Is Pet Insurance Worth It?
[ad_1] Whether you’re already the proud owner of a dog or cat or you’re planning to become one, you may be wondering if pet insurance is worth the cost. After all, you absolutely have to buy things like food and basic supplies, and optional pet insurance just adds to the ongoing expense of owning a pet. The thing is, the best pet insurance can actually make being a pet owner considerably more affordable — particularly if your pet winds up needing surgery or being diagnosed with a chronic medical condition. The key to getting ahead with pet insurance is choosing from the best pet insurance companies and selecting a plan with the deductible, waiting periods, and reimbursement levels that make sense for your pet. The chart below shows how much pet insurance costs from a few different pet insurance companies we recommend. After that, we’ll go over all the intricacies of pet insurance plans and how pet insurance works. Pet Insurance Cost Comparison Pet Variety TrustedPals HealthyPaws Figo Embrace Pet Insurance Dog InsuranceFemale Mixed BreedAge 560 pounds $34 to $89 per month $59.92 per month $43.22 to $69.95 per month $39.53 per month Dog InsuranceMale Mixed BreedAge 225 pounds $20 to $51 per month $28.98 per month $28.21 to $39.78 per month $24.80 per month Cat InsuranceFemale Mixed BreedAge 2 $13 to $35 per month $15.17 per month $13.58 to $19.15 per month $19.15 per month Cat InsuranceMale MixedBreedAge 5 $17 to $45 per month $23.40 per month $20.67 to $29.16 per month $32.76 per month Pet Insurance Guide The best pet insurance can help you cover mounting costs that rack up when your pet needs surgery or gets diagnosed with a chronic medical condition. After all, there are an array of pet care expenses you may have to cover, some of which you cannot predict ahead of time. Many costs associated with owning a pet can add up to thousands of dollars during the course of a single year. Without a pet insurance policy, pet owners have no choice but to cover these expenses themselves. #ap5748-ww{padding-top:20px;position:relative;text-align:center;font-size:12px;font-family:Archivo, sans-serif}#ap5748-ww #ap5748-ww-indicator{text-align:right;color:#4a4a4a}#ap5748-ww #ap5748-ww-indicator-wrapper{display:inline-flex;align-items:center;justify-content:flex-end;margin-bottom:8px}#ap5748-ww #ap5748-ww-indicator-wrapper:hover #ap5748-ww-text{display:block}#ap5748-ww #ap5748-ww-indicator-wrapper:hover #ap5748-ww-label{display:none}#ap5748-ww #ap5748-ww-text{margin:auto 3px auto auto}#ap5748-ww #ap5748-ww-label{margin-left:4px;margin-right:3px}#ap5748-ww #ap5748-ww-icon{margin:auto;display:inline-block;width:16px;height:16px;min-width:16px;min-height:16px;cursor:pointer}#ap5748-ww #ap5748-ww-icon img{vertical-align:middle;width:16px;height:16px;min-width:16px;min-height:16px}#ap5748-ww #ap5748-ww-text-bottom{margin:5px}#ap5748-ww #ap5748-ww-text{display:none}#ap5748-ww #ap5748-ww-icon img{text-indent:-9999px;color:transparent} Ads by Money. We may be compensated if you click this ad.Ad #ap5748-w-map{max-width:600px;padding:20px 0 10px;margin:0 auto;text-align:center;font-family:”Lato”, Arial, Roboto, sans-serif}#ap5748-w-map #ap5748-w-map-title{color:#212529;font-size:18px;font-weight:700;line-height:27px}#ap5748-w-map #ap5748-w-map-subtitle{color:#9b9b9b;font-size:16px;font-style:italic;line-height:24px}#ap5748-w-map #ap5748-w-disclosure{margin-top:10px;font-size:12px;color:#9b9b9b}#ap5748-w-map #ap5748-w-map-map{max-width:98%;width:100%;height:0;padding-bottom:65%;margin-bottom:20px;position:relative}#ap5748-w-map #ap5748-w-map-map svg{position:absolute;left:0;top:0}#ap5748-w-map #ap5748-w-map-map svg path{fill:#e3efff;stroke:#9b9b9b;pointer-events:all;transition:fill 0.6s ease-in, stroke 0.6s ease-in, stroke-width 0.6s ease-in}#ap5748-w-map #ap5748-w-map-map svg path:hover{stroke:#1261C9;stroke-width:2px;stroke-linejoin:round;fill:#1261C9;cursor:pointer}#ap5748-w-map #ap5748-w-map-map svg g rect{fill:#e3efff;stroke:#9b9b9b;pointer-events:all;transition:fill 0.6s ease-in, stroke 0.6s ease-in, stroke-width 0.6s ease-in}#ap5748-w-map #ap5748-w-map-map svg g text{fill:#000;text-anchor:middle;font:10px Arial;transition:fill 0.6s ease-in}#ap5748-w-map #ap5748-w-map-map svg g .ap00646-w-map-state{display:none}#ap5748-w-map #ap5748-w-map-map svg g .ap00646-w-map-state rect{stroke:#1261C9;stroke-width:2px;stroke-linejoin:round;fill:#1261C9}#ap5748-w-map #ap5748-w-map-map svg g .ap00646-w-map-state text{fill:#fff;font:19px Arial;font-weight:bold}#ap5748-w-map #ap5748-w-map-map svg g:hover{cursor:pointer}#ap5748-w-map #ap5748-w-map-map svg g:hover rect{stroke:#1261C9;stroke-width:2px;stroke-linejoin:round;fill:#1261C9}#ap5748-w-map #ap5748-w-map-map svg g:hover text{fill:#fff}#ap5748-w-map #ap5748-w-map-map svg g:hover .ap00646-w-map-state{display:initial}#ap5748-w-map #ap5748-w-map-btn{padding:9px 41px;display:inline-block;color:#fff;font-size:16px;line-height:1.25;text-decoration:none;background-color:#1261c9;border-radius:2px}#ap5748-w-map #ap5748-w-map-btn:hover{color:#fff;background-color:#508fc9} Give your pet the care they deserve! Pet Insurance covers your pet from head to paw—for a lifetime. Select