Most pet insurance providers offer dog insurance for multiple dogs at a reduced rate. Actually, it’s not just multiple dogs, but really – multiple pets, which means cats are included.
Embrace Pet Insurance
Embrace Pet Insurance is one of the best pet insurance companies available right now due to their flexible policies and affordable plans. The pet health insurance provider accepts all breeds and ages, including older pets.
Pet owners should be aware that pet health insurance rates are dependant on my many factors with age being one. A pet insurance policy for older pets is often more expensive than one for younger ones since the risk of medical need is much higher as pets age.
What Pet Insurance Companies Offer
Pet insurance companies offer accident and illness coverage (pre-existing conditions) excluded. Routine care is not covered even if it is to prevent illness. Illness coverage applies to the treatment costs of an illness, not prevention or diagnosis of it.
Routine care options are available to pet parents who have a pet insurance policy with a insurance provider that offers it. For instance, Embrace Pet Insurance offer Wellness Rewards that help pet parents save on vet bill and exam fees.
Learn more about the Wellness Rewards option by reading Embrace Pet Insurance Policy.
How Dog Insurance for Multiple Dogs Works
Health insurance for dogs reimburses pet parents after they submit a claim. A vet bill with the exam fees and treatment costs must be submitted along with detailed information on what was performed and for what reason. If the veterinary care was due to an accident or an illness that wasn’t pre-existing, the dog owner receives a check for the cost.
Learn more about how it works by reading How Does Dog Insurance Work?.
How Multiple Dogs Saves You Money on Dog Insurance
Most pet insurance plans offer a multi-pet discount of at least 10% off the monthly premium. The annual deductible works just like it does for human health insurance – the lower the deductible, the higher the monthly premium. Many dog owners start with a higher annual deductible to save on the monthly premium and then lower the deductible when their pups reach the Golden Years since the chances of submitting more claims is higher.
Another way to save money along with the multiple pet discount is to select an accident-only plan for younger pups. Since the risk of illness is lower in the early years of a dog’s life, having an accident-only plan makes sense.
The more pets someone has, the better of a deal the pet owner receives. Pet insurance plans often provide more of a multiple pet discount as the number of pets increases. This means if a pet owner has cats and dogs, it’s wise to add cat insurance to the policy with the dogs’ insurance plans.
As mentioned above, wellness plans are available from many dog insurance providers, but only for those who hold a policy. These wellness plans are much more advantageous with each additional pet receiving illness and/or accident coverage.
Factors Influencing the Cost of Dog Insurance
The best time for pet owners to obtain a dog insurance policy is early in a pup’s life. It’s much less expensive at that time because insurance providers consider how likely there will be a claim based on pet’s age when calculating the cost of coverage.
In addition to the pet’s age, hereditary conditions are considered. Dog breeds that are most susceptible to medical conditions, such as hip dysplasia will often cost more to insurance than a breed that isn’t prone to it. With so many hereditary conditions possible for different breeds, it’s very difficult to calculate coverage independently. That’s why pet insurance providers offer free quotes.
Request Free Pet Insurance Quotes
Obtaining veterinarian care coverage for your pets shouldn’t be difficult. D.O.G. has made it easier for people to collect dog insurance quotes easily and quickly.
Simply click below to request a quote for an Embrace Pet Insurance policy.
Need help? Feel free to reach out to D.O.G. by sending us a message by clicking here.
We would be more than happy to guide you through the process.