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Will Pet Insurance Really Benefit Your Dog?

Updated on April 17, 2012
Photo Retrieved from Photobucket on April 13, 2012
Photo Retrieved from Photobucket on April 13, 2012

Considering Veterinarian Insurance For Your Dog?

“Insurance” sounds reassuring… Companies create policies that promise to protect you or your loved ones and now, even our animals. But do we really understand what these companies have to offer? Here, we will look at the big picture, read the fine lines and analyse the legalities of their policies.

Intravenous Photo, previously retrieved from Google Images
Intravenous Photo, previously retrieved from Google Images

Insurance is Not The Same As Reassurance

Some facts about the reality of pet insurance:

  • Cost of insuring your dog is about 20$-30$/month


  • That does not include the deductible (a fee charged for the privilege of having the insurance). Some companies only charge the deductible once a year. However, some companies want a deductible paid with every claim, and companies that claim they DON’T charge a deductible - research the costs of their other services. They may charge more in other areas to make up for giving you “such a deal”.


  • Many companies will not insure older dogs. Most companines have a cut off age of 7-9 years. Unfortunate for the public – The real reason – Older dogs would cost the company too much money because they have multiple health issues. So the companies that claim to protect you and take care of your pet are really leaving you and your dog alone.


  • Many insurance companies will gladly cover a young enough dog with a pre-existing condition. The premiums will be higher, but they will be glad to insure you because they can make more money off of you than the next guy whose dog in healthy.


  • However, the tables turn when your already-insured-dog ages. I could not find one company in my research that did not have limitations on what they would cover for older dogs. Most companies claim that any health issues “common to the breed” will NOT be covered. It would be hard to argue that many age on-set health issues are not common to a particular dog’s breed.


  • Animal insurance companies only want to cover the big money procedures. All the basic essentials, neutering/spaying, vaccinations and teeth cleaning are solely your responsibility

I believe that having pet insurance results in your dog getting more costly procedures for the fun of it, as the veterinarian gains a reputation for being keen. The best veterinarians use their intuition and technology they use their accurate knowledge base built from experience. They use less invasive procedures to problem solve and work-up to the more expensive procedures only when necessary.

Some companies have caps on their pay-out amounts. They will not pay more than 1500$ – 2000$ for each procedure. So a procedure that costs 3000$ leaves you to pay the difference, on top of your deductible and premium fees.





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    • SidKemp profile image

      Sid Kemp 

      6 years ago from Boca Raton, Florida (near Miami and Palm Beach)

      Thanks for explaining vet insurance. To be honest, the insurance sounds like a scam. I'm betting that overall, the companies that do this take in a lot more than they pay out for necessary services to dogs in need of health care.

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