Does Insurance Cover Diabetic Alert Dogs and Their Costs

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Insurance coverage for diabetic alert dogs can be a complex topic. Some insurance companies may cover the costs of diabetic alert dogs, but it depends on the specific policy and provider.

According to article section facts, some insurance companies, such as Blue Cross Blue Shield and UnitedHealthcare, may cover the costs of diabetic alert dogs under certain circumstances. However, this is not a guarantee and each case is evaluated individually.

The costs of owning a diabetic alert dog can be high, ranging from $5,000 to $50,000 or more. This includes the initial cost of purchasing the dog, as well as ongoing expenses such as training and veterinary care.

In some cases, insurance may cover a portion of these costs, but it's essential to review your policy carefully to understand what is covered and what is not.

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What Insurance Covers

Insurance policies can vary, but some cover assistance animals, including diabetic alert dogs, under the category of service animals.

Credit: youtube.com, Diabetic Alert Dog Q&A Training Videos - Does Insurance Cover Diabetic Alert Dogs

The Americans with Disabilities Act (ADA) defines service animals as animals that are individually trained to perform specific tasks for people with disabilities, which includes diabetes.

Some health insurance plans cover the costs of training and purchasing a service animal, such as a diabetic alert dog, as a medical expense.

The cost of a diabetic alert dog can range from $10,000 to $20,000, and some insurance policies may cover these costs as part of a larger medical plan.

In some cases, insurance policies may require proof that the diabetic alert dog is necessary for the individual's medical treatment.

Training and Responsibilities

Training a diabetic alert dog requires specialized methods, including those used by the Federal Bureau of Investigation (FBI) and the Bureau of Alcohol, Tobacco, Firearms and Explosives (ATF) to train scent detection in dogs.

These dogs are trained to detect a change in smell from their owner, indicating lower or higher blood sugar levels than normal.

A diabetic alert dog can be trained to perform a variety of responsibilities, including detecting low or high blood sugar levels.

These dogs can even carry sugary foods or insulin in their harnesses, making medical supplies quick and convenient for people with type 1 diabetes.

Cost and Availability

Credit: youtube.com, Preview: Service dogs for diabetics or just pricey pets?

The cost of adopting a diabetic alert dog can be steep, ranging from $8,000 to $20,000.

This price tag is due to the extensive training involved in preparing these dogs for service.

Unfortunately, most insurance plans, including Medicare and Medicaid, do not cover the cost of service animals.

Certain groups may be able to provide dogs to patients for free if they meet specific criteria.

Understanding the Process

Diabetic alert dogs are trained to detect a change in smell from their owner, indicating lower or higher blood sugar levels than normal.

The training process for these dogs is rigorous and involves methods similar to those used by law enforcement agencies to train scent detection in dogs.

A typical training program for a diabetic alert dog can cost upwards of $20,000, although some sources cite the price tag as high as $50,000.

These dogs are trained to recognize symptoms of fluctuating blood sugar, sometimes both highs and lows, and alert their charge to their condition, even waking a sleeping person should the need arise.

Understanding the Process

Service dogs in front of an airplane at an airport
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To get a diabetic alert dog, you must have some form of diabetes, either type 1, type 2, or even gestational.

Dogs are trained using the same methods as the Federal Bureau of Investigation (FBI) and the Bureau of Alcohol, Tobacco, Firearms and Explosives (ATF) to train scent detection in dogs.

A diabetic alert dog is trained to detect a change in smell from their owner, indicating lower or higher blood sugar levels than normal.

The dog can alert their owner and let them know something is wrong, whether that means taking some insulin for hyperglycemia (high blood sugar) or getting a sugary snack to avert hypoglycemia (low blood sugar).

Dogs have an incredible sense of smell, and they can smell a change in their owner's blood sugar levels by recognizing changes in the scent of sweat or saliva.

Many groups train and provide diabetic alert dogs, including Diabetic Alert Dogs of America, Little Angels Service Dogs, and the Ron Santo Foundation.

Unrecognizable ethnic man training purebred dog sitting on floor
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You can also consider getting your dog trained by accredited professionals, like Service Dog Training International, to learn the commands it needs to best support someone with diabetes.

Diabetic alert service dogs can be trained to complete different tasks besides recognizing and alerting to blood sugar levels, and they can even carry sugary foods or insulin in their harnesses.

The Petition

The petition is a call to action, urging health insurance providers to add diabetic alert dogs to their policies. Lives are on the line, and the cost of these life-saving companions is a significant barrier for many diabetics.

Diabetic alert dogs are trained to recognize symptoms of fluctuating blood sugar, sometimes both highs and lows, and alert their charge to their condition. This is especially crucial for those who suffer from Hypoglycemic Unawareness, a condition that prevents diabetics from feeling when their blood sugar is rapidly falling or is dangerously low.

Brown Boxer Dog With Orange Black Powerdog Vest
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The cost of training a diabetic alert dog can be massive, with some estimates ranging from $20,000 to $50,000. This enormous price tag can prevent many diabetics from acquiring the service dog assistance they require.

Diabetic alert dogs are not just a luxury, but a necessity for many diabetics. They can make a significant difference in the lives of those who suffer from this condition.

Truth or Hype

Diabetic alert dogs have been touted as a game-changer for people with type 1 diabetes, but are they truly effective?

A recent study found that diabetic service dogs were responsive to about 83% of hypoglycemic episodes and 67% of hyperglycemic episodes.

The accuracy of these dogs is lower than that of a continuous glucose monitor (CGM), which is about 95% accurate.

But what's often overlooked is the emotional support and comfort that comes with having a diabetic-alert dog.

While we might not know too much about the science of sniffing out blood sugar, we do know how dogs can affect human beings.

Dogs can increase psychological and emotional functioning, both from being trained to complete certain tasks and from acting as a companion.

Frequently Asked Questions

How do you qualify for a diabetic alert dog?

To qualify for a diabetic alert dog, you must have Type 1 diabetes complicated by hypoglycemic unawareness and be at least 18 years old. You'll also need to demonstrate financial and physical ability to care for the dog after certification.

Tasha Schumm

Junior Writer

Tasha Schumm is a skilled writer with a passion for simplifying complex topics. With a focus on corporate taxation, business taxes, and related subjects, Tasha has established herself as a knowledgeable and engaging voice in the industry. Her articles cover a range of topics, from in-depth explanations of corporate taxation in the United States to informative lists and definitions of key business terms.

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