Some plans cover dogs whether they're in the United States or traveling overseas. Several allow dogs to visit their own veterinarians, while others don't. All policies have limitations or exclusions, but some companies aren't as forthcoming about them, so be sure to address those directly.
Always check whether:
- Dogs are only covered up to a specific age or for their lifetime
- A condition that's being treated when a dog enrolls would be considered pre-existing in the following year
- Genetic disorders or birth defects are covered
Unfortunately, some policies come with breed-specific exclusions. For example, hip dysplasia and anterior cruciate ligament surgery are often restricted. These conditions tend to affect German Shepherds and Labradors, among others.
The waiting period varies from one provider to the next and could be as long as 45 days or as short as 30 days. Unless dogs have been spayed or neutered, some policies might not be available to them because they're perceived as being at risk for prostate problems, uterine conditions, and injuries from fighting.
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