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Is Pet Health Insurance Worth Buying

Updated on February 10, 2013

When Your Dog Feels Bad, You Can Feel Good About Having Pet Health Insurance!

When your pet feels sick, you feel good about having pet health insurance!
When your pet feels sick, you feel good about having pet health insurance! | Source

Pet Health Insurance

"...the best thing about health insurance for my pet is that by having it, I never have to decide which is more important; my bank balance or my pet."

As with any type of insurance, you may well be paying for something you will never need. But, it's nice to have it should a situation arise where your health is in jeopardy. Dog health insurance is the same as health insurance for humans. As we all know, the insurance business is just that, a business. And in being such, pet insurance is a business that exists strictly to make money (and lots of it). So you may be asking, "What is health insurance for my dog?" and "Why is it so important?" In essence, pet health insurance insures your pet against emergency medical costs while charging you a monthly fee (premium) whether or not your dog gets sick or injured.

Pet Insurance in a Nutshell

In a nut shell, you can take the risk yourself, or you can pay the insurance company to take the risk on behalf of you and your dog. In my opinion, the best thing about dog health insurance is, that by having it, I never have to decide which is more important; my bank balance or my dog.

Cat Drinking from a Glass

You just never know when an emergency visit to the vet will pop up! Pet Health Insurance can ease the cost between pay checks!
You just never know when an emergency visit to the vet will pop up! Pet Health Insurance can ease the cost between pay checks! | Source

The Market For Pet Health Insurance

Pet Health Insurance, In the beginning...

In 1982, we saw the first indicators in the United States that a market for dog health insurance was igniting. The flag ship company Veterinary Pet Insurance (V.P.I.), who remains the largest pet insurance agency in the country, was the first to find those pet owners who desired only the best for their dogs. Between 1982 and 1998 around thirty different pet insurers popped up and then went away. Currently only a few remain to offer coverage for our canine friends. However, in the U.S. lucky pets are being insured by their owners more and more each year. Even though only a small number of pet insurance companies service the grand number of nationwide plans, many savvy predictions indicate a fierce growth within the pet insurance industry is just around the corner.


FInd your state's Department of Pet Insurance using this handy search by zip code site.

What to Consider When Buying Pet Health Insurance

  • Make sure the pet insurance company you choose is licensed in YOUR state. Confirm that the company you choose is licensed by the Department of Insurance and is regulated in your state.
  • Find a pet health carrier that has been business for at least 3 years.
  • If you have a puppy or kitten, see if it's better to get pet insurance for routine care as well as for emergency and illness coverage.
  • Check with your vet to see which pet health insurance companies they find most reliable.

Dogs Know What "VET" Means!

They may not like the idea, but pets feels better when given regular vet check-ups!
They may not like the idea, but pets feels better when given regular vet check-ups! | Source

What Will You Do?

Would you consider getting pet health insurance to save on any medical bills for your pet?

See results
  • Surf the Internet for complaints or law suits against the pet insurance company you are considering.
  • Read the policy carefully, conditions and exclusions may apply. Several policies will not cover congenital or hereditary problems. Some companies won't cover preexisting conditions if your dog has been treated for the condition in the past six months—or at all.
  • Talk to pet owners who already have an insurance plan for their dog. See what they have had problems with, and what they have found effective.
  • If you belong to a pet-industry organization or if your employer has an affiliation with a pet organization, see if any discounts can be had. Some organizations may offer a group rate or contribute to premiums.
  • Know what your individual pet's health needs are. Your dog's age, sex, and size all matter when thinking about your pets medical needs now, and years to come. Some dog breeds have distinct medical issues simply because of their configuration; eye and snout problems in Pugs, skin allergies in Golden retrievers, hip dysplasia in German Shepherds, dental issues with toy breeds, and the list goes on.

Recapping some Do's and Don't of Pet Insurance (1 min. 47 sec. YouTube video)

Comments for "Can Pet Health Insurance Save Me Money"

Submit a Comment
  • Paulart profile image


    7 years ago from 2510 Warren Avenue Cheyenne,Wyoming 82001

    Nice hub and very useful for all pet owners.

  • mary615 profile image

    Mary Hyatt 

    7 years ago from Florida

    My Miniature Schnauzer has back problems. Thank goodness for VPI pet insurance. I wrote a Hub about her condition. My daughter has a 4 yr. old dog that has had bladder stones, she wishes she had pet insurance! Vet bills were over 2,000.00 for surgery, etc. I voted this Hub UP, etc.etc.

  • Healing Touch profile image

    Laura Arne 

    8 years ago from Minnetonka, MN


    This is very helpful to all of us animal lovers. Thanks.

  • K9keystrokes profile imageAUTHOR

    India Arnold 

    8 years ago from Northern, California

    Jaye~ Thank you for sharing your outstanding advice from a real life perspective. I tapped into this advice (pre-existing and hereditary ailment exclusions for pet health insurance policies) within the article, but having you emphasize the point after living it speaks volumes! Thank you for offering your input.


  • JayeWisdom profile image

    Jaye Denman 

    8 years ago from Deep South, USA

    I have pet health insurance for my six-year-old dog because so many dogs are getting cancer now. Similar to what you wrote, I never want to have to choose between getting needed veterinary treatment for my beloved dog because I can't afford it. Having health insurance for my best buddy is just as important to me as having it for myself. It did take me two tries to get the right insurance, though. When checking out pet insurance, be very careful to find out what is EXCLUDED, as well as how the insurance provider views prior illnesses (pre-existing or genetic?). JAYE

  • K9keystrokes profile imageAUTHOR

    India Arnold 

    8 years ago from Northern, California

    KoffeeKlatch Gals~ So happy you made it by today! Nice that you found something you can use within the hub. You know, a lot of people don't realize you can get pet health insurance. It has saved me some bucks over the years! Thank you for your comments, they are very appreciated!


  • KoffeeKlatch Gals profile image

    Susan Hazelton 

    8 years ago from Sunny Florida

    K9, interesting hub. I hadn't thought too much about health insurance for my dogs before now. However, now that I have read your hub it conveniences me that I should give it some consideration. Thanks for sharing the information. Rated up and useful.

  • K9keystrokes profile imageAUTHOR

    India Arnold 

    8 years ago from Northern, California

    Eiddwen~ Thank you for making the trip over to read about pet health insurance! I can't express just how much it means to have your support. I am grateful for the vote and your loyalty! Big hub Hugs!


  • Eiddwen profile image


    8 years ago from Wales

    Another great hub that I am sure will benefit many dog owners.

    I give this one an useful/up.

    Thanks for sharing and take care



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