Dog health plan: What’s the best of 2020
Whoever has a pet knows that taking care of the health of pets is essential, not only for their well-being but also to avoid leaks in the budget. After all, emergencies and unforeseen events can occur at any time. And it is precisely for these occasions that the dog health plan exists.
With the increase in the number of dogs homes, the dog health plan is also becoming increasingly popular. Therefore, we will show in this article what you should analyze to choose the best plan.
First, the most important
- The dog health plan is a way for tutors to take care of pets without having to spend a lot.
- Today there are several types of plans, from the most basic to the most complete that cover surgeries.
- There are a few factors to take into account before signing the contract.
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Best Dog Health Plans: Our Recommendations
- The most diversified health plan
- The best plan with national coverage
Hiring Guide: All About Dog Health Plans
According to IBGE and Instituto Pet, in 2018, 54.2 million dogs were counted homes ( 1 ) .
Not for nothing, a new segment of the market has been growing in the country: that of the dog health plan. After all, anyone who has had or has a pet knows that unforeseen circumstances and emergencies can occur at any time and, worse, can be very expensive.
To avoid headaches and leaks in the budget, have increasingly invested in health insurance for dogs. But, with so many different plans available, attention is needed to choose the most suitable for your pet and your pocket. And that’s what we’re going to talk about in this Acquisition Guide.
How does the dog health plan work?
The health plans for pets, including the specific for dogs, are similar to the health plan we use for us.
That is, with the payment of a monthly fee, you guarantee the coverage of some veterinary services and procedures for your puppy, such as consultations, exams and even surgeries. This, of course, depends on the type of plan you choose.
Thus, depending on the plan, the pet will have access to an accredited network of veterinarians and health services, consisting of clinics, hospitals and even pet stores.
In general, appointments are made at scheduled times, but most dog health plans also cover emergency situations.
What coverages are offered in the dog health plan?
There are dog health plans that range from the simplest to the most complete. The basics usually include only consultations, vaccinations and some tests.
Intermediaries already cover more complex exams, microchipping and other veterinary procedures. The interesting thing is that, through the microchip placed on the dogs, the pet will have its history of veterinary care all registered electronically.
The dog health plan does not cover pre-existing problems and illnesses in pet dogs.
The dog health plan considered more complete may include surgeries and even procedures such as acupuncture and pet shop services.
But the fact is that the type of coverage varies depending on the company and the type of dog health plan offered. Still, for you to get a general idea, we list below the most popular coverages and what they offer.
What is the difference between dog health insurance and pet insurance?
When you are searching for the best dog health plan, you are likely to find pet insurance as well. Pet insurance is usually sold as an additional cover for home insurance.
This type of insurance guarantees the payment of compensation to the insured in the event that your dog acquires a sudden illness or suffers an accident.
In addition, unlike the dog health plan, contracting pet insurance requires certain obligations from the insured. For example, the insured is obliged to vaccinate all his pets.
There are also other services that can be included in Pet Insurance, such as emergency veterinary assistance and veterinary consultations.
The dog health plan, as we have seen, focuses on coverage of veterinary services and procedures, both emergency and routine.
When should I hire a dog health plan?
If you want to take care of your dog’s health and avoid financial unforeseen circumstances you should hire a dog health plan as soon as possible.
Even if your pet is healthy, the fact is that you never know when your puppy may need more expensive care. However, there are situations in which the dog health plan is even more necessary.
This is the case with elderly dogs. With advanced age, the puppy demands more attention and medical monitoring to treat or prevent diseases.
In general, a dog is considered to be of advanced age from 6 years. From this age group, the need for an annual check-up can save you a lot if you choose to sign up for a dog health plan.
How much does a dog health plan cost?
You will find different types of dog health insurance. And, depending on the accredited network, the coverage of the service and, mainly, the coverage included in the contract, the price of the pet health plan can vary widely.
But, in general, the monthly fee can cost between R $ 27 and R $ 323 monthly. The secret to investing your money well is to read the contract carefully and check if everything that is included is what you expect from the plan.
Where and how to hire a dog health plan?
To hire a dog health plan the first step is to choose a company with expertise and tradition in this segment. Therefore, it is essential that the company is registered with the Federal Council of Veterinary Medicine (CFMV).
This is because the offer of animal health plans is precisely regulated by the CFMV through resolution number 647 ( 2 ) . The Board is also responsible for inspecting these companies, ensuring the best provision of services.
Before closing the contract for a dog health plan, consult the CFMV.
Therefore, before closing the contract for a dog health plan, consult the CFMV to make sure that the company you are hiring has all the records and acts in a suitable manner.
That done, just enter the company’s website. There you can do a simulation to find the best health insurance for dogs. Some documents will be requested and, after a period of analysis and grace period, you will be able to use the services.
Hiring Criteria: How to choose a dog health plan
After choosing the best company, it’s time to choose the ideal dog health plan. For that, we recommend that you consider some factors that differentiate not only the type of service, but also the final price. Are they:
- Service location
- Usage limit
Below we will explain in detail each of these topics.
The first criterion you should consider is the scope of care provided by the dog health plan.
As we have seen, each company offers an accredited network of veterinarians and specialists. Thus, health plans for pets may have regional, state and national coverage.
Always choose the plan that offers a service close to your home. But, if you travel frequently, it is also important to ensure a national dog health plan.
As we have seen, each company offers different types of plans with coverage ranging from simple services and procedures to the most complex. Some companies even offer up to six different plans.
There are even specific plans for some dog age groups. The ideal is to choose a plan that offers the most important services to your dog and that fits in your pocket.
The grace period is the period stipulated by the brokers that you must wait until you are authorized to use the service of the dog health plan.
Most services stipulate a grace period that can vary from 30 to 360 days. But the most important thing here is that the grace period varies greatly depending on the procedure or coverage.
For example, it is possible that the grace period for an appointment with the veterinarian is 30 days, but for a CT scan it is 120 days.
Therefore, check the grace period for each dog health coverage you choose before signing the contract.
Another factor that deserves your attention is in relation to the limit of use of the services offered by the dog health plan.
That’s because each broker stipulates a different limit depending on the type of service. To give you an idea, in general, depending on the plan you choose, you can take your dog to a veterinary consultation between 2 and 6 times a year.
Did you know that most dog health insurance services will require a microchip for pet identification?
However, not all health plans will cover the cost of implanting the microchip.
The service usage limit changes if you need to have a blood test, surgery or other procedures such as vaccination, for example. In general, the limit on the use of services varies between one and eight per year.
In addition, it is worth noting that there may also be a period that must be respected between the use of one service and another. Depending on the procedure, you may need to wait between 15 and 365 days to use the same service again.
Finally, take into account the differentials that each broker offers. Check out the main attractions included in the dog health plan below:
- 24-hour telephone service with a veterinarian on call
- care home
- Nutritional guidance
- Offers on medicines
- Advantage club with discounts
- Electronically stored pet information
The dog health plan is an investment in your pet’s health and a prevention against unexpected and expensive expenses with veterinary treatments.
By paying a monthly fee, you guarantee coverage in services and procedures from the simplest, such as a consultation, to the most complete, such as surgery.
Before signing the plan contract, make sure that the broker is reliable and has market expertise. In addition, analyze what are the coverages included in the plan, the grace period, service usage limits and the differentials offered.