>
<p>• Age and breed of your pet(s)<br />
• ZIP code<br />
• Type of coverage and amount<br />
• Level of reimbursement and deductible<br />
• Insurance company</p>
<div class="buttono-wrapper" style="max-width:98%;" data-partner-icon="https://tower.thetop10petinsurance.com/wp-content/uploads/2022/08/Fetch-new-logo.svg" data-partner-contact_number="Fetch" data-partner-real_tel="" data-partner-link="https://www.fetchpet.com/mypet?utm_source=spotower&utm_medium=affiliate&utm_campaign=spotower_thetop10&c=SPOTOWER0&p=SpoTower&subid=" data-partner-offer_name="fetch" data-partner-offer_link="http://www.fetchpet.com/mypet?utm_source=spotower_thetop10&utm_medium=affiliate&utm_campaign=SpoTower_cpc&c=SPOTOWER10&p=SpoTower&subid=&offer_id=224&offer_name=Fetch+-+Spotower" data-partner-total_votes="" data-partner-under button text="" data-partner-title="{bold: Flexible plan options with most comprehensive coverage}" data-partner-editor_choice_text_desktop="Editor's Choice" data-partner-mobile_icon="https://tower.thetop10petinsurance.com/wp-content/uploads/2022/08/Fetch-new-logo.svg" data-partner-mobile_title="The most comprehensive pet insurance and health advice" data-partner-editor_choice_text_mobile="Editor's Choice" data-partner-slide_down_thumbnail="https://tower.thetop10petinsurance.com/wp-content/uploads/2021/12/Img-for-figo-review.jpg" data-partner-slide_down_title="Fetch can help you say ‘yes’ to the best care." data-partner-slide_down_read_review="" data-partner-conversion_label="g7PxCJXxw8YDEMXKiKEB" data-partner-adoric_event="" data-partner-partner_id="192" data-partner-caption="" data-partner-number_of_reviews="" data-partner-partner_name="Fetch" data-partner-facebook_ad_event_name="" data-partner-under_button_text_font_size="0.7" data-partner-general-offer="https://www.fetchpet.com/mypet?utm_source=spotower&utm_medium=affiliate&utm_campaign=spotower_thetop10&c=SPOTOWER0&p=SpoTower&subid=" data-style-params="backgroundColor=%23f5f5f5&buttonHoverColor=%23154b9b&borderColor=%23f5f5f5&textColor=%232d2d2d&buttonColor=%23ffffff&buttonBackgroundColor=%23185ac4" offer-id="224" data-promote-image-src="https://pi1-website.s3-website-us-east-1.amazonaws.com/?p=10932" data-logo-src="https://tower.thetop10petinsurance.com/wp-content/uploads/2022/08/Fetch-new-logo.svg" data-promote-text="Comprehensive Pet Insurance" data-button-text="Visit Site" data-partner-link="https://www.fetchpet.com/mypet?utm_source=spotower&utm_medium=affiliate&utm_campaign=spotower_thetop10&c=SPOTOWER0&p=SpoTower&subid="><meta name="viewport" content="width=device-width, initial-scale=1" ><meta data-type="partner" ><div class="background-wrapper" style="background:#f5f5f5""><div class="border-wrapper" style="border-color:#f5f5f5"> <div id=66a365a877850 class="buttono-content" ><div class='buttono-logo__container'><a href='https://www.fetchpet.com/mypet?utm_source=spotower&utm_medium=affiliate&utm_campaign=spotower_thetop10&c=SPOTOWER0&p=SpoTower&subid=' target='_blank'><img src='https://tower.thetop10petinsurance.com/wp-content/uploads/2022/08/Fetch-new-logo.svg' class='buttono-logo' style='width:50px; height:44px;'></a></div> <div class="main-content"><div class='col-md-6'><a href='https://www.fetchpet.com/mypet?utm_source=spotower&utm_medium=affiliate&utm_campaign=spotower_thetop10&c=SPOTOWER0&p=SpoTower&subid=' target='_blank' class='buttono-promote-text__container'><p class='buttono-promote-text' style='color:#2d2d2d'>Comprehensive Pet Insurance</p></a></div><div class='buttono-link-container'><a href='https://www.fetchpet.com/mypet?utm_source=spotower&utm_medium=affiliate&utm_campaign=spotower_thetop10&c=SPOTOWER0&p=SpoTower&subid=' target='_blank' style='background-color: #185ac4; color: #ffffff ' class='buttono-link'  > Visit Site</a></div></div></div><a href='https://www.fetchpet.com/mypet?utm_source=spotower&utm_medium=affiliate&utm_campaign=spotower_thetop10&c=SPOTOWER0&p=SpoTower&subid=' target='_blank'><img class='buttono-image' src=https://pi1-website.s3-website-us-east-1.amazonaws.com/?p=10932></div></a></div></div>
<h2>The Next Move</h2>
<p>Decide upon the amount and type of coverage your pet needs and after which, you then have to obtain quotes from companies for pet insurance. Compare each plan’s prices, annual payout limits, and deductibles. Finally, before purchasing, make sure to understand every piece of information provided to ensure that you did not miss anything.</p>


What To Consider Before Buying One?

