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Cats-n-Dogs-Hub is pet-lover supported. When you buy through links on our site, we may earn an affiliate commission. Learn more

What is Pet Insurance

Pet insurance is a policy purchased by a pet owner to offset the overall cost of their pet’s medical bills. It can help cover the cost of veterinary bills for accidents, illnesses, cancer treatments and many more. This can give you peace of mind by making health costs for your dog and cat more affordable, letting you enjoy extra quality time with your four-legged family members. Anyone who owns a pet should consider pet insurance. While it may be tempting to avoid the monthly costs while your pet is still young and relatively healthy, you can never anticipate what might happen as they grow older. It is advisable to have pet Insurance.

Why You Need to Know About Buying Pet Insurance ?

Like any other pet owners, you will be surprise when your Dog happens to swallow a toy when suddenly breaks while playing or develops a giant hairball, such instances can quickly drain your bank account. In an emergency, having good pet insurance will cover medical costs so you don’t have to choose between going into debt and saving your pet’s life. Therefore, it’s best to buy pet insurance before any health concerns arise or accidents occur, but even elderly pets or those with pre-existing conditions can benefit from insurance. If you think you can’t afford insurance or don’t think it’s worth it, we recommend you to have a look at different plans to decide for yourself what are the best plans that will at least cover lifesaving surgeries and medical emergencies. Pet insurance is all about securing peace of mind for the future.

Why to insure early ?

Why even think so much when you already have one or decided to bring a 6-week-old kitten or adopting a 6 month old puppy. They become your family and we don’t think more but to care for the family. The sooner you sign up for pet insurance, the better it is. As there are a lot more benefits, plans and offers for your furry Pet. Pet insurance tends to get more expensive as your pet gets older, and many companies don’t cover pre-existing conditions. As your pet ages and experiences more accidents or illnesses, it can be harder to secure affordable coverage for them. However, if your pet is older and uninsured, our experts say, it’s worth pursuing. You will pay a bit more for an older animal and the costs associated with aging, but pet insurance can still be extremely beneficial so why to wait.

What Does Pet Insurance Cover?

Complete coverage gives you the comfort of knowing what your pet is covered. To help you get the best sense of what pet insurance covers, here are some key things to look closely at in your policy. 


  1. Accidents : Accident coverage can help you care for your pet when they get hurt .It covers injuries and emergencies related to accidents, like torn ligaments, dangling limb, bite wounds, cuts, broken bones, swallowed objects, and toxic ingestions. It also includes all sorts of services, such as X-rays, MRI, ultrasounds, bloodwork, sutures, medications, hospitalization, and surgery. 
  2. Illnesses : You can get reimbursed for the costs of major and minor illnesses, such as cancer, arthritis, hypothyroidism, ear infections, digestive problems, and urinary tract infections (UTIs). It can cover expenses for everything from diagnosing the health condition to the treatments your pet needs to get better. 
  3. Behavioral Issues: Behavioral issues with symptoms such as excessive licking, fur pulling, pacing, biting and destructive chewing, can be distressing and harmful to your pet. Sometimes they can damage your home and disrupt your family life. 
  4. Complementary Therapies: Complementary therapies are methods of trying to treat illnesses and problems, which work alongside or instead of conventional medicine. The word ‘complementary’ refers to the fact that they may be used in addition to the conventional medicine advised by your veterinary surgeon. There are lots of alternative therapies available to help pets recover from an injury or illness. They include acupuncture, physiotherapy, chiropractic care, rehabilitative therapy, hydrotherapy, and low-level laser therapy. 
  5. Chronic Conditions: Chronic conditions typically require long-term treatment, they are expensive prescription medications that can easily cost many thousands of dollars every year, for conditions such as diabetes, allergies, and cancer. With complete coverage, you don’t have to worry about a condition just because it is ongoing. 
  6. Prescription Medication: Prescription drugs for pets can be expensive. If your pet suffers an allergic reaction or has a chronic condition that requires ongoing care. Complete coverage includes prescription medication coverage for covered conditions. 
  7. Microchip Implantation: A microchip is a tiny computer chip that is implanted by an injection similar to a vaccine needle under the skin of your pet. Anesthesia is not necessary and most animals don’t feel the injection, which is done by a veterinarian. This may seem like a small thing, but it can help in a big way when it comes to making sure your pet is returned to you safely.

