4 Reasons to Consider Pet Insurance

Pets can provide love, joy, companionship, and endless entertainment. The bonds that humans form with them can be so strong that many people consider their pets to be family.

Yet while most Americans are covered by some form of health insurance, their pets are not. Veterinary bills can be quite expensive, and a sudden injury or illness could cost thousands of dollars. Unfortunately, some people are forced to make very difficult decisions when faced with these types of unexpected costs.

Pet insurance offers a level of financial protection that can help people avoid these situations. It can provide reimbursement for vet bills, wellness and preventive care, and even telehealth visits.

Below are some of the reasons to consider coverage for your pets.

Rising Costs of Veterinary Care

Much like human healthcare, the costs of veterinary services are steadily increasing. Medical visits that were within your budget ten years ago may have skyrocketed since. This is especially true for complex procedures. Surgery, for instance, is now up to 60% more expensive than it was in the early 2000s.

Even routine care is becoming more expensive. Depending on your veterinarian, prices have grown between 20% and 30%, and that trend isn’t likely to change anytime soon. Pet insurance plans can help cover a large portion of these expenses, making it easier to give your pet the care they need without the additional financial stress.

Managing Chronic Health Issues

While a pet may be healthy when you first meet them, some health problems are genetic and can develop later – often taking owners by surprise. For example, certain cat breeds are more prone to kidney disease or respiratory issues. Small dogs are at higher risk for heart disease and fractures, while larger breeds are more prone to developing arthritis or joint dysplasia. Rabbits often experience dental and gastrointestinal problems. Regardless of species or breed, having coverage in place if a long-term issue arises can provide valuable peace of mind.

Maximizing Your Time Together

It’s a harsh reality, but most pets don’t outlive their human owners. And much like with humans, a lack of proper healthcare often leads to lower life expectancies.

Quality, consistent healthcare can improve a pet’s longevity. Many pet insurance plans offer coverage for wellness exams and other types of preventative care that can help catch illnesses early on and help your pet maintain good health.

Options To Fit Your Needs

Similar to personal health plans, there are a wide range of coverage options available with pet insurance. If you adopt a senior pet, you can select a plan that provides more comprehensive coverage. If your pet is young and healthy, you can start with a more basic plan and upgrade over time as your pet’s needs change.

Some insurance plans go beyond traditional coverage and offer services like telehealth consultations or in-home vet visits, which can be especially helpful if your pet is too sick to travel, or the nearest veterinarian is too far away.

Having this flexibility makes it easy to adapt your coverage as your pet grows or experiences new health concerns.

Pets are more than just animals; they’re loyal companions, emotional support systems, and members of the family. Having an insurance plan in place can help you provide affordable care for your beloved pet, and help them live a longer, healthier, and more comfortable life.

We’ve teamed up with one of the top pet insurance carriers in the country to offer discounts on coverage. Visit our pet insurance page.