How does pet insurance work?

It’s a lot like health care for humans, only you’ll likely submit claims afterward and pay the full amount to your vet. The insurance will then send you a check for the portion it covers. Research carefully, though, before selecting a plan. Some include in- and out-of-network vets and nearly all don’t cover preexisting conditions and other routine care, such as yearly checkups.

Lastly, don’t expect neutering, dental cleaning, or dewclaw removal to get you any money back — those things often make up the bulk of your yearly vet bills when you get a new puppy.

How much is health insurance for a dog?

Plans vary widely and can cover only accidents or include some preventative care. However, you’ll likely shell out a minimum of $25 per month and up to about $75. This also varies depending on how old your pet is and even the breed and gender. Many plans only allow new dogs to join up to a certain age, as young as 4 years old.

You might need to act quickly after adopting an adult beastie or you won’t ever be able to insure them. Keep in mind that you’ll have a monthly premium, a deductible, an annual limit, and a reimbursement percentage. You can see why this gets complicated quickly.

Do dog health insurance plans save money?

You should carefully examine your prior year of vet bills — and what they were for — then calculate what you might have spent with each type of plan. By using the last year as a baseline, you’ll get a better idea of how much you might realistically save with an insurance plan.

To break this down, let’s say you spent $2,000 last year in vet bills, but $1,000 of that was for routine care, including shots, checkups, neutering, and yearly bloodwork. The other $1,000 was for an incident in which your pup sprained their little paw in an accident. Only the second visit would be covered, and you’d have to apply your deductible first —  and let’s say it’s $500. Of the remaining $500, you might only get reimbursed at 70%, which means you would get a check for $350. If you’re paying $50 a month, you would not break even on that year.

But remember one important thing: You come out ahead when you use insurance for the unexpected. No one would ever sign up for a plan if we all could predict the future. If your pet has an accident or gets very sick, you’ll be incredibly grateful for the peace of mind you receive from your insurance.

In the end, you should run a couple of calculations, shop different insurance companies, and then go with the option that causes the least stress and makes the most sense for your family. If you figure out that purchasing a plan doesn’t work, sock away that same amount (or more) in a savings account so you won’t be unprepared for a big vet bill. Your four-legged friend is part of the family, so make sure you have enough set aside to pay for an emergency and keep your little furry companion living happily and healthily.

But there’s another solution. It may be time to think about signing up for a subscription box for your pup. In addition to providing top-of-the-line dog food, the best dog food packages save you hours of research and food prep. These dog food subscriptions are the best of the best, according to fellow pet parents.  

1. Chewy

Does your fur baby already have a favorite food? By now, you’ve probably considered ordering it online, but did you know Chewy offers an automatic subscription? In addition to your pup’s favorite noshes, you’ll be able to stock up on treats, bedding, and even holiday costumes at this online big-box retailer for pets. Whether you need dog shampoo, potty pads, or a new squeaky toy, Chewy offers 5%–10% discounts on some of your favorite brands. Additionally, you’ll be able to set up your shipment frequency, save 30% on your first subscription order, and you’ll receive free shipping on every order over $49. 

2. Nom Nom

There are perks to making your own dog food, but wouldn’t it be even better if you could essentially get someone else to make it for you? With Nom Nom, you’ll be able to specifically tailor your dog’s meal plan to his age and size. The result? Freshly made meals packed with nutritious ingredients in the ideal portion size for your beloved fur baby. Nom Nom also offers treats and nutritional supplements, so you can rest assured that you’re meeting all of your pooch’s dietary needs. Choose from one of four recipes crafted to meet AAFCO Food Nutrient Profiles, and you’ll receive carefully packaged dishes that make serving dinner a snap. While it’s not the cheapest service (monthly costs range from $49 to $328), we love the option of choosing from weekly, biweekly, and monthly deliveries. Nom Nom is currently offering 20% off if you start your two-week trial today.

3. The Farmer’s Dog

As pet parents, we know our fur babies are all unique, and The Farmer’s Dog agrees. You’ll be able to create a personalized profile and select food based on your pooch’s age, breed, ideal weight, activity level, and even food allergies. Using fresh, human-grade ingredients, The Farmer’s Dog dishes out nutritionally dense meals in easy-to-open packages. They’re currently offering 50% off your first purchase if you subscribe now, and you can choose the frequency of your deliveries. Average weekly costs range from $16 to $90, depending on your dog’s breed and the number of pups you’re feeding.  

4. Spot and Tango

If you’ve ever questioned the quality of ingredients used in dog food, Spot and Tango may be the subscription box for you. Using locally farmed, human-grade ingredients, Spot and Tango offers pups a farm-to-table approach to mealtime. Once Spot and Tango has your pooch’s age, weight, and activity level, the company sends out nutritionist-developed fresh dog food in perfectly proportioned, vacuum-sealed containers. Your pup’s meals arrive frozen, so all you have to do is thaw them out, pop open the container, and feed your fur baby a fresh, nutritionally balanced meal. Meals are delivered every week and cost an average of $2 per meal. For a limited time, new users will receive 50% off the cost of a subscription and free dog treats for life.