Tips for choosing pet insurance

As you compare pet insurance online, there are several things you should consider.


  1. Coverage and Price: It’s important to balance coverage with price. Of course, you want your premium to fit into your budget, but keep in mind that the lowest cost plan may not be the best option if it doesn’t give you the coverage your pet needs. Choose coverage that works for you. Discuss your pet’s health with your veterinarian, get an idea what common health conditions your pet could face that may be breed related, or if there’s a history of health issues in your pet’s family tree.
  2. Research Pet Insurance Providers: Before you decide to enroll your pet in a pet insurance policy, compare pet insurance providers. A side-by-side comparison will show the difference in plans, premiums, deductibles, co-pays, sample reimbursements and plan details, including exclusions and additional features.
  3. Enroll Young and Healthy Pets: It’s important to enroll pets when they’re young and healthy to avoid limited coverage due to pre-existing conditions and to reduce the cost of your policy. As your pet gets older, they may become more expensive to insure. This would be reflected in your premium.
  4. Excess  Many policies include an excess. This is the amount you have to pay if you decide to make a claim on your policy. Some insurers ask for a percentage-based excess as well as a flat fee. This is known as co-insurance excess. The amount of the excess is specified in your policy. Avoid policies that increase the excess amount as your pet gets older, unless you would prefer a higher excess fee in return for cheaper premiums

When is the best time to buy pet insurance?

If you don’t get pet insurance when you first bring your furry friend home – which you should – the best time to buy it is before the summer and winter seasons hit. That’s when your pets are exposed to the elements and in the most danger of illness and accidents. The first, thing you really should get pet insurance is when you first get your pet. You don’t know when the worst will happen, and you don’t want to be on the fence about taking action because of how it’ll affect your bank account.

  1. Summer Time: While summer is a time for relaxation and warm vacations, it can be pretty dangerous for your pets, if more times outdoors, and between the heat, plants, and animals out in the wild, there are a lot of chances for injury.
  2. Plants: There are a lot of plants that your pets shouldn’t be eating, and a lot of them are outdoors. Eating certain flowers and shrubs can cause vomiting, diarrhea, or worse. Some plants that can physically hurt your pet without actually being ingested. Foxtails, for example, have barbs that can dig into sensitive parts of pets like ears, eyes, nose, and feet. The barbs can also be ingested and work their way into the lungs.
  3. Bites and Stings: Flora & fauna are dangerous. When your pet is trekking outside, it’s vulnerable to a lot of animals, ranging from ticks, spiders, and wasps to snakes to rabid animals like raccoons.
  4. Heat: The dangers of heat can manifest in a few ways for pets. Just like us even pets can get a sunburn, though they are covered in fur, there are still spots that are susceptible to burn, particularly around the face. If your pets are walking around on hot asphalt, the pads of their feet can get cracked and burned, too. Then there’s heatstroke, pets can fall prey to hyperthermia without proper cooling and hydration.
  5. Winter Time: Unfortunately, winter presents its own challenges. If your pet managed to make it through summer unscathed and uninsured, you should still consider pet insurance before the temperatures drop. Just as extreme heat can be an issue for pets, extreme cold can be just as bad. Hairless or short-haired pets are particularly in danger of illness or even hypothermia. Limiting their time outdoors or investing in cold weather gear can help.

There are times when you could get pet insurance – when the weather is getting extreme and you’re thinking about your pet’s wellbeing, why not look into it then? – but it’s important to note that there’s obviously no wrong time to get pet insurance ,you can get pet insurance throughout the year. So if you have a pet, or are thinking about getting one, please do so today. There’s no need to put it off any longer.

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