Is pet insurance worth it?

Read time: 2 minutes

Big sloppy kisses. Tails with a mind of their own. The cutest, most fluffy faces you’ve ever seen … we love our pets! And they faithfully love us back.

Our dogs and cats stay relentlessly by our side — and we owe it to them to be by theirs. That means making sure you can afford to get them the health care they need, whenever they need it.

The best way to do that? Get affordable pet insurance. Here’s why:

It gives you peace of mind.

Insurance is designed to give you peace of mind knowing you’ll be prepared for an unfortunate event. Pet insurance is no different. You’ll have much less to worry about because you won’t have to choose between saving money and your pet’s health.

You can be prepared for accidents.

Pets are notorious for getting into things they shouldn’t. Your cat swallows a string and runs the life-threatening risk of gastrointestinal obstruction. Or your dog tears a crucial ligament after running down the stairs. No matter how well you take care of your pet, accidents can happen at any time.

You can budget for your annual pet health care costs.

The nice thing about pet insurance is being able to budget how much you’ll spend on your pet’s health each year. You can budget based on your premiums and how much you’ll be reimbursed for emergencies. Even though you can’t predict what type of emergencies might happen, you’ll have a better idea about what your out-of-pocket costs could be — based on your outline of coverage.

You can customize your plan to fit your pet’s needs and your budget.

Every pet has different needs depending on their age, breed and species. That’s why pet insurance offers customization options that let you choose what’s right for your pet and budget. You can choose an annual maximum benefit, deductible or a reimbursement percentage for a variety of services. These can include exams, surgeries, cancer treatment, hereditary conditions, physical therapy, etc. Plus, most give you the option to add on wellness packages for things like vaccines, routine veterinary visits, blood tests, medications and much more.

Your pet can get a better level of care.

Depending on the situation, there are varying degrees of care. The more extensive treatment options have a better chance of a higher success rate. With insurance, those options become more attainable. So instead of worrying about how to pay for an expensive surgery or cancer treatments, you can give them their best option knowing your insurance will help cover most of your bill.