How To Look For Insurance Options

Pet Insurance: Is it worth your money?

<p>More pets are enjoying healthier and longer lives thanks to higher quality and nutritional products and the constant development of veterinary practices. The cost of having your own pet is not a joke. Expenses can quickly add up if you include basics such as food, hygiene, and veterinary care plus toys and accessories.</p>
<p><img loading="lazy" class="aligncenter size-full wp-image-11709" src="https://tower.thetop10petinsurance.com/wp-content/uploads/2021/11/shutterstock_582115876.jpg" alt="Owner hug his dog" width="600" height="400" srcset="https://tower.thetop10petinsurance.com/wp-content/uploads/2021/11/shutterstock_582115876.jpg 600w, https://tower.thetop10petinsurance.com/wp-content/uploads/2021/11/shutterstock_582115876-768x512.jpg 768w" sizes="(max-width: 600px) 100vw, 600px" /></p>
<p>A lot of people believe that pets are just as important as any family member. Just like humans, your pets can fall victim to an illness or an accident that you might not be prepared for. With a pet insurance policy, you can have greater confidence in terms of maintaining your pet’s health. When it comes to the unexpected, you don’t have to scramble for funds to pay the upfront costs for your pet’s veterinary care.</p>
<p>When looking for the best policy, here are eight tips you should consider.</p>
<h2>1. Shop around and compare providers</h2>
<p>Before signing any document, research companies and providers you’re interested in. There are resources that can help you compare available plans, monthly premiums, deductibles, reimbursement models, coverage limits and exclusions.</p>
<h2>2. Look into the company’s reputation</h2>
<p>For every big purchase, you would only select brands or providers that are tried and tested and have established a solid reputation. This should also apply to your pets.  While you’re researching available plans and prices, you should also look into the company’s track record. Do they have excellent ratings for financial stability and experience? How long have they been providing services? Do they have teams of experts in veterinary care to help craft their policies?</p>
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<h2>3. Research the policy coverage and how it might change</h2>
<p>Most pet insurance providers have a list of exclusions for their policies. Often, these include hereditary, pre-existing, or congenital conditions specific to a breed. There might be certain restrictions applicable when filing a claim.</p>
<p>Before you sign up for a policy, make sure that you thoroughly understand the coverage of your policy and how certain factors can affect it. If there are chances that your pet’s breed or pre-existing condition could affect policy coverage, ask your provider how your premiums will change specifically. You should also confirm if the number of claims you file has an effect on your premiums. If the terms of the policy are difficult to understand, ask a customer service representative to break it down for you.</p>
<h2>4. Get coverage that fits your needs</h2>
<p>Are you looking for a plan that covers medical care, routine care, or combination of both? Take a look at your pet’s medical records and see which services you want to prioritize for coverage. Insurance providers will offer different types of plans that can be customized according to your needs.</p>
<p>You should also talk to your pet’s veterinarian and figure out what medical conditions your pet could be at risk of. It may be related to the breed or the family tree. If you want to be fully prepared for emergencies and unexpected medical conditions, now is the perfect time to look into insurance coverage for your pets. When your pet gets older or start developing symptoms for a certain illness, you will find yourself paying higher premiums or getting rejected for coverage because of pre-existing conditions.</p>
<h2>5. Choose a convenient reimbursement plan</h2>
<p>There are two reimbursement methods insurance providers use. One is to calculate a given percentage of the invoice; another is to provide a benefit allowance annually.</p>
<p>Invoice is the itemized record of the services that you received from your pet’s veterinarian. If you choose the invoice percentage method, you’ll receive a reimbursement for a portion of your upfront veterinary costs. For instance, the insurance plan will reimburse 90% of covered costs minus the annual deductible.</p>
<p>If you choose an annual benefit allowance, you’ll receive a list of all items covered by your policy with an amount allotted for reimbursement. These are renewed every year. Your reimbursement amounts may also be affected by factors such as choosing an annual deductible or per-incident deductible.</p>
<p><img loading="lazy" class="aligncenter size-full wp-image-11703" src="https://tower.thetop10petinsurance.com/wp-content/uploads/2021/11/shutterstock_51431005.jpg" alt="pet owner holding the paws of their pet" width="600" height="400" srcset="https://tower.thetop10petinsurance.com/wp-content/uploads/2021/11/shutterstock_51431005.jpg 600w, https://tower.thetop10petinsurance.com/wp-content/uploads/2021/11/shutterstock_51431005-768x512.jpg 768w" sizes="(max-width: 600px) 100vw, 600px" /></p>
<h2>6. Do the math for cost-effectiveness</h2>
<p>Just because you see something cheap doesn’t mean you should get it. Low premiums but with limited coverage that doesn’t do anything for your pets will be a waste of money. Do you want comprehensive care coverage or an accident-only plan?</p>
<p>The monthly premiums and reimbursement will change depending on the coverage and deductible that you select. If you select a per-incident deductible, it will be applied to each incident and can lower the monthly premium. Lower annual deductible entails a higher premium and a higher annual deductible means a lower premium. This is why deductibles become important when weighing your options.</p>
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<h2>7. Enroll pets while they’re healthy and young</h2>
<p>As mentioned earlier, it’s important that you get an insurance policy for your pets while they’re still healthy and young. You will avoid limitations because of pre-existing conditions that are more common among older pets and minimize the cost of your insurance plan. Similar to humans, insurance premiums can also increase with the policyholder’s age.</p>
<h2>8. Look for discount codes</h2>
<p>Don’t be shy about asking for discounts. We all want to save a few extra bucks for every purchase we make. It might not be advertised, but ask your agent if the provider is currently offering discounts. Some insurance providers will over discounts if you enroll multiple pets in an insurance plan. You can also check with your employer if the provide a pet insurance benefit.</p>


