Do I Really Need Pet Insurance?

People ask me this all the time and my answer is always an emphatic “Yes!” Like any other type of insurance, you pay for peace of mind and hope you never need it. But when you do find yourself in a position to need pet insurance you’ll be very happy that you have it.

There are a variety of companies that provide insurance for pets and each brings something different to the table. Some only offer medical care while others offer full health packages to include vaccinations, yearly labwork and exams. It’s important to think about what your needs are and then compare the available policies to see what works best for you and your pet. When reviewing policies, note that some companies have limitations on certain breeds or policy caps that dictate the total payout amounts per pet. It’s important to ask these questions before enrolling in any policy.

Generally it is best to enroll your pets while they are young. Often this avoids any issues with pre-existing conditions and also helps to ensure that your pet is getting the best care from the beginning. In some cases, signing onto a policy while your pet is young will lower your monthly payment amount―again, you should ask about this as well as discuss any planned increase in premium amounts. Many companies also offer multi-pet discounts so be sure to inquire about that when enrolling.

Pet insurance is especially helpful in emergency situations or when your pet becomes seriously ill. I have known many people with pet insurance who were able to provide optimal care for their pets without having to worry about how they would pay for it. This is of tremendous value, especially when faced with a trying and emotional decision about the future of your pet.

Consider an orthopedic procedure. If your pet breaks a bone or needs knee or hip surgery, you may be out of pocket $2,000.00 or more. Wouldn’t it be nice to be able to give the go ahead without concern about finances? Or if your pet develops cancer―the price tag on chemotherapy treatments can be quite steep, but with many pet insurance policies it becomes manageable and allows pets much wanted time with their families.

Pet insurance isn’t perfect and certainly doesn’t answer every problem or concern that may come up. Like any insurance it is important to do your homework, ask a lot of questions and be very clear about what is and is not covered under your policies. While it does take some work on your part, the benefits and peace of mind that come with having pet insurance far outweigh any negatives that I’ve seen so far. I would encourage everyone to at least look into a few policies and see if it would be right for you and your pets.

For more information visit It’s a great site that helps you compare different companies and also offers reviews of the most popular pet insurance companies available today.