your state to get started. HawaiiAlaskaFloridaSouth CarolinaGeorgiaAlabamaNorth CarolinaTennesseeRIRhode IslandCTConnecticutMAMassachusettsMaineNHNew HampshireVTVermontNew YorkNJNew JerseyDEDelawareMDMarylandWest VirginiaOhioMichiganArizonaNevadaUtahColoradoNew MexicoSouth DakotaIowaIndianaIllinoisMinnesotaWisconsinMissouriLouisianaVirginiaDCWashington DCIdahoCaliforniaNorth DakotaWashingtonOregonMontanaWyomingNebraskaKansasOklahomaPennsylvaniaKentuckyMississippiArkansasTexas Get a Free Quote As an example, CareCredit lists the following amounts for complex and emergency care costs for dogs and cats: Common Pet Expenses for Emergencies and Chronic Conditions Disease/Condition Average Cost for Dogs Average Cost for Cats Arthritis $724 $490 Broken Bone $2,371 $2,257 Cancer $4,137 $3,282 Cancer Treatment (Chemotherapy) $4,000 $4,000 Diabetes $2,892 $1,634 Stomach Foreign Object $3,262 $2,955 What Does Pet Insurance Cover? Just like monthly premiums, deductibles, and waiting periods that apply, the coverage options included in a pet insurance policy vary from company to company. However, there are some general rules of thumb that come into play when it comes to what most pet insurance plans cover, as well as what they do not cover or rarely cover without an uptick in premiums. What does pet insurance cover? While plans vary, most pet insurance plans provide some level of protection for the following: Accidents that occur, such as a broken bone during play or your dog or cat swallowing a foreign object Illnesses your pet is diagnosed with, such as cancer, arthritis, hypothyroidism, ear infections, and urinary tract infections (UTIs) Hereditary and congenital conditions, such as eye disorders, hip dysplasia, and heart disease Behavioral therapy that helps pets overcome behaviors such as excessive licking, fur pulling, and destructive chewing Exam fees, which can add up quickly if your pet has frequent vet visits Chronic conditions your pet may be diagnosed with, such as diabetes Prescription medication coverage, which can help your pet get the medicines it needs Preventative care for pets, such as vaccinations, exam fees, flea and tick medication and more Note that some of the above may be included in pet insurance plans automatically, whereas other types of coverage are typically offered as an optional add-on. At the end of the day, you’ll need to compare pet insurance companies based on these inclusions, as well as on factors like your deductible, any waiting periods that apply, reimbursement levels, and more. Also note that pet insurance plans tend to have long lists of excluded items, and that many do not provide coverage for older pets. Common pet insurance exclusions include the following: Mosts pre-existing conditions your pet has, although pre-existing conditions are sometimes covered after waiting periods passes Cosmetic procedures, such as tail docking or ear cropping Expenses associated with breeding your pet Coverage for exotic pets Dental illnesses that occur, unless you have specific coverage for pet dental care Costs associated with spaying and neutering your pet Alternative treatments for your pet, such as acupuncture, chiropractic care, rehabilitative therapy, and hydrotherapy Microchip implantation, which can help you find your pet if it gets lost or stolen #ap34095-ww{padding-top:20px;position:relative;text-align:center;font-size:12px;font-family:Archivo, sans-serif}#ap34095-ww #ap34095-ww-indicator{text-align:right;color:#4a4a4a}#ap34095-ww #ap34095-ww-indicator-wrapper{display:inline-flex;align-items:center;justify-content:flex-end;margin-bottom:8px}#ap34095-ww #ap34095-ww-indicator-wrapper:hover #ap34095-ww-text{display:block}#ap34095-ww #ap34095-ww-indicator-wrapper:hover #ap34095-ww-label{display:none}#ap34095-ww #ap34095-ww-text{margin:auto 3px auto auto}#ap34095-ww #ap34095-ww-label{margin-left:4px;margin-right:3px}#ap34095-ww #ap34095-ww-icon{margin:auto;display:inline-block;width:16px;height:16px;min-width:16px;min-height:16px;cursor:pointer}#ap34095-ww #ap34095-ww-icon img{vertical-align:middle;width:16px;height:16px;min-width:16px;min-height:16px}#ap34095-ww #ap34095-ww-text-bottom{margin:5px}#ap34095-ww #ap34095-ww-text{display:none}#ap34095-ww #ap34095-ww-icon img{text-indent:-9999px;color:transparent} Ads by Money. We may be compensated if you click this ad.Ad #ap34095-w-text{padding:20px 0 10px;margin:0 auto;text-align:center;font-family:”Lato”, Arial, Roboto, sans-serif}#ap34095-w-text #ap34095-w-text-title{color:#212529;font-size:20px;font-weight:700;line-height:30px}#ap34095-w-text #ap34095-w-text-subtitle{color:#9b9b9b;font-size:16px;font-style:italic;line-height:24px}#ap34095-w-text #ap34095-w-disclosure{color:#9b9b9b;margin-top:10px;font-size:12px}#ap34095-w-text #ap34095-w-text-btn{margin-top:25px;padding:9px 13px;display:inline-block;color:#fff;font-size:16px;line-height:20px;text-decoration:none;background-color:#1261c9;border-radius:2px}#ap34095-w-text #ap34095-w-text-btn:hover{color:#fff;background-color:#508fc9} Pets are an essential part of the family. Find the best policy for your four-legged friend today
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