Pet Insurance and Behavioral Problems

Nov 26, 2021 | Personal Insurance

As fur parents, we love our pets and treat them like members of the family. Dogs acting out, cats acting strange, and birds who won’t sing: these things happen to even the best-trained animals. Here are some tips on making sure your pet insurance covers behavioral problems.

Learn how pet insurance works in this video.

Evaluate Pet Behavioral Issue

Before deciding to get pet insurance, it is essential to evaluate your pet’s behavioral issues. Determining if the problem can be covered by a policy is also important. Pets with behavioral problems may benefit from prescription medications or surgery, which are not part of most policies. If you feel your pet needs coverage, investigate what caused the problem.

In case your dog’s behavior is caused by an injury or sickness, it may not be a pre-existing condition. If this is the case, the condition may be covered by pet insurance. Your coverage might also cover a pet’s breed-specific behavior issue.

Pet Insurance Coverage

  • Pet insurance does not cover pre-existing conditions.
  • Pet insurance does not cover behavioral issues that arise from abuse or neglect of your pet.
  • Insurance won’t cover the cost of treating a pet’s bad behavior if it was caused by neglect or abuse.

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Behavioral problems are temporary

Behavior problems in pets are often temporary and treatable. When you let them persist for too long, they can become permanent and ruin your life. It’s important to remember that your pet’s behavior problem is not a reflection on you as a pet owner or person.

If your pet has a behavioral problem, don’t wait around—get help today. You could have an angry neighbor who starts filing noise complaints against you. Or maybe one day, while playing fetch with his ball in the backyard, he starts growling at everyone who passes by.

Shop around

While you’re at it, compare pet insurance quotes and policies. Be sure to check whether or not coverage includes behavioral problems and, if so, which ones are covered. You should also look for companies with a proven track record of being reliable and trustworthy (after all, when you’re spending thousands on your pet every year, you want to know that the company will honor its promises).

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Consider a rider

  • A rider is an additional feature that you can add to your policy for no extra cost.
  • It’s like buying a car, then adding features when you get home from the dealership (like satellite radio or a sunroof).
  • Riders offer additional coverage options at no extra charge, so they’re always worth considering!
  • But there are some limitations: riders are optional, so if you don’t purchase one, there is no coverage under a standard pet insurance policy.

Take it slow and make changes gradually

If you want your dog to stop jumping on people, don’t try teaching them how to calmly walk through the door. Instead, start with something simple, like rewarding them when they sit calmly when someone comes into the house. This requires a lot more training than changing one thing at a time. Keep track of what works and what doesn’t so that next time around, things go more smoothly for both of you!

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Remember, you aren’t alone

You aren’t alone. Pet insurance is a growing industry, and there are more resources than you might think when dealing with behavioral problems. In fact, many pet owners have dealt with these issues before, so they can offer advice on how to handle the situation.

If your dog is biting, don’t hesitate to take him to a trainer or veterinarian for help. If you have trouble getting him into his crate at night, consider putting his favorite toy in there as a reward for learning to relax in his den for bedtime. The more positive reinforcement you give your pet, the better his chances are they behave well around other people and animals in public places!

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Consult your vet and be proactive when addressing potential behavioral issues with your pet.

The best way to address behavioral issues with your pet is by consulting with a veterinary professional. Suppose you need more clarification about the problem or have any questions regarding treatment options. In that case, it’s important to get help from a vet who can give you expert advice and direction.

The sooner you start to deal with possible problems, the more likely it is that they can find a solution before they get worse or turn into full-blown behavior problems that hurt your relationship with your pet.

Has your mom ever lectured you about getting pet insurance?
Read about what mine told me here:
Why Mom Was Right About Pet Insurance


Pet insurance is a great way to help manage the cost of behavioral problems. But it’s only one piece of the puzzle and may not be suitable for every pet or owner. If you decide this option is right for you, remember that there are plenty of companies offering different levels of coverage at various price points—so shop around! And if all else fails, “well, it’s time to adopt another furry friend into your family.”

Let our team get your furry family member covered. Call or text Advantage Insurance Solutions at (877) 658-2472 today!

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