How Important is it to Have Pet Insurance?

Becoming a proud parent to a new pet is a very exciting time. A new member of the family can bring a great deal of joy to your home, as well as a range of other benefits. Companionship, reduced stress and better health are just some of the advantages commonly associated with pet ownership. Undoubtedly you will want to be certain that your furry, scaly or feathered family member enjoys a long and happy life with you. One of the best ways to do this is to do everything you can to ensure your pet is as healthy as possible and can receive the right veterinary care should she become injured or unwell.


Unsurprisingly, great veterinary care doesn’t come cheap and is often needed when you least expect it and can least afford it. No pet parent wants to struggle to provide the medical care that their animal needs and deserves, but this is a worryingly common problem. Thankfully, there is a solution that enables even the most unprepared owner to ensure that their pet receives the best possible professional care – pet insurance.

What is pet insurance?

Pet insurance, like all insurances, is designed to help cover the cost of unexpected bills. In this case, pet insurance covers the majority of medical costs associated with professional veterinary treatment. Some types of pet insurance policy will also offer financial compensation in the scenario that your animal is lost or stolen, passes away or causes damage to a third party of their property. For this reason, it is essential that you fully check exactly what your pet will be covered for before committing to a pet insurance policy.

What animals can be covered by pet insurance?

Many people are surprised to learn that pet insurance can be applied to a variety of different pets, including those that are considered more exotic than ‘regular’ domestic animals. Dogs, cats, rabbits, horses, lizards, tortoises, turtles, parrots and snakes are just some of the pets that can be covered by pet insurance.


If you have an exotic pet, you may wish to choose an insurance provider that specializes in your breed of animal. That way, you can be certain that your pet will receive the specialist care that is required.

Why is pet insurance so important?

While pet insurance isn’t a new service, it is estimated that only around 1% of pet owners in the U.S. currently have their animals covered. There are many reasons given for not having pet insurance, including:

- The cost. While cover for a previously healthy animal may be relatively inexpensive, if your pet has a medical history, their insurance cover cost may rocket.

- That it is an unnecessary expense. Unless your pet has required veterinary care in the past and you understand the financial implications it can cause, insurance may seem like a low priority.

- That you end up paying more than you get out of the cover. There is no guarantee that your pet may need medical care, and hopefully she won’t.


How much does veterinary treatment cost?

Unless you have insurance, the cost of veterinary treatment can be astronomical. However, unless you have previous experience of veterinary bills, it is difficult to comprehend the extent of the costs involved. While every pet’s health requirements are unique and exact figures vary, some examples of typical veterinary costs include:


Visit to the emergency, out-of-hours clinic. Approximate cost: $150.

Ear infections. Approximate treatment cost: $250.

Emergency scan and surgery for a bone fracture. Approximate cost: $3,500.

Parvo gastroenteritis. Diagnosis, medication and care approximate cost: upwards of $5,000.

Unknown stomach problems. Approximate cost to diagnoses and treat: $6,000 plus.

Diabetes mellitus (animal form of diabetes): known to cost as much as $10,000 for long-term treatment and care.


It is clear to see that in many cases; the cost of veterinary intervention is beyond what most people can afford to pay upfront. This often forces owners to choose substandard care for their beloved animal. However, by opting in to pet insurance, you can ensure that you aren’t restricted by financial considerations and your pet will receive the best possible care and attention when she needs it most.



If you would like to learn more about the merits of pet insurance, our friendly, knowledgeable veterinary team would be delighted to speak to you. Please do not hesitate to contact our offices today.


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