It isn’t an easy task looking for the best dog insurance, especially when we’re living in an era of suing. Where do you begin? I believe, it’s not about finding the cheapest deal, but about the best deal! It’s a fact that some dogs are more prone to illnesses than others. Furthermore, some dogs can be more of handful or even a little aggressive. These days it only takes a dog to nip to find yourself in legal proceedings.
If you’re uncertain of their line or where they’ve come from, then the best dog insurance will be beneficial and most definitely essential. Some dogs come from a very good line, whereby their genetics are thoroughly investigated. Often these dogs rarely have severe illnesses. If you are uncertain about your dogs background contact your dog breeder.
The best thing about having dog insurance is that it will give you peace of mind. If your dog breaks a leg, your insurance will cover it.
Having no money to fix your dogs broken leg could result in euthanasia. Insurance gives us dog owners surety and will prevent any animal having to be euthanized.
Have you ever wondered what questions to ask dog breeders? Here is an opportunity to understand what to ask and to gain some tips before buying a dog in this article Insightful questions to ask dog breeders.
What is the best dog insurance?
If you’re looking for third-party insurance only, check out the Dog Trust UK. You can apply to become a member and they offer a host of other benefits for subscribing. Membership at the time of writing this article is £25 per annum or £12.50 if you’re over sixty.
You don’t have to register all the dogs you own, they are all automatically covered at no extra cost.
Dog Trust insurance is not the best dog insurance because it is very limited, it doesn’t include accidents or illnesses. It does however, cover-up to one million per claim should your dog damage another person’s property or injures individuals.
The Dog Trust includes free vet phone and helpful magazines. Should you die; they guarantee to take care of your dog, not destroy it if he is ‘healthy’.
There three negative drawbacks to this cover:
1. Dog Trust excludes Czech wolfdogs, Saarloos, all Hybrids, Inuits and Utonagans. Avoid making out your wolfdog is a German Shepherd crossbreed, you will be penalised.
2. It excludes lawyer/solicitor fees.
3. You have to pay excess fee of £200 should you need their assistance.
If you are unfortunate to have a case against you; your home insurance may cover a non-criminal case, give them a call. Furthermore, if you live in the UK you may be entitled to Legal Aid through some solicitors, particularly if your case is classed as ‘agitated’.
A word of warning, not all lawyers and solicitors are honest; they may take your case just for your money, if you have some! However, there are some genuine companies, but you have to hunt for them. Some lawyers/solicitors will ask you to plead guilty when you aren’t guilty. This will result in a fine and a criminal record.
*Unfortunately, there are no services similar to the Dog Trust or Legal Aid in the U.S.A. If you are aware of such memberships, services or excellent lawyer/solicitors, please contact me. I can publish them to help other dog owners.
Best dog insurance with premiums
Of course, you may want additional or extra premium insurance against other liabilities. In this case it is advisable to venture to an insurance company.
Just because companies charge extortionate amounts of money, it doesn’t mean it is a good dog insurance company or even a good deal. Nevertheless, if a company is cheap this also doesn’t mean it’s a great deal either.
My first choice for best dog insurance has to be Animal Friends, their prices are competitive, they offer third party, and are an excellent company.
More dog insurance companies can be found in my Checklist of Pet Insurance Companies. Browse through them to find one that is suitable for you.
How to choose the best dog insurance
Unfortunately, to provide the best for your pet dog, you are going to have to do some research. Comparison sites are great, but you still need to check those fine details before handing over your money.
TIP: Double check non-comparison sites, they can often be the cheapest.
Crossbreeds are much cheaper to insure than pedigrees or purebreds.
Depending upon where you live, insurance prices and vet fees can vary.
There is always an excess fee to pay and insurance fees excludes consultations, medications, vaccinations and worming.
If your dog has previously been ill, applying for insurance can be difficult. It is likely you may be refused or the cost will be higher than normal.
Decide on the cover and benefits you want. Some points to consider are:
- 24-hour vet phone services
- Kennel fees
- Holiday cancellations
- Payout for loss or theft
- Accidental damage
- Accidents of any kind
- Customer service satisfaction
- Reimbursements should your vet over charge you
- Customization plan
- Lifelong protection
- Chronic condition coverage
- Premiums not based on a claim
In addition, think about the level of cover such as an accident only or standard which is often called basic.
There is also lifetime, or limited which is usually 12 months or as a set fee limit.
Other points to consider for the best dog insurance
If you’re on a tight budget and can’t afford a one-off yearly payment, then a monthly plan divided into twelve payments with free APR can usually be offered.
Some insurance companies can look very attractive and appear to be offering the best dog insurance by offering incentives to lure you. For example, three months free insurance or a percentage discount. Avoid being lured into these deals without checking their premiums and all the fine-details first.
Always, contact the company before buying on the internet, check how long it took for them to answer your phone call. Monitor their responsiveness and helpfulness.
You can do this by making up any type of question even though you know the answer. Additionally, find out if their payouts are quick, do they pay you or the vet?
Always check clauses as many dogs can not be insured. These dogs are usually Czech wolfdogs, Saarloos, all Hybrids, Inuits, Utonagans, dog considered as dangerous and many more.