Is Pet Insurance Worth It? Here’s What You Need to Know

Many people get pet insurance insurance so they won’t get stuck paying thousands of dollars for an unexpected vet bill. But is pet insurance really worth it?
  1. Andrea says:

    I did not have pet insurance and my 8 yr old chiweenie got pancreatitis. He was in the hospital, had a feeding tube and has been a medicine ever since. Had I had the insurance it would have cost me much less than the over $5000 I had to payout.

  2. Mrs. Jennifer Holmes says:

    We took out pet insurance right after my husband and I adopted our cat Layth from the humane society and we been with this comapny ever since and that’s nine years later. Yes, of course you do pay up front, but they’ll reimburse 80% after a deductible and co-pay. We have been happy with this company

  3. Michelle says:

    We have healthy paws pet insurance and my pound puppy (now 6, got him in 2016 from the shelter) has had 4 hospitalizations – one for diabetes (to stabilize him), two stomach surgeries to retrieve foreign object (after endoscope could not get foreign object out), and latest one was Immune-Mediated Thrombocytopenia (blood platelet disorder). We got pet insurance right away when we got him and he’s racked up, not even kidding…. probably close to $60k in medical bills that all have been covered. We do the 90% reimbursement $250 deductible. They do not pay the exam fees, and there are always lots of follow up appointments after surgeries, they can add up! For instance, after his last hospital stay, they want to see him once a week to recheck and adjusting his meds down little by little – every time it’s a $80 exam fee.

    That said, for us, the insurance pretty much pays for itself every month because we pay $56 a month and his insulin ALONE each month costs $165…. and they reimburse 90% of the 165 every time. And fast.
    I would ALWAYS get pet health insurance.

  4. Bibi says:

    I’ve had pets all my life, but it wasn’t until about 20 years ago that I made the decision to enroll every single one o my pets. The Best Decision I ever made. Most pet insurance policies pay between 80 to 90 percent of expenses. I personally I have saved approximately $25K plus the peace of mind it brings. It is like auto insurance, you carry it in the event of an accident. If you don’t need it you don’t use it, but when you do it’s there to help your furry friends fully recover.

  5. Mary says:

    As a veterinarian I have experienced on a daily basis the difficult and sometimes heart wrenching decisions owners have to make regarding their pets health due to financial constraints. That is, unless an owner has pet insurance! No one wants to put a price on their furry family member’s life but so many pet owners have to. Due to the relatively cheap costs of veterinary care compared to human medical care(without insurance), routine and maintenance treatments and tests can be saved up for by the average pet owner and are not covered by most plans, however catastrophic events and chronic illnesses push those limits. Be responsible and get pet insurance. And remember, no animal dies of old age.

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