5. Pet Plate

While many dog food brands rely on meat by-products to bulk up their lackluster recipes, Pet Plate believes in providing the best quality to pooches nationwide. Pet Plate provides human-grade, USDA meats prepared using vet-crafted recipes. Choose from beef, chicken, turkey, or lamb, and serving your pup’s meal is as easy as opening a container and dishing out meals. Input your pup’s age, breed, weight, and health level, and you’ll receive a weekly delivery of healthy meals starting as low as just $1 per day. Best of all, new subscribers will get 50% off meals and treats.

Ordering high-quality, nutrient-dense food for your pooch doesn’t have to cost a small fortune, and we’ve rounded up the most highly rated dog food subscriptions to prove it. With one of our favorites, you’ll save yourself time, effort, and several shopping trips all with the touch of a button. Your beloved pooch’s new favorite food is only a click away, and you can have it delivered right to your doorstep. What could be easier than that? 

Covering the basics

While both pet insurance plans and wellness plans offer different benefits, both are incredibly useful depending on your pet’s needs. Pet insurance and pet wellness plans both cover different needs, meaning you won’t have to pay hefty out-of-pocket expenses when your fur baby needs to take a trip to the vet. While some pet owners opt for insurance-only plans, others prefer to provide complete care by adding on a pet wellness plan. The coverage provided by pet insurance plans and pet wellness plans varies from company to company and your plan of choice. In most cases, however, insurance plans and wellness plans include the following coverage:

Pet insurance plans

• Accidents and injuries such as broken bones, eating a foreign object, wounds due to fighting, and more.
• Surgical procedures.
• Illnesses such as cancer, parvovirus, kidney disease, and more.
• Prescription medication.
• Diagnostic tests like X-rays and MRIs.
• Emergency veterinary care.

Pet insurance plans don’t cover routine vet visits, wellness checkups, preventive medicine, vaccinations, spaying and neutering, or preexisting conditions. 

Pet wellness plans

• Vaccinations.
• Microchipping. 
• Spaying and neutering.
• Preventive medicine.
• Wellness exams.
• Deworming treatment.
• Grooming.
• Routine screenings for conditions like hip dysplasia.
• Behavioral training.
• Teeth cleaning.
• Nail trimming.

Bear in mind that each wellness plan is as different as each pet’s needs. If your dog needs routine screenings, opt for a wellness plan that includes them. Similarly, if you have trouble trimming your cat’s claws at home, look for a wellness plan that covers nail trimming. 

The perks of pet insurance plans

Because many insurance companies charge a higher premium to insure older pets, it’s best to insure your pet while she’s young and healthy. Additionally, not all chronic conditions develop in older pets. An estimated 81% of dogs develop canine atopic dermatitis when they’re 3 years old or younger. Young, active dogs are also likelier to chew foreign objects, which can result in emergency surgery. The cost of ongoing treatments for chronic problems like cancer can skyrocket, leaving pet parents to make the heartbreaking decision to continue or cease lifesaving chemotherapy.

Pet insurance provides the financial help you need to ensure that you can seek treatment for your fur baby. If you’re faced with an emergency vet bill, knowing you have pet insurance reimbursement to offset the costs means you won’t be left in a financial bind. Pet insurance for dogs costs an average of $45 a month, while plans for cats average $25 a month. 

The perks of pet wellness plans

With benefits like dental care, grooming, spaying and neutering, vaccinations, and microchipping, pet wellness plans can help you pay for treatments and procedures that aren’t covered by pet insurance plans. For a relatively low monthly cost — usually around $10–$30 a month — you’ll save money on taking a proactive approach to your pet’s health and staying on top of regular wellness visits. Early detection is crucial to a good prognosis, so routine screenings are a must when it comes to catching serious conditions while they’re easily treatable. That being said, wellness plans aren’t insurance plans, so while they’ll aid in early detection, they won’t cover treatment costs. 

Does your pet need an insurance plan, a wellness plan, or both?

Just like all pets have their own unique personalities, they also have individual needs that can help you determine which option is right for you. For example, any dog breed is at risk of developing diabetes, but certain breeds like cocker spaniels, golden retrievers, German shepherds, Pomeranians, and more have an increased risk. Routine wellness visits covered by a pet wellness plan can help detect diabetes early on, but pet insurance will cover the cost of any prescriptions your dog needs. If money is tight, pet insurance is probably your best bet, as surgical procedures and chemotherapy can cost several thousand dollars. Wellness exams cost an average of $200–$400 annually for dogs and $90–$200 for cats, which is much more affordable if you’d like to save money by skipping a wellness plan. While some pet parents believe the peace of mind a combined pet insurance and pet wellness plan can bring is priceless, only you can decide what’s best for your budget and for your pet. 

Is it harder to get pet insurance for rescue pets?

Your pet’s age, preexisting conditions, breed, and health record all help determine how much you’ll pay in premiums when signing up for pet insurance. When you purchase from a breeder, your pet will come with papers, including a detailed health record.

But what if you adopt your pet from a shelter or rescue group? Luckily, insurance companies don’t discriminate against rescued pets. In fact, some pet insurance companies encourage and support pet rescue by donating money to animal welfare nonprofits and partnering with rescues and shelters. For example, Embrace Pet Insurance partners with Best Friends Animal Society to offer discounted policies to anyone who adopts a pet through the organization. The company also partners with shelters and rescues nationwide to offer special packages for rescue pets.

