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Should You Get Pet Insurance?

Border Collie Puppy With Paws on White Rustic Fence II

Is pet insurance a good idea for your pup? Learn more here.

The percentage of pets in America that have health insurance has soared over the past few years. Even so, most pets do not have insurance; according to the North American Pet Health Insurance Association (NAPHIA), about 4 million pets have insurance, with over 100 million total households that have dogs, cats, or both. Should you get pet insurance? What is the answer for you to this increasingly common question?

Is Pet Insurance Worth It?

Pet health insurance aims to cover unexpected medical costs, significantly reducing the price of a potentially hefty veterinarian bill. Paying for insurance is a safeguard against the cost of an accident, emergency, or sickness, depending on your insurance plan. 

Some pet insurance plans are reimbursement plans, meaning that you would have to pay upfront and paid back by the insurance company later. Talk with your veterinarian about financing options and research your plan options if you are worried about covering upfront costs. 

The Cost of Pet Insurance

The cost of pet insurance depends on the species and its age. Cats are less expensive than dogs. The insurance cost is very low for a puppy or kitten, but increases as the risk for illness increases. Therefore, cat and dog health insurance rises dramatically as the pet ages. The cost will be according to its age. On average, you might expect to pay $584 for dogs and $343 for cats yearly to cover accidents and illness.

Common Pet Insurance Claims

Dogs and cats are more likely than not to experience some form of sickness at least once in their lifetime, and insurance can help cover those costs. 

Common insurance claims for dogs include:

  • Urinary tract infection
  • Ear infection
  • Gastroenteritis
  • Diarrhea
  • Skin conditions

Common insurance claims for cats include:

  • Urinary tract infection
  • Diabetes
  • Vomiting
  • Kidney disease
  • Hyperthyroidism

Is Pet Insurance Right for Your Pet?

When you pay for your pet’s medical care without insurance, you pay out-of-pocket. It may be wise to get pet insurance if you are worried about covering unexpected medical bills, have a very healthy dog, or if it gives you peace. On the other hand, you can do without if you don’t mind paying unexpected costs, your pet is very old, or if you are okay with taking the risk. Either way, your vet should be giving your pet the ongoing care it deserves.

Trust the Care of Your Pet to the Professionals at Everhart Veterinary Medicine!

At Everhart Veterinary Medicine, our veterinary professionals strive to provide your pet with the very best of veterinary care. We believe that the best care for your pet should be provided by experienced, compassionate, and knowledgeable veterinary professionals. With two Maryland locations in both Baltimore, Pasadena, and Cross Keys, we are always ready to welcome your pet as a new patient! Give us a call today at 410-355-3131 or 410-793-7670! For more information, as well as updates on veterinary news and topics, visit us on Facebook, Twitter, or LinkedIn!

This entry was posted on Tuesday, September 20th, 2022 at 3:55 pm. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.