Best Dog Insurance 2022

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As a dog owner, you want to ensure that your furry friend is always protected and that you’re not hit with unexpected vet bills. That’s where dog insurance comes in. With so many options available, it can be overwhelming to choose the best one for your pup. In this article, we’ll take a closer look at the top dog insurance providers for 2022.

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What is Dog Insurance?

Dog insurance is a type of pet insurance that helps cover the costs of veterinary care if your dog falls ill or gets injured. It typically works by reimbursing you for a portion of the costs associated with diagnosis, treatment, and medication.

There are two main types of dog insurance: accident-only and comprehensive. Accident-only insurance covers the costs of vet bills that result from accidental injuries, such as broken bones or swallowing something that they shouldn’t have. Comprehensive insurance covers accidents and illnesses, giving you complete peace of mind that your pet will be covered no matter what.

How Does Dog Insurance Work?

When you sign up for dog insurance, you’ll typically pay a monthly premium. In the event that your dog needs veterinary care, you’ll pay the bill upfront and then submit a claim to your insurance provider for reimbursement. Depending on your policy, you’ll receive a percentage of the cost back, up to a certain limit.

What Does Dog Insurance Cover?

The coverage provided by dog insurance can vary depending on which provider you choose and which policy you opt for. Generally, dog insurance policies will cover things like:

What’s Covered by Dog Insurance
Accidents and injuries
Illnesses
Surgery
Diagnostic tests
Prescription medication

The Best Dog Insurance Providers for 2022

Now that you know what dog insurance is and what it typically covers, let’s take a closer look at the top providers for 2022. We’ve based our rankings on factors like coverage, cost, and customer satisfaction.

1. Healthy Paws

Healthy Paws is consistently ranked as the best dog insurance provider, thanks to their comprehensive coverage, fast claim processing times (usually within 2 days), and excellent customer service. They cover a wide variety of illnesses and injuries, as well as hereditary and congenital conditions. They don’t have any annual or lifetime limits, which is a big plus, and they have a 99% customer satisfaction rating.

Coverage

Healthy Paws offers comprehensive coverage for accidents and illnesses. This includes:

  • Surgery and hospitalization
  • Cancer treatment
  • Hereditary and congenital conditions
  • Prescription medication
  • Diagnostics
  • Emergency care

Cost

Healthy Paws’ premiums are on the higher side, but they offer one of the best values for comprehensive coverage. A monthly premium for a young, healthy dog can be around $35-$50, depending on the level of coverage you choose.

Customer Satisfaction

Healthy Paws has a 99% customer satisfaction rating on platforms like Trustpilot and Consumer Affairs. Customers rave about their fast claim processing times, comprehensive coverage, and excellent customer service.

2. Petplan

Petplan is another excellent dog insurance provider that offers comprehensive coverage and excellent customer service. They have customizable policies that allow you to tailor your coverage to fit your dog’s needs, and they cover hereditary and congenital conditions as standard. They also have a 90% customer satisfaction rating.

Coverage

Petplan offers comprehensive coverage for accidents and illnesses, including:

  • Surgery and hospitalization
  • Cancer treatment
  • Hereditary and congenital conditions
  • Prescription medication
  • Diagnostics
  • Emergency care

Cost

Petplan’s premiums are on the higher side, but they offer excellent value for comprehensive coverage. A monthly premium for a young, healthy dog can be around $40-$60, depending on the level of coverage you choose.

Customer Satisfaction

Petplan has a 90% customer satisfaction rating on platforms like Trustpilot and Consumer Affairs. Customers appreciate their customizable policies, comprehensive coverage, and fast claim processing times.

3. Figo

Figo is a newer dog insurance provider that’s quickly making a name for itself thanks to its comprehensive coverage options and excellent customer service. They offer customizable policies that allow you to choose the level of coverage that fits your dog’s needs, and they have a 98% customer satisfaction rating.

Coverage

Figo offers comprehensive coverage for accidents and illnesses, including:

  • Surgery and hospitalization
  • Cancer treatment
  • Hereditary and congenital conditions
  • Prescription medication
  • Diagnostics
  • Emergency care

Cost

Figo’s premiums are on the higher side, but they offer excellent value for comprehensive coverage. A monthly premium for a young, healthy dog can be around $35-$60, depending on the level of coverage you choose.

Customer Satisfaction

Figo has a 98% customer satisfaction rating on platforms like Trustpilot and Consumer Affairs. Customers appreciate their comprehensive coverage options, fast claim processing times, and excellent customer service.

FAQ About Dog Insurance

1. Is dog insurance worth it?

Yes, dog insurance is worth it if you want to protect yourself from unexpected vet bills. It can save you hundreds or even thousands of dollars in the long run.

2. When should I get dog insurance?

You should get dog insurance as soon as possible, ideally when your dog is still a puppy. The earlier you get coverage, the more likely it is that your dog will be covered for any pre-existing conditions that may arise.

3. How much does dog insurance cost?

The cost of dog insurance can vary depending on factors like your dog’s breed, age, and health history. Generally, premiums can range from around $20-$100 per month.

4. What does dog insurance cover?

Dog insurance typically covers the costs of veterinary care for accidents and illnesses, including things like surgery, hospitalization, prescription medication, and diagnostics.

5. How do I choose the best dog insurance provider?

When choosing a dog insurance provider, be sure to consider factors like coverage, cost, and customer satisfaction. Look for a provider that offers comprehensive coverage for accidents and illnesses, has affordable premiums, and has a high customer satisfaction rating.

In conclusion, dog insurance is an important investment for any pet parent. Considering the high cost of veterinary care, it’s well worth the peace of mind that comes with knowing your furry friend is protected. By choosing one of the top providers for 2022, you can ensure that your dog is covered for whatever life throws their way.

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