Whippet Dog Insurance

Whippet Dog Insurance Comparison Made Easy!

Whippets are elegant, friendly, and agile pups. They are the best choice if you are looking for a combination of elegance and an energetic dog. The Whippet dog breed is also famous for its size, making them ideal companions among first-time dog owners. Looking after a dog could be tough, so why not share the burden with pet insurance providers? It’s much easier to manage your dogs’ health care and other important needs by choosing a suitable coverage.

Why do you need to get Whippets insurance?

Whippets are more prone to genetic health-related issues as they belong to purebred dogs. Mixed breeds are less risky for heredity health problems. This is why it is essential to buy suitable insurance your Whippets need and deserve. Insurance helps protect your beloved companions from any unexpected health problems. Depending on the type of policy you have opted for, almost 70 to 90 % of veterinary treatment expenses can be recovered via claims.

Whether you own a Whippet puppy or an older dog, you are responsible for providing them with needed medical attention.  Ensure your dogs live a happy and healthy life by giving them proper access to healthcare facilities. Dog insurance policies aid in hedging financial risk if something happens to your beloved pups.  Furthermore, pet insurance enables peace of mind that your furry companions are safe and protected from unexpected health concerns as it offers cover for diseases.

What types of insurance plans suit Whippet?

When it comes to Whippet insurance policies, you have four main policy options to choose from. Each policy has its own perks and distinct prices. Here’s a brief detail about each type of dog insurance policy:

Lifetime Insurance

As the name suggests, this insurance policy covers your Whippets for its lifetime subject to annual renewal. Lifetime insurance allows:

• Coverage for Accidental injuries,
• Coverage for Health-related problems, and
• Options to add on further services such as boarding fees, international travel, missing pets, liability cover, etc.

Few insurance companies allow access to preventive care facilities such as dental cover, flea treatment, vaccinations etc at discounted prices if you buy lifetime or other insurance policies.

Some common exceptions in lifetime insurance policies include:

• No coverage for pre-existing conditions.
• No coverage for illness or injuries during the waiting period.

A maximum amount is set for each health problem or injury due to an accident in lifetime insurance. Any amount over and above that limit cannot be claimed till the year’s end. Once a new year begins, the claimed amount automatically resets to zero allowing you to claim further amounts. This type of insurance policy is suitable for whippets suffering from ongoing health conditions. Lifetime insurance requires annual renewal by paying a subscription fee.

Maximum Benefit Policy

This insurance policy is a bit cheaper than lifetime coverage but more expensive than time-limited and accident-only insurance. In this policy, a pre-set amount is decided for each health condition or injury your dog may suffer from. You can claim for veterinary treatment expenditures as long as the amount set doesn’t expire. Contrary to lifetime insurance, this policy doesn’t allow further claims for a health condition whose vet fee limit has expired even after policy renewal. You can claim for disease, genetic health conditions, and injuries in maximum benefit insurance.

Maximum benefit insurance can last a few months to a lifetime, depending on how much you claim for a specific health condition. Exceptions for this policy are the same as lifetime insurance.

Time-Limited Coverage

A time-limited insurance provides coverage for each health issue for a specified period only, usually 12 months. So, this type of insurance coverage places two caps on pet owners. I.e.,

• Limited Budget
• Limited Time

Whichever limit reaches first, the insurance coverage for that condition is no longer available. In rather simpler words, if the time reaches, or you hit the budget limit for health issues, you cannot claim more amount. Time-limited insurance policy is not suitable for dogs who are suffering from ongoing health issues. The health conditions covered in insurance may vary from company to company.

Accident-Only Insurance

This type of insurance policy only covers dogs for accident-related expenses and that too up to a specified financial limit. Accident-only policy is the cheapest form of insurance available for dogs, as it covers costs related to accidents only. You cannot claim any other costs such as illness or health problems by opting for this type of insurance.

All costs associated with accidental recovery are claimable in this insurance policy. These expenses may include:

• Vet Checkups,
• Medication,
• Surgery Fees, and
• Physiotherapy

However, the budget for accidental injuries is limited, and you cannot claim any amount more than a pre-decided limit you selected while opting an insurance. There are two types of accident-only insurance i.e., annual accidental coverage and lifetime accident-only insurance. You can choose any of these options considering finances and essential needs of your dog.

Is it possible to get insurance for older Whippets?

It is difficult to find whippets insurance that have crossed a certain age limit. This limit is not a benchmark as different service providers might consider different ages for older dog insurance. Older dog insurance is usually tough to find and expensive as well. This is because insurance entities anticipate more health risks for senior dogs. This makes it harder to find a suitable insurance policy for Whippets above a certain age experiencing health issues.

Furthermore, insurance entities do not allow coverage for pre-existing conditions dogs may have. That’s why it is advisable to stay with one insurance provider for longer, especially for older age dogs. Once you shift from one service provider to another, all previously diagnosed issues will be treated as pre-existing conditions that are not covered. Moreover, it is difficult to find a suitable older dog policy as they only cover a few illnesses and the veterinary fee limit is also less due to the high risk.

