Best Pet Insurance Plans For Shiba Inus In 2025

Check Whether Your Pet Is Eligible

Puppies and kittens typically must be 6 to 10 weeks old to qualify for insurance, depending on the insurer. Older pets might not be eligible for initial enrollment or could be limited to accident coverage. Once enrolled, most plans guarantee lifelong coverage with ongoing premium payments.

Research What’s Covered

Pet insurance commonly covers expenses like surgery, hospitalization, and medications if your pet gets sick or injured. But some companies charge extra or won’t cover specific services. Examples include:

• Exam fees: Plans may cover X-rays and surgery but leave out the vet’s exam fee.
• Alternative therapies: Some plans include acupuncture and physical therapy, while others do not.
• Behavioral treatment: Not every policy covers therapy for behavioral problems like aggression.
• Prescription diets: Some plans exclude vet-prescribed food or supplements.
• Dental care: Coverage varies widely. Some plans may only cover dental conditions like gingivitis if your pet had a recent cleaning, while wellness plans might cover routine cleanings.

Pre-existing conditions, cosmetic procedures, and breeding expenses are generally not covered.

Decide How Much Coverage You Want

Many pet insurance policies have a yearly payout limit, though some do not. You must determine the amount that gives you peace of mind for covering veterinary expenses. If your pet is generally healthy, you may only need to cover routine care costs for years. However, unexpected surgeries or major illnesses could lead to significant expenses.

Understand Reimbursements And Deductibles

Pet insurance plans generally cover a percentage of your vet bill, allowing you to choose options like 70%, 80%, or 90% reimbursement.

Other plans might pay what the insurance company considers a standard fee for certain treatments, which may be lower than your vet’s charges, leaving you to pay the difference.

Most plans also include a deductible, which is the amount you pay before the insurance starts covering costs. Deductibles usually range from $100 to $250 or more. Some policies apply this per illness or injury, while others reset it annually.

A lower deductible and higher reimbursement rate usually mean higher premiums, while a higher deductible and lower reimbursement rate can lower your premiums.

Check Waiting Periods

Many insurance plans have a brief waiting period, usually about 14 days from policy purchase, before they cover general accident and illness treatments. No medical expenses are reimbursed during this initial period. Some plans impose longer waiting periods for specific conditions such as cruciate ligament injuries, which are common orthopedic issues in dogs. Cruciate ligaments are vital for knee stability, and damage to them can impair a dog’s mobility.

Examine Extra Costs

Several pet insurance companies offer coverage for routine services such as vet visits and vaccinations. To decide if it’s worth it, compare the annual cost of the wellness plan with what you’d pay out of pocket each year for these services. Check the details, as coverage for wellness benefits varies by insurer.

Compare Quotes

Pet insurance costs vary according to the insurer and the extent of coverage chosen. Certain pet insurers provide discounts, such as lower premiums for insuring multiple pets. Nevertheless, a discount doesn’t necessarily mean it’s the most advantageous choice. To discover the optimal pet insurance, evaluate quotes from multiple plans with similar coverage levels, deductibles, and reimbursement limits.