Is pet insurance worth it ? 

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Written By Charlotte Miller


We all love our pets, but there’s no denying that they get sick and injured just like we do. And when it comes to unexpected veterinary bills, the amount can add up fast. So, is pet insurance worth it? That depends on your situation.

works like human health insurance

Pet insurance works like human health insurance. You pay a monthly fee and in return, you get coverage for unexpected accidents or illnesses. It is not meant to cover routine care such as annual check-ups, vaccinations or heartworm prevention. Some policies have deductibles and co-pays that can affect your overall costs depending on the type of coverage you choose.

Some pet insurance companies offer wellness plans that reimburse up to 80 percent on common pet illnesses such as diarrhea and ear infections (for example). There may also be restrictions on which conditions are covered by the plan alongside other terms and conditions that must be met before submitting a claim (e.g., waiting periods).

Although some policies include reimbursement for routine expenses such as annual vaccines, wellness exams or other preventative care costs are typically not covered by these types of policies even though they might be covered under medical plans offered by human health insurers.”
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pays for unexpected accidents

Dog insurance can cover a lot of situations. It pays for accidents to the animal, accidents to the owner, accidents caused by the pet and even ones that are caused by others. The coverage is extremely important for pets who have been in fights or had an accident that resulted in medical bills. It also covers injuries from negligence on your part as well as your pet’s negligence.

doesn’t cover routine care

As a pet parent, you’ve probably been asked many times if a certain vet bill can be covered by your insurance. It’s imperative to understand what routine care is and why it’s not covered by pet insurance.

Routine care includes vaccinations, spay/neuter, regular check-ups with your veterinarian and more. If your pet has an illness or injury that requires treatment (and not just a yearly exam), then that is considered non-routine care and may be eligible for reimbursement.

covers pre-existing conditions

There are a few things to keep in mind about pre-existing conditions, so let’s start with the basics. A pre-existing condition is any type of medical problem that already exists when a pet becomes insured. An example would be if your dog had been diagnosed with cancer before you purchased pet insurance, that would be considered a pre-existing condition.

So how do you know if your pet has any pre-existing conditions? You’ll want to ask the insurance company for their list of covered conditions—a good company should have one on hand or easily available. If they don’t have one, look closely at all of the exclusions listed in their policy and compare these with what was listed on any previous vet records or diagnoses sheets (if they were provided). Also make sure to check whether there are any specific types of treatment that aren’t covered by the plan; some plans may not cover major surgeries while others will only pay out benefits up front but not during recovery periods later down the road—it varies from plan to plan!

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ranges from $20-$70 per month

The cost of pet insurance depends on factors like the type of coverage you want, the breed and age of your pet, and how much it weighs. In general, premiums can range from $20-$70 per month.

A deductible is like an out-of-pocket expense for your vet bills. A low deductible might be $50 or less; a high one could be several hundred dollars or more. You may also choose to pay extra money at the time you visit the vet in order to waive any deductibles if your dog needs surgery or another procedure that requires advanced care (such as chemotherapy).

The type of coverage available will vary depending on which company you go with—and even within companies there are differences between their policies—but some basic types include:

Pet insurance may be worth it if your pet gets sick or injured.

Pet insurance is not a necessity for everyone and if your pet is healthy, you may feel the cost of pet insurance outweighs its benefits. However, if your pet gets hurt or sick and requires extensive medical treatment, then it can be worth purchasing a policy.

If you decide to get pet insurance, do some research before choosing an insurer and make sure that they cover the types of things that are important to you (such as dental care). Also consider whether they have any restrictions on pre-existing conditions and how long they will cover them once such conditions are diagnosed. If a policy has been purchased with no waiting period, some policies allow cancellation within 60 days of purchase while others do not allow cancellations at all – even if there was fraud involved in obtaining coverage which resulted in false claims being submitted for reimbursement by the insured party!


Pet insurance is a good way to protect your pet from unexpected accidents and illnesses. If you’re thinking about getting it for your dog or cat, talk to an expert first.