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Is Pet Insurance Worth It

If you’ve found a new furry friend to be your home’s constant companion, you’re already well on your way to loving your new lifestyle. But all that love you want to give your pet probably won’t grow on trees, so pet insurance is probably a good idea. 

Dogs and cats need just as much pampering as people do, and this now includes pet insurance. This new form of insurance covers all usual medical expenses, such as vet visits and prescriptions. You may wonder how pet insurance can benefit you.

Is Pet Insurance Worth It

There are several factors to consider when considering whether or not to get pet insurance. Your age, lifestyle, and financial situation are the biggest factors that will affect whether or not pet insurance is worth it. You may want to skip pet insurance if you’re young and healthy. However, pet insurance may be worth it if you’re older and worried about growing old and sick. Because pet insurance can be expensive, it’s important to understand how and when to apply for coverage, as well as what coverage plans you are eligible for.

What Is Pet Insurance?

Pet insurance can help cover the cost of medical expenses, surgeries, and medications your pet may need and can also cover the cost of boarding or euthanasia if your pet is injured or becomes terminally ill.

Vet bandaging leg of a gray cat

What Is the Covered of Pet Insurance?

  • Injuries and AccidentsPet insurance is more expensive but essential to keep your pet healthy. When your pet gets injured or sick, pet insurance helps you cover the costs. It’s important to understand the exact specifics of each policy so you can know what’s covered and what isn’t.
  • Illness– Illnesses in pets are expensive, and they require a lot of time and effort. If an illness does occur, pet owners should consider pet insurance. Pet insurance can reimburse pet owners for veterinarian bills, medications, and surgery. Pet insurance may also cover lost pet costs, such as advertising a lost pet and hiring a pet sitter.
  • Chronic conditions– When dogs are sick, they may not be able to report their symptoms, which can sometimes make the difference between life and death. Since you may not be able to recognize when your dog is sick, it’s important to have a reliable pet insurance policy that will cover your pet’s chronic medical conditions.
  • Hereditary conditions– Pet insurance can be a great investment, but it’s important to understand what it covers. Hereditary conditions, such as hip dysplasia and genetic disease (sometimes known as inborn errors of metabolism), develop after an animal is born and begin with changes in the animal’s genetic code.

Vet listening to a husky's heartbeat

What Is Not Covered Pet Insurance

  • Cosmetic Treatment– Pet insurance is a wonderful thing for our pets to have and is not without its own set of challenges. A common one we see is a claim that was not covered under the pet insurance policy. These claims are typically for cosmetic treatments that are not considered necessary or preventative care.
  • Dog Fighting– However, it’s not covered for all pet accidents and illnesses, and there are many insurance companies that don’t cover certain disorders, such as dog fighting.
  • Existing medical conditions– Pet insurance is designed to protect your pet against illness, injury, and accidents. However, unlike human health insurance, pet insurance does not cover pre-existing medical conditions. You cannot add a pre-existing condition to your pet’s policy. Instead, you must look into pet insurance that covers pre-existing conditions, such as pet insurance from Pets Best Insurance.
  • Conditions are not related to accidents or illness results – When a pet is sick or injured, you want the best treatment possible. Many pet owners assume their pet’s payments will be covered by their basic pet insurance policy, but they rarely realize that not all conditions will be. Unfortunately, not all conditions are related to accidents or illnesses—and if your pet is diagnosed with one of these, your pet insurance company may not cover them.

Vet listening to a Boston Terrier's heart

What Are the Benefits of Having a Pet Insurance?

Payment Plans

Owning a pet is an incredible responsibility. Not only do you have to make sure your pet is cared for, but you also have to be mindful of its well-being. You should be able to provide the best possible care for your furry friend, but unexpected accidents and illnesses can drain your bank account. Pet insurance is an affordable way to ensure the financial well-being of your pet.


Pets are part of the family, and you feel responsible if something happens to your pet. Pet insurance can help protect you against unexpected veterinary expenses, from routine check-ups to major surgery to minor injuries. Pet health insurance is affordable, and it covers unexpected expenses. Pet insurance typically covers up to 80% of eligible veterinary costs, but some policies provide 100% coverage.

Emergency Care

When you invest in pet insurance, you’re investing in your pet’s health, and that makes it a worthwhile investment, especially in the case of an emergency or unexpected illness. Pet insurance works much like medical insurance for humans in that you pay a small monthly premium that also covers things like routine check-ups and preventative care.


Pet insurance will pay for treatments like routine vaccinations, dental cleanings, immunizations, medications, eye care, and surgery. As pet owners, it’s our responsibility to make sure our furry family members are healthy and happy.

The cost of veterinary care can be high, which is why many pet owners feel pet insurance is worth every penny. Before you make the purchase, though, read the fine print. Pet insurance is not just about helping out with unexpected veterinary bills but also includes preventative care and wellness benefits.

Husky looking over a gray cat laying on a couch

As with most insurance policies, the less expensive plan isn’t necessarily the best, so take some time to do a little research. If you have decided that getting a pet is worth it, now it is time to consider what type of pet you should get. Pet insurance can be expensive, but if you can anticipate any expensive medical expenses, then pet insurance might be worth it.

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