DuckSouth.com

Just had a customer of mine call and he purchased a high dollar dog, not specifically a gun dog, and he wants to know if there is such a thing as insurance policy for a dog? I know I've seen it, but cant for the life of me remember where. Any help?

http://www.petinsurancereview.com/

Make sure he looks at the exclusions for each company. There are plenty.

aspca has a policy, and progressive has a company they write through also.

ScottyLee wrote:aspca has a policy, and progressive has a company they write through also.

They have an endorsement on thier auto policy, but I haven't heard of them offering a monoline pet policy.

are they wanting a health insurance plan for the dog? or are they looking for something like AD for the dog?

Im sure just AD.

I would think the dog is AKC registered and there are policies through AKC: http://www.akcpethealthcare.com/

i know PCI has a policy that covers certain medical issues and then it pays some for AD but i'm not sure of the amount. i have never written anything through them, just researched the policy many moons ago. sorry i don't remember all the details

anybody ever purchased a health policy for their dog? I get plenty of e-mails from akc about it and looked into it but haven't done anything. thoughts?

Jrh215 wrote:anybody ever purchased a health policy for their dog? I get plenty of e-mails from akc about it and looked into it but haven't done anything. thoughts?

Yes, I looked at them all. I went with Pet Plan. My next choice was VPI however, they have a 1 year waiting period for Cruciate tears. Which is my biggest concern. I went with the Bronze plan. Covers accidents and illnesses. Make sure you check all exclusions. And pre-existing. Some will not cover a CCL tear on the other side.

I went with Petplan. Had torn ACL and they paid as the plan promised.

The trick with exclusions is how your vet words the claim, especially for knees. "My dog was running a field trial and came up lame" may be excluded by some under the "competition event exclusion." However, "my dog was out running in a big open field and came up lame" is probably covered. I am just providing food for thought.

Yes I would never tell them how it happened. It just happened. But the pre-existing conditions is where some of them get you. One of them, I forget which one, considers a torn CCL on the right knee a pre-existing condition on the left knee. Just make sure you look at all exclusions and pre-existing conditions. Also the waiting period for coverage on certian injuries.

Pet Plan - 6 months waiting period for CCL tears. (you can get this waived with a vet exam stating knees and elbows "look" fine)

VPI - 12 month waiting period for the same thing. (no info on vet exam waiver)