Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Is It Worth It To Get Pet Insurance?In some cases, yes, it is worth it for many owners to get pet insurance. Pet insurance can be complicated but in the end such a policy can help you do what is right for your pet, regardless of how much money you can afford at the moment.

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If you are wondering if it is worth it to get pet insurance, you are not alone. The answer to that question is really going to depend on your personal situation.

While there have been some people singing the downside to pet insurance, there are a number of instances that it can really save you money—not to mention save you from the nightmare of having to decide between your pet’s life and death.

Why Pet Insurance is Necessary for Some

A visit to your local veterinarian’s office can be expensive. If you throw in an emergency visit, a chronic health problem or surgery, you very well could be talking about hundreds or even thousands of dollars. Pet insurance certainly can be a cost-effective option to insure that your furry member of the family gets the best care possible.

If you are concerned about expense then the first thing you should do is to think about your particular pets and what health needs might arise. For instance:

  • Pug dogs are notorious for eye injuries
  • Dachshunds are known to have back problems
  • Chihuahuas and other small dogs are at higher risk for fractures and broken bones
  • Labs are prone to hip dysplasia

Cat owners don’t luck out on this issue either; issues like chronic kidney failure are common amongst all cat breeds. Issue of specific cats include:

  • Persian cats often have breathing difficulties and eye problems due to their flat faces
  • Manx cats often develop lower back problems
  • Siamese cats are prone to heart diseases

Once you have thought about your pet’s potential illnesses, you can find out what tests and procedures would be required in those instances. You could also get a rough estimate of what the cost would be to you out of pocket. Now you have all the facts and figures in front of you…

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The High Expense of Pet Care

Suddenly, pet insurance seems like a fantastic idea! Having a basic pet insurance plan might be more affordable than you think. Every company will vary in price, and the figure is based upon your location as well as your pet’s breed.

The company also considered the health conditions you want covered on the policy. Some basic plans are under $30 dollars a month and can cover up to $7,000 in accidents and emergency care, and $100 dollars in routine basic care. If you can cover basic health care yourself, like flea medications and basic checkups, then there are some plans as low as ten dollars a month with a higher deductible that will cover emergency care up to $10,000 dollars a year.

If your cat accidently eats something poisonous, or your dog inhales that new toy (or your car keys), or if your beloved furry friend escapes the yard and gets hit by a car and requires life saving surgery, basic emergency pet insurance will cover the cost. If your cat, dog or other pet is a true part of the family, this really is a small price to pay for good peace of mind.

Before deciding on the best pet insurance, it is wise to get some online price quotes. Shopping around and comparing prices online can also help you save a bundle of money. Of course, money should not be the only deciding factor when looking for pet insurance. Remember to find a reliable company with many satisfied customers, as well as a good standing with organizations like the Better Business Bureau.

Make Sure You Work with a Good Insurance Company!

Making sure your insurer is licensed in your state can help you avoid many headaches in the future. Be sure to check what is excluded from the policy you are interested in. Some policies do not cover certain hereditary conditions in particular pet breeds.

You must also be on the lookout for premium increases with age. If possible, you want to buy a policy that you can afford for the entire life of your pet. Check to see what veterinarians you are allowed to go to and which, if any, you are not covered to see. You do not want to lose your favorite family vet just because he/she does not accept your coverage!

Is pet insurance worth it? In the end, you are the only one who can answer this question. You must know your pet, know their inherited risks, and know what you are willing to pay to keep them in good health. Pet health insurance can certainly help you put your worried mind to ease and help to cover your pet’s vet problems when unforeseen occurrences and illnesses spring up.

Why not look for a pet insurance quote right now? You can use this chaser tool and get quotes for your furry friend right now! Type your zip code into the free rate tool and compare pet insurance quotes now!