New puppy, first weeks
The insurance decisions that are easier now than later.
A new puppy comes with a long list, and insurance usually sits near the bottom of it. It's worth moving up, for one specific reason.
Pet insurance generally excludes conditions that existed before coverage began. Every week a puppy is uninsured is a week something could be noted in their records and excluded afterwards.
Why timing matters more here than anywhere else
With most insurance, waiting costs you money. With pet insurance, waiting can cost you coverage.
A puppy with no medical history is the easiest animal to insure there is. Once a condition appears in their records, it's generally excluded from any policy you buy afterwards — for life.
Decide these four settings
Almost all of the difference between plans lives here:
- Reimbursement rate — the share of a covered bill the plan pays
- Deductible — and whether it's annual or per condition
- Annual limit — or whether the plan is unlimited
- Waiting periods — often different for accidents, illnesses, and specific conditions
Ask about breed-linked conditions specifically
Many breeds have documented predispositions, and whether hereditary and congenital conditions are covered varies significantly between insurers.
For a breed with known issues, this single question matters more than the premium. Get the answer in writing before enrolling.
The rest of the first-weeks list
- Register with a vet and get the first check-up on record
- Ask the breeder or shelter for any medical history that exists
- Decide whether routine care coverage is worth it for you
- Set a reminder to review the policy at the first renewal
Want this checked for your situation?
General information only. A licensed insurance professional can tell you what actually applies to you.
General information only, not insurance advice. Coverage, availability, and terms vary by insurer and by state. Quote My Policy LLC is a licensed insurance producer.