Should I Get Pet Insurance?

If you’re a pet owner, then you already know how much joy and love your furry friend brings to your life. But that doesn’t mean that owning a pet is always easy or cheap! Between vet bills, food costs, and other surprises that might pop up when caring for an animal companion, it can be helpful to have some kind of financial protection in place if something happens to your beloved feline or canine. That’s where pet insurance comes in: these plans can help cover the cost of necessary surgery after an accident or illness hits one of your pets. The question is: Do I need pet insurance?

And here’s my answer: Yes!

What does pet insurance cover?

If you’re considering pet insurance, you probably have a lot of questions. You may be wondering how much it costs and what is covered. Pet insurance policies vary quite a bit between providers, so before purchasing any policy it’s important to do your research on the specific details of each plan.

What does pet insurance cover? Pet insurance policies will vary in what they cover depending on which provider you choose. Generally speaking, most companies provide coverage for medical expenses related to accidents and illnesses in addition to routine wellness care such as vaccines or heartworm treatments. Some additional benefits include dental care, behavioral therapy (e.g., training courses), hospice care for terminally ill pets (e.g., chemotherapy), alternative therapies like acupuncture and massage therapy; genetic testing for hereditary conditions; prescription diets; travel vaccinations; diagnostic tests like X-rays and ultrasounds; hospitalization fees after accidents or injuries sustained during an emergency visit at another clinic outside of normal office hours). However—and this is key—each policy will differ from one another in terms of exactly which services are covered under “accidental injury” versus “routine wellness” categories.

Do I need pet insurance for my cat or dog?

The answer depends on your lifestyle and the kind of health care you want for your pet. Pet insurance is an expensive yearly fee to pay, but it can be helpful if you are planning to have your pet for a long time, if you have a pet with a chronic condition or need surgery—heck, even if none of these apply.

How do I choose a pet insurance plan?

  • Look for a plan that covers the most common problems. If you want to be sure your dog or cat is covered for common procedures and ailments, look for an insurer that offers coverage for those things.
  • Look for a plan with high reimbursement rates. Compare reimbursement rates from various insurers and find out which one has the highest rate based on what your pet needs (for example, hip replacement surgery will have a higher reimbursement rate than eye exams).
  • Look for a low deductible and monthly cost. A high deductible can be difficult to meet if your pet gets injured or sick often—so look for plans with low deductibles so that it’s worth it to keep paying into the plan each month.

How much does pet insurance cost?

The cost of pet insurance depends on the type of coverage you choose, the age and breed of your pet and where you live. Some companies offer discounted rates for certain breeds or for pets who have been spayed or neutered.

  • Basic plans typically cost around $20 to $30 per month for each pet, but as with human health insurance premiums, you may be able to get a better deal by purchasing multiple policies from one provider.
  • The most basic plans cover accidents only; comprehensive policies cover illnesses as well as accidents. You’ll pay more for comprehensive coverage because it includes preventive care services like checkups and vaccinations that reduce the chances your animal will get sick in the first place—and thus won’t need to go through expensive treatments later on down the road.

What’s the difference between pet health insurance and welfare organizations?

Pet health insurance is a great option if you’re looking to cover routine and preventative care for your pet, but it doesn’t cover emergency treatments or costly surgeries. If you have an emergency, you’ll need to pay for the treatment yourself and submit proof of payment to the pet health insurance company—they’ll reimburse you after they review your claim.

Welfare organizations are nonprofit organizations that provide financial assistance for veterinary care when a vet determines that your pet needs treatment but doesn’t have enough money to pay for it. They also provide food, supplies such as leashes and collars, grooming services, temporary foster homes while people go on vacation (with their pets), training courses like puppy kindergarten classes or clicker training classes at home with a certified trainer…the list goes on!

What’s the difference between wellness and accident plans?

When it comes to pet insurance, most companies offer two main coverage options: accident or wellness. For example, Trupanion offers an Accident Plan that covers injuries and illnesses caused by accidents (like being hit by a car), while their Wellness Plan covers preventative care like annual check-ups. The difference between these two plans is simple: while all dogs will eventually get sick or have an accident, you don’t want to be paying extra money out of pocket for preventive care if there isn’t a chance of something happening later on. If your dog has no history of serious health problems or specific conditions that require regular check-ups, then getting a wellness plan may be too much unnecessary cost with minimal benefit.

Pet insurance can help cover the costs of necessary surgery for your dog or cat.

Pet insurance can help cover the costs of necessary surgery for your dog or cat. If you have ever had to pay for emergency care, regular care, preventive care and prescription drugs for your pet, you know how expensive it can be. Pet insurance can help you save money on these expenses by providing a reimbursement if something happens to your pet.

If there’s a chance that your dog or cat will need surgery in their lifetime, pet insurance might be worth investing in.


Pet insurance can be a good idea for many people. It’s important to know what your pet insurance covers, but it’s also important to know what it doesn’t cover. There are certain things that you may think will be covered by pet insurance but aren’t. For example, if you have an accident while walking your dog or cat on a leash, this would not be covered by most plans—only accidents that happen in the home or car would fall under this protection plan.

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