Choosing the Right Pet Insurance

1. Start with Your Dog’s Risk Profile

Young dogs tend to benefit most from accident coverage — think swallowed socks, rough play, or broken toenails. Senior dogs may need more illness protection.

Breed matters too. Frenchies, Labs, Shepherds, and Golden Retrievers all have unique health risks. Your dog’s risk = your plan’s value.

2. Understand What You’re Paying For

Plans with lower deductibles and higher reimbursement rates usually cost more monthly. But they save more if your dog ever needs surgery or long-term meds.

Use a calculator or comparison chart to find your break-even point. If you're unsure, check out our emergency cost breakdown.

3. Look for Chronic Care Support

Some policies cover conditions like allergies, arthritis, or diabetes for life — others only during the first year. Read the fine print on “chronic” or “ongoing” treatment.

4. Watch for Coverage Gaps

• Not all plans cover dental cleanings, exam fees, or medications
• Some exclude ACL tears, hip dysplasia, or hereditary conditions

Make a list of must-have benefits — and check if they’re standard or “add-on.”

5. Compare Quotes the Smart Way

Skip the manual research. Use a comparison tool like Swiftest to view policies side-by-side, filter by deductible or breed, and get real-time quotes.

You’ll instantly spot who offers better value for your specific needs.