Information you need when insuring a rescue pet

Depending on the pet you’re adopting, there may or may not be a lot of information on the animal’s background. If you’re lucky, the previous owners will have provided the shelter or rescue with a detailed history of the pet. They might even have surrendered the pet’s health records. However, it’s more likely that you won’t know a lot about your new pet’s background.

Many shelters and rescues have their animals checked by a veterinarian before putting them up for adoption. These health checks provide shelters with an estimated age, a guesstimate as to breed or breed mixes, and any current health issues. Be sure to get the results of these health checks along with the name of the veterinarian and animal hospital that performed the wellness exam. This is information you can provide to the insurance company when determining the best health care package for your pet.

What if the shelter doesn’t have health records?

If the shelter cannot provide you with a health status from a veterinary professional, that doesn’t mean you can’t get your pet insured. As soon as you adopt your new friend, go to your veterinarian for a wellness check. This will provide you the information you need to reach out to a pet insurance company. The insurance company will want to know if your rescue pet has any preexisting conditions and will look to the results of a wellness exam for this information.

Preexisting conditions within the pet insurance industry are typically divided into curable, chronic, and breed-specific categories. These are significant health conditions that your pet has before you enroll him in insurance coverage. Typical preexisting conditions not covered by insurance companies include:

• Cancer
• Heart disease
• Arthritis
• Urinary blockages
• Epilepsy
• Diabetes

Most insurance companies see pets with preexisting conditions as risky investments. Some companies won’t cover preexisting conditions at all, while others may cover curable conditions once a pet is symptom-free for a specified length of time. But just because a company won’t cover your rescued pet’s preexisting condition doesn’t mean you can’t find a health insurance package to work for you.

The sooner you get your pet insured, the better

If you’re considering health insurance for your newly adopted pet, the key is to get the insurance as soon as possible. The longer you wait, the greater the chances your new animal companion will have a preexisting condition that won’t be covered. There’s no shortage of pet insurance companies, and they offer a variety of coverage options. Best Friends Animal Society offers a roundup of pet insurance companies to help with your research. Just as with health insurance options for humans, there are numerous pet insurance plans. Some cover accidents but not illnesses. One policy might cover cancer treatment, while another may not. Many companies also offer wellness coverage plans that help cover the cost of regular exams and preventive treatments that your pet needs to stay healthy.

To find the best insurance company for your pet, ask family and friends who they use and if they are happy with the services. You can also get a recommendation from your veterinarian. Research the recommended companies online and compare the various policies to find the right option for your newest family member.

Pet insurance may not be for everyone. If you have a budget that includes emergency funds for pet health care, then health insurance might not be the right choice for you. However, not everyone can afford to budget for a pet’s medical needs. Nobody wants to be in the heartbreaking position where they can’t afford the health care needed to save a beloved pet’s life. Health insurance gives you peace of mind knowing you can provide your animal companion with the best care possible to keep him healthy and happy.

Do you need pet insurance?

According to a poll conducted by Bankrate, fewer than four out of every 10 Americans have enough money in savings to pay for an unplanned $1,000 expense. With the average emergency vet bill costing more than $1,000, many pet parents could be faced with a heartrending decision regarding their pet’s medical expenses. Given the unexpected nature of most visits to the veterinarian, pet insurance provides you with the financial help you need when you need it most.

How pet insurance works

Technically speaking, pet insurance is considered a type of property and casualty insurance and doesn’t fall under the category of health insurance. However, it is health insurance for your pets. While it sounds confusing, pet insurance follows a simple, effective model. When you take your pet to the veterinarian for treatment, you pay the bill at the time of service, submit a claim, and get reimbursed for the cost of the visit — but not for the policy deductible and copay. Unlike with your health insurance, you don’t have to worry about remaining in-network. This reimbursement-based model lets you visit any veterinarian you choose.

What does pet insurance cover?

Most companies offer several types of coverage, including wellness plans, accident-only plans, and accident and illness plans. Accident-only plans cover injuries like bone fractures and lacerations, but they don’t cover costs associated with illnesses.

While all insurers differ, the vast majority of accident and illness insurance plans cover the following:

• Surgical procedures
• Hospitalization
• Accidents
• Illnesses
• Diagnostic tests such as X-rays

Some insurance plans, though not all of them, also cover:

• Prescription costs
• Alternative therapies
• Recurring ailments such as arthritis
• Breed-specific conditions

When selecting a new pet insurance policy, contact the agency and ask for a detailed list of what each plan covers. Like other forms of property insurance, most pet insurance plans have waiting periods before your plan begins, a deductible, an annual or per-visit (also called per-incident) maximum, and a copay.

What doesn’t pet insurance cover?

In addition to things like elective procedures and prescription food, the vast majority of pet insurance plans won’t cover preexisting conditions. However, there is a caveat with some insurers. If you can prove (through documentation from your veterinarian) that your pet’s preexisting condition is considered cured, some plans will cover it. Fortunately, there are ways you can help offset the cost of your pet’s veterinary expenses even if your dog or cat doesn’t qualify for accident and illness plans due to a preexisting condition.

