Protecting You Pooch: The Basics of Pet Insurance

May 7th 2016

Providing the most comprehensive care for pets is a high priority for pet owners. Pet insurance may not seem necessary when animals are in good health, but when the unexpected happens and medical-care costs are impending, pet insurance may provide the peace of mind pet owners need and the quality care necessary for pets.

The Costs of Pets

Modern technology has advanced the potential procedures available for pets. Innovative therapies and surgeries are now available to extend the lifespan of animals. These procedures, though, come with a cost.

Medications alone can cost pet owners hundreds of dollars to keep their animals comfortable and healthy. Cancer treatment for an animal can cost thousands of dollars, depending on the pet's condition and the progression of the disease. Annual visits and preventative care can cost at least $100 per visit.

People with multiple pets within the home may struggle with the financial obligation of caring for the health needs of animals as a result. Rising costs have prompted pet owners to consider the savings that pet insurance can provide.

The Cost of Pet Insurance

Pet insurance does not have to bankrupt pet owners. As of 2015, policies range from $10 to $50 a month, and costs vary based on the type of coverage chosen. Owners can choose from accident, illness or high-end coverage, and the monthly cost increases with wider coverage options.

Some employers may offer discounts or workplace benefits that offset the cost of pet insurance for employees. Pet owners should shop around for the most comprehensive and affordable pet insurance from vendors, and also read the fine print to identify how to file claims and receive discounts.

The Benefits of Pet Insurance

Pet owners can choose a variety of plans to meet their financial needs and the health needs of their pets. Accident coverage is primarily designed for accidental incidents, such as an injury to a pet caused by a motor vehicle or fall. Illness coverage provides protection for pets that have contracted diseases or even the stomach flu. The coverage helps offset expenses for medication, procedures and exams.

High-end coverage offers the most comprehensive coverage for a pet's health needs. Surgery and treatments are commonly covered under this plan in addition to annual health screenings and preventative care.


Pets are commonly considered members of the family. Protecting their health and well-being is just as much a priority as it is for the rest of the family. Individuals rarely think twice about acquiring health insurance for themselves, but pet insurance is commonly just an option. Pet insurance, though, can help to secure the comfort of your furry friends and offset expensive costs from veterinary services. Learn more about the basics of pet insurance to see if this option is a necessity for your pet population.

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