Finding The Best Pet Health Insurance

If you're looking for the best pet health insurance policy for your dog, chances are you have a LOT of questions. After all, there's a lot to consider!

The pet health insurance industry is a fairly new phenomenon here in the US, and although we lag behind Europe in terms of the number of owners who buy pet health insurance, more and more people are realizing the huge benefits it offers.

Veterinary costs have risen dramatically over the last decade or so, and they're projected to keep going up for some time to come. Finding best pet health insurance for your dogs' needs, and your situation, can be a life-saver (literally!).

Choosing The Best Pet Health Insurance

One of the most important things you can do is..... research! There are now quite a few pet health insurance companies, each one offering a range of different plans.

It's useful to know that there's generally no one-size-fits-all dog healthcare insurance plan. The best pet health insurance policy for your sisters' dog, may not be the best policy for YOUR dog!

A lot depends on the breed of dog you own, his/her age, his/her health, your financial situation, and sometimes the area of the country that you live in.

Purebred dogs tend to have certain health conditions that they're predisposed to developing, and Rottweilers are not one of the most economical dog breeds to own (in lots of ways) including veterinary costs.

Another very important part of choosing the best pet health insurance plan is reading the 'fine print'. You need to know EXACTLY what is covered, and what isn't, and how much you will pay in monthly premiums, how much your deductible/s will be, what the 'caps' (limits) are on the policy you're looking at, what the claims procedure is and so on.

To make the whole process easier I've put together a pet insurance comparison below. The three companies I've chosen are the ones that I personally feel offer some of the best pet health insurance options. They also offer the best affordable pet insurance plans. There is something for everyone there.

Pet Insurance Comparison Chart

	Pets Best	Embrace	QuickCare
Types of Cover	3 Levels of Comprehensive Care(accident/illness). 'Wellness' add-on available.	Comprehensive Customizable Plans (accident/illness). 'Wellness Rewards Plan'.	3 Comprehesive or Accident Only.
Reimbursement After Deductible	80% for all plans	Up to 90% depending on plan	Up to 100% depending on plan
Choice of Veterinarian (Network?)	No network. Choose any Vet or Specialist you want.	No network. Choose any Vet or Specialist you want.	No network. Choose any Vet or Specialist you want.
Limitations	No annual limits of age restrictions. Continuous lifetime coverage.	No lifetime or per-incident limits	Unlimited for accidents on all plans. Limited for illness on lowest-tier comprehensive plan.
Cost	From under $25 per month	From around $28 per month	From around $27 per month
Discounts Available	Discounts for multiple pets	Discounts for pets who are spayed/neutered and pets with microchips	Discounts for multiple pets, pets who are microchipped, and registered medical service pets
Additional Information	No coverage for: congenital conditions. Limited coverage available for: hereditary conditions and cruciate ligament injuries. Coverage available for: cancer care, some alternative therapies.	Coverage available for: congenital, genetic and breed-specific conditions. Also for cancer, chronic conditions and many alternative therapies.	Coverage available for: some alternaive treatments, plus some chronic or hereditary defects. Surcharge for 'Select Breeds' (includes Rottweilers).

The information above may change at any time, so it's important to always double-check with the Pet Health Insurance Company themselves to be sure you have the most accurate and up to date figures and information.

The Best Pet Health Insurance For Rottweilers?

Rottweilers have a tendency towards developing hip dysplasia, cruciate ligament injuries, entropian and ectropian (eyelid problems), certain cancers and kidney problems (among others).

When you're considering the best pet health insurance plan for your Rottweiler, it makes sense to try and find a plan which will cover all, or at least some, of these issues.

When you own a big dog, they tend to need 'more of' or the 'extra-large-size' of everything. That includes medications, anaesthesia etc. If your Rottie gets sick or hurt, chances are it's going to cost a fair bit to get him healthy again. This is when an affordable pet health insurance is worth it's weight in gold (even at todays' prices!).

To learn more about all the categories in the above pet insurance comparison chart and to get a better understanding of what it all means to you, the dog owner, and to your dog, check out my Health Insurance For Your Dog page. It has tons of information and tips to help you make the best possible choice.

You'll also find pointers about which questions you need to ask before you 'sign on the dotted line'. It's a 'must read' :o)

All the dog healthcare insurance companies above have websites that you can visit to find out more about them and the policies they offer. I'd recommend looking at all of them and making your own comparisons as you know exactly what you and your dog need.

You can get FREE, no obligation quotes online right from their websites too. That makes it even easier to make a good pet insurance comparison from the comfort of your own home.

Embrace Pet Health Insurance have a page on their website devoted to the specific health needs of Rottweilers, and I'd recommend checking it out here Rottweiler Pet Insurance

You'll find estimated costs for some of the most common illnesses or surgeries that Rotties face, plus information on the costs and benefits of insuring your pet.

It even offers a free guide to help you compare the policies offered by other pet health insurance companies, and of course the option of getting a free quote. There's no obligation either.

Click on any of the banners below to get learn more about the different companies. Good luck and I hope you find the perfect potential 'life-saver' for you and your Rottie.

Pet Health Insurance For Your DOg

Canine Health Issues

Ask A Vet A Question

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