Our Best Dog Insurance Picks for Great Danes

Best Dog Insurance Plans

Our top three picks for 2012 are based on the following criteria.

• Affordability.
• Customization of policy deductables & co-pays.
• Genetic & hereditary conditions.
• Yearly or per incident maximums (Caps).
• Pay out structure.
• Customer service.
• Client reviews & feedback.

All plans pay for major illnesses and injuries so you're not forced to "make a choice" due to financial constraints.

We're all aware about the cost of yearly routine medical bills when we bought our dogs. It's things like bloat, hip dysplasia, ligament tears, cancers, diseases, cardiomyopathy and catastrophic injuries that will cost you dearly. These unexpected expenses are what all pet owners fear.

Since Great Danes can be riddled with health issues, we highly recommend some sort of medical insurance and published this page to share the best dog insurance plans available for 2012.

Embrace Pet Insurance covers accidents, illnesses, diagnostic tests and offers a full coverage plan that's fully customizable to suit your budget.

There's also an accident only plan which protects you from major medical costs in times of tragedy.

You may set your annual maximum payout, deductable and co-insurance to a limit that best suits your needs and budget.

• Covers genetic and breed specific conditions, i.e., bloat!
• Covers hip dysplasia.
• Wellness & routine care coverage (optional).
• Covers cancer treatment & chronic conditions.
• Alternative therapies and rehabilitation.
• Rx drug coverage, dental rewards & wellness rewards (optional)
• Annual policy limit is yearly not "per incident".
• Max payout annually $5,000, $10,000 or $15,000.
• Max lifetime payout $50,000.

Embrace Pet Insurance provides a solid level of protection and allows you to select coverages which affects the monthly premium and keeps your budget in check.

Underwritten by RLI Insurance which has an A+ rating from A.M. Best., there should be zero issues with claim reimbursement for the life of your pet.

Pet Insurance from Purina received the AAHA (American Animal Hospital Association) Seal of Acceptance and offers three levels of coverage.

You choose your plan deductables & co-insurance limits to best suits your needs and monthly premium.

• Three levels of coverage from "accident only" through full "preventive care".
• Ultra fast payment on claims.
• Covers chronic disease, hereditary & congenital conditions, Cancer & breed specific conditions.
• Coverage available for behavioral issues.
• Limited dental coverage available.
• Use your Veterinarian of choice.
• Claim reimbursement based on "actual veterinary cost" not a schedule.
• Annual policy limit is yearly not "per incident".
• Max policy pay out is $20,000 per year after deductable.

In summary Pet Insurance from Purina is a simple plan that covers everything we need for our Danes. The plan is easy to customize to suit your individual budget and underwritten by CSI (Central States Indemnity) which has an A+ rating from A.M. Best. There should never be a problem with your claim being paid :)

Trupanion Pet & Dog Insurance received AHHA's Seal of Acceptance and pays 90% with no benefits cap.

Trupanion's Dog Health Insurance plan is my personal favorite as I consider routine Veterinary costs and vaccinations customary expenses of dog ownership.

Trupanion covers illnesses and diseases including genetic, hereditary and acquired issues. They also cover accidents and have no per-year or lifetime cap!

As long as you make it through the waiting period after you sign on, you're covered and they pay 90% of your Veterinary bill. You need to buy an additional rider for hip dysplasia yet you can remove it from your policy once your puppy reaches maturity and the hips are cleared by your Vet!

• Trupanion Pet Insurance was the first pet plan to receive the AAHA (American Animal Hospital Association) Seal of Acceptance.
• Trupanion covers Veterinary cost, tests, procedures and surgery for accidents, illnesses and diseases including congenital and hereditary conditions.
• Optional rider available to cover hip dysplasia and can be cancelled once your dog matures and hips are cleared.
• Waiting period is 5-days for accidents & 30-days for illnesses.
• Enroll as early as 8-weeks, no Vet check required for a new puppy
• Claims paid are 90% of actual Vet invoice, not 90% of a "reasonable and customary" schedule like many insurers.
• Deductables from 0 to $1000.00 to achieve a monthly premium that works for you.
• No per incident, yearly or lifetime payout caps.
• Use the Licensed Veterinarian of Your Choice.
• Fast claim reimbursement, typically a check is in the mail within 7-days.

Trupanion is one of the simplest plans available that pays 90% of your Veterinary bill with no yearly or lifetime cap!

Important

While I've spent countless hours reviewing over a dozen health insurance plans, it's important that you do some research also. If you have ever shopped for dog medical insurance, or any kind of insurance, you know about the the fine print. These terms and conditions define coverage's, exclusions, pre-existing conditions, elective procedures, waiting periods, payout caps, yearly caps, per occurrence allowances, breed specific surcharges "i.e. Great Danes", older dog limitations and more. Please take ample time to understand your coverage.

For additional dog health insurance facts, don't miss this article.