8 Tips for Choosing the best Pet Insurance for your Pet

<p>Pets are part of the family. Just like any family member, pets can fall ill or get injured, and you’re the one responsible for damages caused by your pet. Fortunately, there are several insurance plans that can help alleviate the financial burden on your family when an emergency occurs.</p>
<p><img loading="lazy" class="aligncenter size-full wp-image-11701" src="https://tower.thetop10petinsurance.com/wp-content/uploads/2021/11/shutterstock_1690835497-1.jpg" alt="Puppy with his owner" width="600" height="400" srcset="https://tower.thetop10petinsurance.com/wp-content/uploads/2021/11/shutterstock_1690835497-1.jpg 600w, https://tower.thetop10petinsurance.com/wp-content/uploads/2021/11/shutterstock_1690835497-1-768x512.jpg 768w" sizes="(max-width: 600px) 100vw, 600px" /></p>
<h2>Health Insurance for Pets</h2>
<p>If you have dogs, cats, or other types of pets at home, you’re likely to pay regular visits to a veterinarian. And we know that vet visits can be expensive especially if you’re dealing with a serious illness or an emergency that requires several tests or even surgery.</p>
<p>Pet insurance is just like health insurance for people. Both have annual or monthly premiums, co-pays, coverage limits, and deductibles. There are insurance plans offered for almost all types of pets such as dogs, cats, reptiles, rabbits, exotic birds, ferrets, potbelly pigs, and rodents.</p>
<p>The cost of an insurance plan usually depends on the pet’s health, age, and level of care selected. More senior animals usually have higher costs of coverage and there are companies that set age limits. Pre-existing conditions are also often excluded from coverage and breeds prone to hereditary conditions may be excluded by certain providers.</p>
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<h2>Three Levels of Coverage</h2>
<p><strong>1. Basic</strong></p>
<p>Basic coverage is the cheapest option. This has the lowest reimbursement levels for treatments and will cover poisoning, illnesses, and injuries from accidents. Basic insurance plans usually have an annual deductible, reimbursement caps per illness or accident, and term reimbursement limits as well.</p>
<p><strong>2. Comprehensive</strong></p>
<p>Comprehensive coverage is more expensive but offers more coverage and benefits such as reimbursement for emergencies, illnesses, and accident-related injuries, vet fees, diagnostic exams, prescription medicines, X-ray, and laboratory fees. Comprehensive plans usually have lower deductibles but will also have caps on reimbursements per illness and accident and term reimbursements.</p>
<p><strong>3. Wellness Care</strong></p>
<p>Pet well care will provide coverage for preventive care which includes vaccinations, physical exams, and heartworm and flea prevention. Although well care protection has no deductible, other medical services might have a nominal deductible.</p>
<p>When looking for an insurance plan, you might discover vet discount plans. Rather than an insurance plan, these are actually membership-based services. If you have a veterinary discount plan, you pay a monthly fee and you get lower rates on services, prescriptions, medical procedures, and products offered as long as you got a vet who participates in such plan.</p>
<p>Although a discount may be helpful when an emergency or costly illness develops, you still have to pay more out-of-pocket compared to when you have pet insurance. Veterinary discounts plans are also not regulated, unlike pet insurance.</p>
<h2>Theft and Life Insurance</h2>
<p>Theft and life insurance protect extremely valuable animals. This is usually purchased by owners of police dogs and pets that participate in competitions as well as zoos. This type of insurance offers reimbursement if an animal gets stolen and death benefit if the animal dies while in transport or during other covered situations.</p>
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<h2>Protection Provided by General Insurance</h2>
<p>Some homeowner’s insurance policies offer protection that covers pets. For instance, liability protection is applicable if your dog causes a neighbor an injury and you get sued. Liability protection can be used to help when you need to defend yourself in court.</p>
<p>Take note that many policies will not cover dogs with a history of aggressiveness and biting. Many homeowners’ associations will have restrictions on the dog breeds that are considered dangerous. More and more communities are requiring owners of such breeds to have additional liability coverage.</p>
<p>Personal property protection covers items that are considered owned by the dog. Some pet owners give their pets lavish accessories and clothes. If Bella’s favorite crystal necklace gets lost, stolen, or damage, that’s covered under the personal property section.</p>