What you should know about costs

According to ValuePenguin by LendingTree, the average monthly cost of pet insurance plans for dogs is around $25–$70. For cats, the monthly average is roughly half the cost of a dog’s plan, around $10–$40. To get the most for your money, you should insure your pet as soon as possible. Because your fur baby is more likely to develop a chronic illness when she’s older, pet insurance premiums increase as pets age. You can save yourself a sizable chunk of change by choosing a policy while your pet is young and healthy. With most insurers, the cost of your pet’s premium will continue to increase. However, most companies allow you to customize your coverage to help keep costs low.

If you can afford to cover your pet’s veterinary expenses regardless of the amount, then you probably don’t need pet insurance. Thinking of pet insurance as an investment will only lead to disappointment since it doesn’t cover many of the routine costs of pet care. Most fur babies in need of emergency assistance are injured or fall ill suddenly. When it comes to pet insurance plans, the real value is having peace of mind that you won’t have to choose between covering your pet’s expenses and paying your rent.

With the popularity of subscription boxes at an all-time high, it makes sense that there are more than 40 unique subscription box options to choose from when it comes to dogs and cats. It’s important to understand that not all pet-related subscription boxes are alike from a price and quality standpoint, so it’s important to choose one that’s best suited for your pet and budget.

What is a subscription box?

A subscription box offers a small collection of items selected by a curator and shipped out monthly to paying subscribers. When it comes to subscription boxes for dogs, for example, a typical box might include one or two toys, a selection of two or three treats packages (or bully sticks), plus one or more additional items related to a specific theme.

The goal of a subscription box is to allow pets to sample a wide range of products over time, while relying on a curator to research and select the best products based on the criteria that the subscription box company promotes. Some pet-themed subscription boxes focus more on low prices, but tend to offer a selection of lower-quality items each month, while higher-priced boxes might offer fewer items that are much higher quality.

Some subscription boxes have a unique focus

While some pet-oriented subscription boxes are more generic in their monthly offerings, others have a well-defined focus.

Steven Vogel is the founder of the family-owned WagWell subscription box service, which has been in existence for just over two years. “There are a lot of different subscription boxes out there for dogs,” he says. “When I started the WagWell Box, I wanted to create a subscription box for dogs that was different from what was already out there. Our focus is on curating boxes that contain only organic and all-natural treats and chews, as well as high-quality toys.”

“Buying pet treats from a store, for example, is a hit or miss proposition,” Vogel adds. “Without doing a lot of research, it’s difficult to determine where a treat was manufactured, what ingredients were used, and whether the treat is healthy for your pet.”

“We do the research for the pet parent and offer a selection of treats and chews that are made from human-grade ingredients that are healthy,” he notes. “We also research all of the toys and work closely with the manufacturers to ensure each toy is well-made, safe, and product tested by a third party.”

When it comes to pet treats, chews, and toys, there are very few government guidelines and laws that manufacturers must follow. Thus, the responsibility falls to the pet parents to do their own research to find the best products for their dogs or cats. By subscribing to a curated subscription box, much of the necessary research gets done for the pet parent.

“People are busy and don’t always have the time to determine what their dog or cat really needs, likes, or wants. Especially when it comes to treats and chew items, pets often want variety,” Vogel notes. “When someone goes to a pet store, they’re typically faced with entire aisles filled with hundreds of products to choose from. The options can become overwhelming. Few people are dedicated enough to read the ingredients of each package or research where those ingredients are sourced from. This is one way a subscription box, like WagWell, can be helpful.”

Kim Merrett, founder of the Good Dog in a Box service, notes, “Our whole company is focused on helping families with kids train their dogs because children, between the ages of nine and 11, are the largest percentage of the population that get bit by dogs. We were looking to create something that was new, fun, and different, and that would help all family members get on the same page with dog training and safety. Kids should be involved in a dog’s training process too.”

Good Dog in a Box offers a kid-friendly curriculum, divided into 12 modules, that is meant to be done as a family. Each monthly box includes access to specific training videos, full-color training cards, multiple activities, a training tool, and dog treats. The goal is to teach dog bite prevention, pet responsibility, how to be a good pet parent, pet health, and basic training. The entire curriculum includes access to more than 200 training videos created and hosted by a certified dog trainer.

“Our subscription box is not a replacement for professional dog training. The monthly curriculum is designed to build on what a training class would teach. For example, one month focuses on dog body language and how pet parents and kids can identify and understand what a dog is trying to communicate,” Merrett explains.

Daniel Garrido, president of Pooch Perks, another popular subscription box service for dogs, notes that his company offers several different types of boxes, which can appeal to different owners. “The most expensive option includes three to five premium toys, three U.S.-made treat bags, two all-natural chews, one accessory, one waste bag roll, and one bandana within each box,” he says. “The least expensive box includes just toys and a bandana. Every month, the boxes have a different and fun theme.”

One thing that sets Pooch Perks apart from other subscription boxes is the number of customization options offered. For example, for a family with two different size dogs, each box can include an assortment of toys and treats suited for both bogs, while someone who just has a small dog, for example, can opt to receive only items suitable for that pet.

