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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Making a decision about the health of your pets means looking carefully at the pros and cons of pet insurance.

As with any decision there are advantages and disadvantages. Weighing them will help you make the right decision. Learn all you can about both sides of pet insurance before you make your choice.

Get free online insurance quotes immediately by entering your zip code now!

There are a wide variety of pet insurance options on the market today. Some of the more high-end expensive policies offer extensive coverage for practically any visit to the vet, whether it is routine or not.

On the other hand, certain cheap policies are riddled with exceptions; it is hard to get anything covered. Know what you are getting before you take out a pet insurance policy is a good idea.

The Pros of Pet Insurance

With pet insurance, you have true peace of mind about the health of your animal. With pet insurance you can know:

  • That if he or she is seriously injured or hurt, you don’t need to worry about where you will get the money to pay the veterinary bills
  • Can be comforted by the fact that you do not have to make difficult decisions about your animal’s future solely because of money concerns
  • That your companion is getting the care it needs

The right pet insurance brings peace of mind. Many types of pet insurance are not as particular as traditional insurance. This means they will insure your animal regardless of the age of the animal, its pre-existing conditions and its current medical condition. The cost of most pet insurance policies are also very affordable, just be sure that the coverage being provided is adequate.

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The Cons of Pet Insurance

Pet insurance policies have a variety of limitations. Many such limitations are even specific to certain medical conditions your pet may be suffering from. If your animal is being treated for a serious illness and the coverage limit is reached with your policy, you will need to pay for the rest of the treatment yourself.

If you carry certain types of pet insurance you will need to find doctors who are participating in the program. This means that despite geographic convenience or personal preferences, the veterinarians you must use for your animal’s care are often not the ones you would choose.

If your animal does not incur a serious need for vet care during the year, you will not recover the money you put into the pet insurance. Even if your typical care is covered under your plan, you will find that with deductibles, co-insurance, premiums and for things that are not covered, you will pay out more than if you paid for your animal’s care yourself. This makes this a rather shaky investment, even for animal lovers.

Exclusions are quite common in pet insurance. It is very discouraging to bring your animal to the vet for care believing that your insurance would take care of it, only to find out that the condition falls under one of exclusions. So now you are out your premium and you still have to pay for the needed care.

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Start Shopping for the Right Pet Insurance Now

For those in the market for pet insurance, there is no better way to find the right policy for you than to get quotes from the free online quote tool. In fact, it is very easy to do so.

  • Input your zip code in the tool to get started
  • Answer the questions about the type of pet insurance coverage you want and about your pet
  • Your information will be gathered and submitted to a variety of different insurance companies
  • The quotes you want will be provided to you via your home computer

Once you get the pet insurance quotes, carefully compare them. Because there is no true standard pet insurance policy, expect to find differences between policies. Take these differences into consideration in making your decision.

Check out the company you are considering doing business with before you actually take out a policy. Find out how they treat their furry and people customers by doing an online search for reviews about the insurer. You should also look into the financial stability of the company by getting its independent insurance rating from a company like A.M. Best, Moody’s, Weiss Ratings or Standard & Poor’s.

Start shopping around online and comparing competitive rates from top insurers today. Use the online pet insurance quotes tool now!