In this guide, we’ll explore the most common inclusions in dog insurance policies, how they vary across providers, and what to look for to ensure your plan truly supports your dog’s needs and your budget.
What Are “Inclusions” in Dog Insurance?
Inclusions refer to the veterinary expenses, treatments, and services your insurer will reimburse based on your policy. These may include accidents, illnesses, medications, diagnostic testing, and even alternative therapies, depending on your chosen plan.
Dog insurance policies generally fall into two main categories:
- Accident-only plans: Cover sudden injuries or emergencies but not illnesses.
- Comprehensive plans: Cover both accidents and illnesses, plus diagnostics, prescriptions, and other care services.
The broader your policy’s inclusions, the more protection you’ll have—but this also means a higher monthly premium.
Most Common Dog Insurance Inclusions
1. Accidents and Emergency Care
Nearly all policies include coverage for unexpected accidents, such as:
- Broken bones or ligament injuries
- Poisoning or toxic ingestion
- Bite wounds or lacerations
- Car accidents or trauma
This type of coverage forms the foundation of most dog insurance policies and can be life-saving in emergencies.
2. Illnesses and Chronic Conditions
Comprehensive plans typically include illnesses and chronic conditions such as:
- Allergies and skin infections
- Arthritis or joint disorders
- Digestive and urinary tract issues
- Diabetes, cancer, or heart disease
Chronic conditions are usually covered if they weren’t diagnosed before enrollment—making early sign-up especially important for long-term protection.
3. Diagnostic Testing
Many policies cover diagnostic exams and lab work that help identify or monitor health issues, including:
- X-rays and ultrasounds
- Blood tests and biopsies
- CT scans and MRIs (included in higher-tier plans)
Diagnostics are vital for detecting conditions early, improving treatment outcomes, and helping you manage costs over time.
4. Surgeries and Hospitalization
If your dog requires surgery or hospital care, most plans will include coverage for:
- Tumor or mass removals
- Foreign object removal (common with curious dogs)
- Wound repair and sutures
- Pre- and post-operative care, anesthesia, and hospitalization
Some wellness add-ons may also include elective surgeries like spaying or neutering, though these are not part of standard accident-and-illness coverage.
5. Prescription Medications
Covered medications often include:
- Antibiotics and pain relief drugs
- Allergy and anti-inflammatory medications
- Insulin or thyroid medications
- Prescription treatments for chronic conditions
Plans that include medication coverage can help reduce recurring costs for dogs with long-term health needs.
6. Hereditary and Congenital Conditions
Many breeds are predisposed to hereditary conditions. Good dog insurance policies often include:
- Hip or elbow dysplasia (common in large breeds)
- Heart defects or valve disease
- Intervertebral disc disease (IVDD)
- Eye or dental abnormalities in specific breeds
These inclusions often require early enrollment and a waiting period, but they’re critical for breeds with known genetic risks.
Wellness and Preventive Care: Are They Included?
Routine care such as vaccinations, annual exams, and dental cleanings are typically not part of standard accident and illness plans. However, many insurers offer optional wellness add-ons that may include:
- Annual wellness exams
- Vaccinations and boosters
- Flea, tick, and heartworm prevention
- Dental cleaning and microchipping
These add-ons can make budgeting easier for predictable yearly care, but it’s wise to compare their cost against your usual vet expenses.
Specialized Inclusions Worth Noting
Premium plans may also include additional benefits such as:
- Behavioral therapy: For issues like separation anxiety or aggression
- Alternative treatments: Acupuncture, hydrotherapy, or chiropractic care
- Tele-vet consultations: Access to virtual care and after-hours advice
- End-of-life services: Euthanasia, cremation, or burial assistance
These inclusions provide extra support during complex health situations and enhance your overall coverage experience.
How to Read an Insurance Plan’s Inclusions
Before enrolling, carefully review your policy’s “Covered Treatments” or “What’s Included” section. If any terms are unclear, request clarification or a sample policy from the provider. A transparent insurer should clearly outline every inclusion, along with applicable limits or exclusions.
Checklist of Inclusions to Look For:
- Accident and emergency care
- Illness and diagnostic testing
- Surgery and hospitalization
- Prescription medication
- Hereditary and chronic conditions
- Optional wellness coverage
Why Inclusions Matter for Long-Term Dog Care
Your dog’s health needs evolve with age. A puppy might only need basic care now, but over time could face joint issues, allergies, or chronic illnesses. Choosing a policy with broad inclusions ensures you’re protected no matter what stage of life your dog is in.
Comprehensive inclusions also reduce the risk of switching insurers later, which could trigger new waiting periods or exclude pre-existing conditions. The right plan provides consistent, lifelong protection.
Review Inclusions Before You Enroll
Dog insurance isn’t just about finding the lowest premium—it’s about knowing what’s truly covered. By understanding a policy’s inclusions, you can make a confident, informed decision that protects your dog’s health and your wallet.
Whether you’re raising a playful puppy or caring for a senior dog, make sure your coverage reflects their specific needs. True peace of mind doesn’t come from hoping your plan is enough—it comes from knowing it is.
Want to learn more about what dog insurance covers and how to choose the right plan? Visit our Dog Insurance FAQ for expert insights and helpful answers.