“A lot of brainstorming and research goes into choosing which products will be included within each box,” Garrido says. “We work with many manufacturers, all of which are small businesses based in the United States. Each time we begin working with a new supplier, we do a background check and learn a lot about the company and its products. We’ve developed relationships with companies that consistently offer high-quality and safe products that meet our premium standards. For example, the treats we included in our boxes have limited ingredients because that’s healthier for the dogs.”

By choosing a subscription box that follows the same philosophy as you, in terms of choosing the right types of products that you’re comfortable giving to your pet, becoming a subscriber can ultimately save you time and money, while exposing your pet to a fresh variety of products.

10 tips for choosing a subscription box

While WagWell, for example, focuses on providing healthy treats and chews (along with safe toys), other subscription boxes are geared just for puppies (or kittens), small dogs, large dogs, older dogs, or heavy chewers. Subscribers will benefit the most from a subscription box that caters specifically to the dog or cat it’s being purchased for.

Another important consideration is what’s included within each month’s box in terms of product assortment and product size. Some subscription box services include a selection of sample or trial size treats or chews, while others offer full-size packages of products, just like what’s typically sold at retail stores.

When choosing which subscription box is best suited for your dog or cat, here are some useful guidelines to follow:

1. Determine the monthly price for the subscription box based on the length of the subscription you’re interested in purchasing. Pre-paying for three, six, or 12 months often lowers the monthly price considerably.
2. Consider purchasing a one-month sample of a box to see firsthand what’s offered before committing to a longer-term subscription.
3. Look at the assortment, quantity, and size of the items offered within each box, as well as the variety of items that are included over a several-month period.
4. Read the guidelines that the subscription box service uses to curate each box in terms of product quality and safety.
5. Make sure the contents of each box are suitable for the size, age, habits, and temperament of your dog or cat. For example, if your dog prefers only soft treats, a subscription box that regularly includes biscuits and other types of treats won’t be appealing to your dog. You’ll likely wind up giving away or discarding many of the items you receive. When you sign up for a subscription, you should be asked specific questions about your pet to ensure the items you’ll receive each month are suitable. Look for a subscription box that really caters to your pet instead of offering a generic selection of items.
6. Read the reviews and comments from other subscribers. Pay attention to what they have to say about the quality of toys included within each box. Some boxes purchase very low-quality toys from overseas that can be purchased at retail for less than $2.00 each. These typically offer inferior quality and sometimes can be a safety or choking hazard.
7. There are numerous online services, like BuyersGuide.org, MySubscriptionAddiction, and Dog Box Review, that offer detailed descriptions and reviews of the many pet-related subscription boxes. Use these to help determine which subscription boxes offer the best value.
8. Determine if the subscription box you subscribe to offers a way to order more of the specific products your pet truly loves.
9. Calculate the savings you’ll receive as a subscriber. While the monthly price of a subscription box may be between $20 and $35, you’re often guaranteed to receive items that have a retail value of at least twice that each month. Remember that choosing the lowest-priced box often means you’ll receive the lowest-quality items, or sample/trial sizes, as opposed to full-size items.
10. Consider the owner of the subscription box service and how long they’ve been in business. While some are operated as small, family-run businesses, others are part of a large corporate conglomerate.

How to find pet-related subscription boxes

With so many different pet-themed subscription boxes, the easiest way to discover what’s available is to launch your favorite web browser, and within a search engine (such as Google), enter the search phrase, “dog subscription box” or “cat subscription box.” Alternatively, visit one of the online services that review subscription boxes.

The following is a summary of what 12 popular subscription box services offer:

According to the American Veterinary Medical Association, “Vaccinations protect your pet from highly contagious and deadly diseases and improve your pet’s overall quality of life.” Serious diseases like distemper and rabies can spread to unvaccinated cats and dogs, and some diseases — like rabies — can spread from pets to their owners. Not only do vaccines protect your fur babies, but they also keep you safe from transmissible diseases. Additionally, some areas require you to vaccinate your pets before taking up residency. But does pet insurance cover vaccines? Let’s take a closer look at vaccines, whether pet insurance usually covers them, and other ways you can offset the cost.

How do vaccines work?

Vaccines are composed of antigens, which resemble the organisms that cause disease. When your pet is vaccinated, it stimulates the immune system into fighting off something that looks like the real disease. If your pet is exposed to the disease in the future, her immune system recognizes it and (in most cases) fends it off completely. At the very least, vaccines drastically reduce the severity of the disease, making the symptoms manageable. 

There are numerous vaccines available, so it’s essential to discuss the proper protocol for your pet with her veterinarian. Depending on your pet’s age, lifestyle, and medical history, your fur baby may not need to be vaccinated for everything. 

When should you vaccinate your pets?

Before kittens and puppies are 6–8 weeks old, they receive antibiotics from their mother’s milk (as long as she’s been vaccinated and has a healthy immune system). After that, your veterinarian will need to give your pet vaccines and boosters until she’s 16 weeks old. Adult dogs and cats will need annual vaccines, with some vaccines lasting up to three years before the animals require another injection. Most veterinarians send vaccine updates in the mail to let you know when your pet is due for her vaccine, but we recommend keeping track of it at home just in case they forget to notify you — or if the card gets lost in the mail.

