What Is Pet Insurance, And Why Would You Need It?

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What Is Pet Insurance, And Why Would You Need It?

All pet insurance programs are not created equal - your pet may need more or less coverage, be young or a senior pet, or qualify for discounts.

What Is Pet Insurance?

This insurance is a series of programs that provides health coverage for your pet. Some programs allow you to choose just the minimum health coverage - such as basic accidents/illnesses - to full packages that cover yearly vet visits and vaccinations.

The amount of your monthly payment, or "premium", depends on many things:

The age of your pet
If you qualify for any plan discounts (multiple pets, microchipping)
Level of coverage - plans that include vet visits and other preventative care can have a higher premium than a more basic plan
If the plan has a deductible - sometimes adding a small deductible on a "no-deductible" plan can decrease your premium

Why Would I Need It?

The most common reason to want cat health insurance is for financial peace of mind. If your pet develops a severe illness or has an accident, you can focus your attention on what is best for your pet instead of what you are able to afford at that point. No one wants to make a possibly heartbreaking decision about their pet's care based on finances.

Things to consider:

One in three pets will need emergency veterinary treatment every year.
Two out of every three pets experience a significant health problem during their lifetime.

Some cat and dog owners are able to rely on savings to pull them through any possible health issues with their pets, while others opt to go with insurance as a backup plan or are better able to manage a monthly premium than a large vet bill.

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