Which factors influence the price of Whippet Insurance?

Whippet dog insurance premium price is calculated considering the impact of various factors. Dog insurance companies consider the influence of these different factors in deciding the premium.  Here’s a brief detail of how cost varies:

Breed: Insurance premiums for mixed dog breeds are lower than purebred dogs. If you own a purebred Whippet dog, then buying insurance might cost you more.

Age: The insurance cost varies with the age of your Whippet dog. The lower the age, the lesser will be the cost. Therefore insurance providers charge high premiums for dogs who are about to hit older age.

Locality: The area where you reside may also impact insurance premium charges. This is because some areas are considered high risk because of susceptibility to being stolen/theft. Insurance companies usually allow to claim costs for finding missing pets. Therefore, people living in those areas are charged high insurance expenses.

Type of Cover: Insurance price varies with the type of coverage you opt for. An insurance policy (such as lifetime) that offers maximum coverage for Whippet is more costly than others which allow only basic protection.

Insurance Entity: The premium fee varies from one company to another. So, you need to decide which company is better for dog insurance by considering the costs of coverage policies.

What is the cost of Whippet Insurance Policies?

The cost of dog insurance policies is difficult to estimate as multiple factors influence it and the combined effect of all factors is considered to decide the best price. Purebred dogs are more costly to insure than mixed breeds as there is a high risk of genetic health issues. Some other important factors that might impact insurance premium expenses are:

Breed: Some breeds such as Cavalier King Charles Spaniels, German Shepherds, Labrador Retriever, Cocker Spaniels, and English Bulldogs are more prone to health issues.

Age: Insurance for puppies is comparatively cheaper than for old dogs. However, if your Whippet is a senior dog, the insurance premium is likely to be high.

Type of Insurance: The coverage type you choose is the main factor that influences price. Some policies like lifetime and maximum benefit insurance are among the top two expensive coverage available for dogs. However, you can go for a time-limited or accident-only policy to get a cheaper service.

Medical History: If your dog has a known history of multiple health issues in past, the insurance company might charge you more. However, dogs who are vaccinated and healthy are cheaper to insure.

Area: The area where you reside could also impact the price of dog insurance. Some localities are at high risk due to more pet theft incidents. Veterinary care facilities in some areas are expensive, therefore insurance might charge a high premium fee.

Insurance Company: Insurance prices differ from one entity to another. You must compare prices offered by different entities to find cheap dog insurance for your Whippets.

How to get cheap Whippet Dog insurance?

To get cheap Whippet insurance, you need to understand your dog’s needs and then decide the type of coverage accordingly. Moreover, you must consider the budget to find a suitable policy that meets the expected price you can easily manage. Here are a few tips you can do to reduce the Whippet insurance price:

Compare Insurance Premiums

Whenever you buy insurance, it’s better to compare the price to find a quality service that meets your dog’s needs. Comparing insurance premium expenditures across different service providers helps to finalize a most economic deal. We can help you find the best price by comparing dog insurance policies available at your location.

Identify the Cheapest Coverage

Insurance premium price also depends on the type of policy you select for your Whippets. Some policies are more expensive than others because of the extent of coverage and vet fee limit it has. So, you must be careful while choosing a policy and try to select an insurance type which allows needed coverage for a minimum price.

Negotiate to Get Discounts

Insurance companies offer multi-dog discounts to insure multiple pets together. If you have only one dog, negotiate with service providers to allow you loyalty or first-time discounts. Discounts help reduce the overall cost of pet insurance. You can reclaim the discounts every year while renewing the insurance policy.

Increase Excess Payment

You can decide on a higher excess payment to lower the cost of insurance. When you choose a high excess option, you agree to contribute more towards a vet bill. It will reduce the amount you can claim from the insurance company. In this way, the insurance entities have to bear fewer expenses. Therefore they charge you a low insurance price. However, make sure not to choose an excess level you can’t afford.

Frequently Asked Questions

Why older Whippets are more expensive to insure than younger ones?

Whippets above a certain age limit ( decided by the insurance companies) are expensive to insure. This is because older dogs are more susceptible to suffering from health issues and viral infections. It makes the older whippet dog insurance more costly than younger dogs.

What is included in Whippet insurance?

The extent of coverage you get by taking out Whippet insurance depends on the type of coverage. However, insurance policies usually allow coverage for emergencies, illnesses, injuries, missing pets, third-party liabilities, kennel fees etc.

What is not part of Whippet insurance?

By opting for Whippet insurance coverage, you cannot claim any costs related to pre-existing health issues, vaccinations, microchipping fees, routine vet checkups, dental care, preventive care expenses, pregnancy or birth-related costs. If you want to get coverage for pre-existing conditions, then buy a tailored or specialist insurance policy for your dogs.

How does dog insurance work?

Whenever your dog gets diagnosed with a health problem, you can claim the veterinary treatment expense from the insurance company. For this, you need to submit a Veterinary treatment bill by logging into the official website of your dog insurance company. Some insurance entities allow you to get free treatment ( up to a pre-defined limit) from their authorised veterinarians. So, you do not need to claim the fee again and again.

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