Does pet insurance cover vaccinations?

We don’t blame you if you’ve frantically Googled some variation of “pet insurance vaccinations” only to walk away feeling more confused than ever. Insurance lingo can be tricky to understand, and that’s doubly true for pet insurance. So, does pet insurance cover vaccinations? If you want to get technical, no. Traditional pet insurance covers illness and injury, but general health care for things like dental cleanings and vaccinations isn’t covered. However, if you opt for a wellness plan (which isn’t considered a true health insurance policy), routine care like dental visits, vaccines, and even microchipping is covered. The definition of routine care depends on the provider, but almost all wellness plans recognize the importance of vaccinations. 

Does your pet need an insurance policy and a wellness plan?

With a wellness plan, you’ll be reimbursed for checkups, preventive care, vaccinations, and more, but wellness plans don’t cover accidents and injuries. Depending on your budget, you may want to insure your pet with a traditional insurance policy and add on a wellness plan to cover dental cleanings and vaccinations. Some pets may not qualify for insurance for a variety of reasons, such as their age or preexisting conditions. Additionally, some breeds are more expensive than others, which can make the cost of a pet insurance policy prohibitive. In that case, a wellness plan (along with plenty of exercise and a nutrient-rich diet) can help prevent ailments and improve your pet’s quality of life. 

What can you do if you need help paying for vaccinations?

While cat vaccinations aren’t that expensive (around $50 for a rabies vaccine), vaccinations for dogs can range anywhere from $100 to $350 annually. If you’ve already stretched your budget thin, that doesn’t mean you can’t find help to afford the essential vaccinations your pet needs. We have a few tips that can help you out.

• Apply for CareCredit: CareCredit is a credit card that can help you pay for checkups, treatments, dental care, and vaccines. 
• Work out a deal with your veterinarian: While not all vets are willing to work with you, some will set up payment plans, help you with financing options, or defer your payments until you can pay for your pet’s vaccinations. 
• Turn to crowdfunding: Many people can pay for incredibly expensive treatments for sick pets thanks to crowdfunding. If you’re strapped for cash, think about setting up a page for your pet’s vaccine bills. 
• Look for a low-cost clinic in your area: If your area has an affordable veterinary clinic, it never hurts to give them a call and ask about their prices.

Vaccinations protect your pet against transmissible diseases, some of which can even spread to humans. But the annual cost of vaccinations can be difficult for some of us to afford without help. If it’s within your budget, a wellness plan that covers vaccine costs is a fantastic way to ensure your pet stays protected. And if a wellness plan is outside your price range, that’s okay, too. You may be able to work out a payment plan or use another option we’ve suggested to help cover the cost. The only thing we don’t recommend? Skipping vaccinations. 

While the best time to insure your dog is when he’s young and less likely to have preexisting conditions, that doesn’t mean seniors’ pet insurance is a bad idea. It’s never too late for your pet to benefit from health insurance. Even if your dog suffers from a preexisting condition, older dog insurance is still vitally important and can help you save a fortune in the event of an accident or serious illness. And we have good news: Even if your dog has a preexisting condition your insurance policy doesn’t cover, you still have plenty of options to make treatments more affordable. 

When is my dog a senior?

Because they have such variable life spans, different breeds mature at different rates. For example, toy breeds can live an average of 10–18 years, while giant breeds live roughly seven to nine years. Contrary to what you might think, a shorter life span doesn’t necessarily mean your dog will mature faster. Larger breeds are considered adults when they’re around 15 months old, and smaller breeds are adults when they’re around 9–10 months old. Similarly, larger dogs are considered seniors when they’re 6–7 years old, while small breeds reach senior status at around 9-10. If a doggie equivalent of AARP existed, medium breeds would qualify when they reach 8–9 years of age.

How can I tell if my dog is aging?

If you’ve adopted a shelter dog with a guesstimated date of birth — or taken in a stray dog — you may not know your pooch’s exact age. That’s okay. Here’s what to look for to determine whether your dog is getting up in years:

• Gum disease or tooth loss
• An opaque film over the eyes, which could be due to cataracts or lens thickening
• Changes in weight
• Loss of muscle mass
• Decrease in activity level
• Graying muzzle (you may also see white hairs on the paws, chest, or throughout your dog’s coat)
• Hearing loss
• Behavioral changes 
• Signs of arthritis, such as limping or swollen joints

These signs mean it’s time to visit the vet to work out any dietary changes needed, possible treatments for arthritis, and any other changes you should make to help your fur baby adjust comfortably to senior life. 

Choosing insurance for your aging dog

Many insurance companies don’t offer full coverage for older dogs due to the increased risk of health problems, but that doesn’t mean insurance is no longer an option. You can still find various plans from different insurance companies, but sometimes the terminology can be tricky. Let’s examine basic coverage plans your dog may qualify for and sort out what each one means. 

Accident-only plans

Accident-only plans cover accidents like broken bones. If your dog loves to chew things he shouldn’t be chewing, accident-only coverage is your new best friend. There’s usually a payout limit, meaning you’ll have to cover bills once you’ve reached the payout cap each year. 

