Is Pet Insurance Worth it? 

What is Pet Insurance, and How Does it Work?

Pet insurance is a specific type of insurance that is designed to help lessen the financial burden of regular or unexpected veterinary care. Depending on your coverage and plan, pet insurance can cover the cost of veterinary treatments, including vaccinations, medications, check-ups, and in some cases, surgeries. Premiums are typically based on the age of your pet, the type of pet you have, and the exact coverage you choose.

Some breeds and animals will be more expensive than others to insure. For example, Neapolitan Mastiffs, Saint Bernards, English bulldogs, French bulldogs, Great Danes, and Rottweilers are some of the most expensive breeds to insure. This is due to the fact that they are prone to health issues. If you purchase one of these breeds from a breeder (or any breed, for that matter), it is important to research whether or not they health test their puppies! 

Health testing can help identify potential health issues before they become a problem. It can also help to ensure that your puppy is healthy and that you will be able to recover any associated costs if you need to get pet insurance in the future. Some of the specific health tests that you should look for if you are purchasing a puppy or a kitten in the future are:

    • Hip Scoring
  • Elbow Grading
  • Eye Testing
  • DNA Testing
  • Hearing Tests
  • Thyroid Tests
  • Heart Testing

These tests are crucial and let you know that the breeder takes your pet’s health seriously! 

If you have an exotic pet, such as a corn snake or a crested gecko, it can be harder to find insurance for your pet and a veterinarian that works with those types of animals. Make sure to have a vet in your area, or know of a vet you can visit if you have that type of animal! Emergencies can happen out of the blue, and you need to be as prepared as you can. Having a vet close by and visiting regularly is also an important part of taking care of any pet. Regular check-ups and vaccinations are important to keep your pet healthy, happy, and safe. 

When Should You Consider Pet Insurance?

Pet insurance can seem like a luxury, but in some cases, it can be a huge asset – especially if you have an animal that is especially prone to health issues! Pet insurance can help cover unexpected vet bills, which can quickly add up. It can also help provide peace of mind, knowing that your pet is covered in case of an emergency. In addition, it can be a great way to save money in the long run. 

Pet insurance can also provide access to preventive care, which can help detect and treat potential health issues before they become more serious. It’s essential to compare different plans to find the one that best suits your pet’s needs. Pet insurance can provide peace of mind knowing that your pet will receive the care they need -no matter the cost. 

How Expensive is Pet Insurance?

There is no one-size-fits-all plan for every pet because all pets have different health meters and needs. The amount that you will pay per month for pet insurance will depend on the plan that you pick, the type of coverage you are looking for, your deductible, and your pet’s breed. Additionally, if your pet has a history of illness, that can potentially increase the cost of your monthly insurance bill.

You can generally expect to pay anywhere from $20-$200 monthly for pet insurance. But, as mentioned above, it is recommended to shop around in order to find the right price for the right type of pet insurance that you need!

What Can I Do if I Can’t Afford My Pet’s Surgery?

If your pet breaks a leg or swallows something that it is not supposed to, they may need to have surgery- whether they are a cat, dog, or snake! Surgery on an animal can be quite pricey because it takes a level of skill and expertise that only a veterinarian can provide. If you cannot afford your pet’s surgery, you may want to consider putting it on a credit card or applying for a loan. You can look into personal loans, title loans, or even loans specific to emergency pet care. There are options to seek out when you need to fund care for your pet. 

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