Guaranteed insurance plans, also called guaranteed for life

As long as you insure your dog before the age limit — it varies from company to company — he’ll be protected from accidents and injuries throughout his lifetime. 

In-network discount plans

If pet insurance isn’t within your price range or your dog doesn’t qualify because of his age, you can opt for a medical discount plan. The caveat is that you’ll have to choose a vet from a network, and you’ll receive a discount only if you stay in-network. 

In addition to basic insurance plans, many pet insurance companies offer add-on coverage for further expenses. Depending on the company, you may be able to add coverage for boarding, routine wellness visits and vaccinations, euthanasia, and burial expenses. 

What to look for in an insurance plan

You want what’s best for your dog, but some plans have costly deductibles, long waiting periods, and low payouts. Choose an option with a low deductible and a high annual payout limit. Some pet insurance companies offer coverage if your pet has a curable preexisting condition, so research each plan thoroughly. Don’t be afraid to contact the company directly to speak to an agent regarding your dog’s health conditions. Your pooch may qualify for a better plan than you think. Some other tips to keep in mind:

• Sign up for a policy at the earliest possible time. The cost of pet insurance increases as your dog ages. You don’t want to wait until your dog is too old to qualify or has a preexisting condition that requires expensive treatments.
• Select policies from companies that specialize in aging dogs. Some companies offer plans specific to senior dogs, meaning you won’t need to choose a basic plan and then pay for add-on benefits. 
• Keep your dog as healthy as possible. Regular exercise, a nutrient-dense diet, staying current with vaccinations, and regular checkups will not only keep your pooch feeling younger longer, but they may even qualify you for a policy discount.

If you’ve waited until your dog is older to shop for an insurance policy, there’s still hope. Look for companies that specialize in older dogs, do your best to keep your pet healthy and active, and don’t be afraid to shop around. If your dog is too old or ill to qualify, choose a medical discount plan, a credit option such as CareCredit, or search for a low-cost clinic nearby. Keeping your dog healthy is your top priority; the right pet insurance can help.

In today’s battle of the boxes, we’ll look at PupBox versus BarkBox, talk about the benefits of each box, and find out which subscription box is best for your pooch. 

Why should you try a dog subscription box?

As with all subscription boxes, dog subscription boxes offer an assortment of products hand-selected by people who really know dogs. From toys and treats to health supplements, subscription boxes for dogs provide specialty items you may not be able to find elsewhere. They also provide a lot of bang for your buck, with most items adding up to a fraction of what you’d expect to pay in store. Additionally, most dog subscription boxes include healthy options like grain-free foods and hypoallergenic products, and some subscription services even donate to animals in need.

Without further ado, let’s look at two of our current favorite subscription boxes to help you find the best one for your dog.

PupBox subscription box

If you’re looking for a subscription box centered primarily on puppies, PupBox is a fantastic option.

Each box contains a variety of treats and toys geared specifically toward your dog

PupBox includes one bag of dog treats per month, specifically chosen based on your puppy’s age, breed, and development stage. Each bag of treats is sourced using high-quality ingredients from the United States or Canada, so you’ll never have to worry about mysterious ingredients from overseas companies. Because rawhide chews can be dangerous for young pups, your PupBox will never include these potentially risky chews.

On top of several tasty treats, your pup will receive four to six additional items in each box. Ranging from interactive toys designed to aid in development to soft plushies and grooming essentials, each box contains plenty of fun options to keep your puppy busy.

PupBox makes it easy to adapt the treats to your pet’s needs

You can select your dog’s allergen options when you set up the account. If your pup has a food allergy that isn’t listed, just pop it in the “additional notes” section of the Account Summary page to ensure your puppy receives a safe, delicious treat.

 If your puppy is in a destructive phase, never fear. According to PupBox, it’s better to let him expend all that excess energy. However, you can contact PupBox directly, and they’ll substitute hardier toys your fur baby is less likely to demolish.  

As an extra perk, the box offers training tips

Each monthly box includes age-appropriate training tips for your pup. The guides are penned by Andrea Arden, professional dog trainer to numerous celebrity dogs, so you can ensure your new best friend is the most well-behaved puppy at the dog park.

Pricing is about on par with other subscription boxes

A one-month plan of PupBox costs $39, but if you sign up for more months, you’ll save money. A three-month plan is $34 per box, a six-month plan is $32 per box, and a 12-month plan is $29 per box.

BarkBox subscription box

With over two million subscribers, BarkBox is the best-known dog subscription box. They’re also one of the most affordable subscription services available, which makes them a good budget-friendly option if you want to try out new products without shelling out big bucks. 

Each box offers treats and toys (and replacement items if your dog isn’t happy)

You’ll get two toys, two bags of all-natural treats, and a themed chew toy each month. If your dog doesn’t like any item in the box, BarkBox will send your pup a replacement product free of charge. With 10% of BarkBox’s proceeds going to rescue organizations, you can feel even better about supplying your pooch with a monthly box of surprises.

Boxes are customized to your dog’s size

With BarkBox, you won’t have to struggle with a one-size-fits-all dog treat much too large for your little pooch’s mouth. Themed boxes are available in small, medium, and large, and there’s an option for heavy chewers called the Super Chewer box. All boxes are wheat-, soy-, and corn-free.

As an extra perk, BarkBox has a mobile app

All BarkBox treats are made in the United States or Canada, and there’s even a fun mobile app for you to use (available for iOS or Android). The only real downside to BarkBox is the absence of a treat subscription box for cats, but who knows what the future holds? 

BarkBox is slightly less expensive than PupBox

A one-month subscription costs $35 per box. If you opt for a six-month plan, it’ll cost $26 per box, and a 12-month plan costs $23 per box.

PupBox vs. BarkBox: Which is the best box for you?

PupBox and BarkBox both have a lot to offer, but which one reigns supreme? It depends. While both boxes are fantastic, you may want to opt for PupBox if you have a young puppy at home. With their useful training tips, you may even be able to save a few bucks on pricey obedience training courses for your pup.

BarkBox donates 10% of their proceeds to rescue charities, a fantastic way to help out pets in need. If making a charitable donation with your purchase is important to you, stick with BarkBox.

BarkBox is also the clear winner in terms of keeping up with the times. Their website is streamlined and easy to navigate, and the mobile app makes the process even easier. We also love BarkBox’s Super Chewer box option. 

Ultimately, the choice is yours. Subscription boxes are a fun way to discover new favorites, and your dog will love helping you unbox his monthly delivery. No matter which box you choose, you’ll receive nutritious treats and fun toys for your dog to enjoy, and you won’t have to spend a fortune, either. 

Does pet insurance cover spaying and neutering?

You’re probably here because you searched terms like “Does pet insurance cover neutering?” The answer is … it depends on your policy. Most pet insurance companies won’t cover sterilization if you have an accident-only or major medical insurance policy. Fortunately, several insurers offer wellness plans, which do cover routine visits and preventive care. Some companies consider spaying and neutering a routine or preventive procedure, so you won’t have to drop a ton of money. Let’s review the pros and cons of pet insurance wellness plans.

Pros:

• Wellness plans reimburse you for common procedures. Each insurer differs in what they offer, but wellness procedures you’ll be reimbursed for include physical exams, deworming, vaccinations, heartworm tests, microchipping, and (depending on the company) spaying and neutering.
• Good news: Some employers offer pet insurance as a company perk.
• If you have more than one pet, you could qualify for a multi-pet discount.

Cons:

• Some breeds are more expensive to insure, whether it’s a wellness plan or an accident-only plan.
• It costs more to insure older pets. For the best rates, insure your pet while he’s young and healthy.
• Insurance can be costly in general.

However, if your pet has a preexisting condition like a pyometra, spaying won’t be covered under any insurance policy. But that doesn’t mean you’re out of options. If you live in New York City, the Los Angeles area, or western North Carolina, you can reach out to the ASPCA’s spay and neuter services for help. 

If you don’t live in one of those areas, ask local animal shelters and veterinary offices about spaying and neutering services near you, as some clinics and animal shelters offer low-cost sterilization options. Don’t rule out finding help at big-name retailers, either. If you have a Petco store in your area, they might be able to help you find an affordable option. The PetSmart Charities database can also help you find spaying and neutering options in your area. 

When should you spay or neuter your pet?

With many pet insurance companies, you can enroll pets as young as six weeks of age. On the other hand, it’s recommended that you wait until your pet is at least six months old before spaying or neutering them. 

Younger pets tend to be hyper and playful, so they’re more likely than older pets to injure themselves during recovery. While some shelters will spay and neuter animals at a much younger age, it’s generally better to wait until your pet is six months old. If you’ve adopted an older pet, you can still have them spayed or neutered as long as the vet says they’re healthy enough for the procedure. 

Why should you spay or neuter your pets?

The process of sterilization in animals is called spaying or neutering. In male animals, neutering involves an operation known as an orchiectomy — testicle removal. When spaying female animals, they undergo a procedure called an ovariohysterectomy, in which the fallopian tubes, ovaries, and uterus are removed. 

While spaying and neutering can be expensive, these procedures are worth it in the long run. Here are a few reasons why:

• As adorable as puppies and kittens are, not everyone can care for an unexpected litter. Spaying and neutering your pets prevents those unexpected surprises.
• Males often mark their territory, which usually includes the walls, furniture, and sometimes even you. They also tend to run away from home in search of potential mates. Neutering your pets prevents them from spraying everything and attempting to escape to find a mate.
• For some pets, being spayed or neutered will also reduce aggression, which is an issue for many females in multi-pet households, especially female cats, as well as urinating outside designated areas and excessive barking or screeching.
• Your pet will be at less risk of certain health problems, too. The risk of benign prostatic hyperplasia and testicular cancer drops for neutered males. Spayed females are less likely to develop mammary infections like mastitis, uterine infections like pyometritis, mammary cancer, or uterine cancer.

Spaying and neutering your pets is the responsible thing to do, and there are options that can save you money, such as a health and wellness plan that covers sterilization. But there’s help to be found if the premiums are cost-prohibitive or your pet isn’t eligible. When in doubt, contact your veterinarian or seek help online. Unwanted pets are frequently euthanized, but if all pet parents spay and neuter their fur babies, there could be a day when this practice ends.