Pet insurance can help reduce medical expenses for your dog or cat

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Veterinary bills can be expensive — especially when emergency treatment is needed. Fortunately, if you have Pet insuranceThese bills can be partially or fully covered.

Like human health insurance, pet insurance policies cover the cost of certain treatments, medications and services for dogs and cats. In some cases, they even extend to preventive care and wellness checks.

Pet insurance costs much less than human health insurance Exact cost depends On the type of animal, her Breeding, age, and health status. A typical accident and illness pet insurance plan for a dog runs just under $600 for an entire year. Insurance Information Institute. For cats, it’s just $343.

Not sure if this cost is worth it for your furry friend? There are several reasons why pet insurance is generally worth the money, which we’ll explore below.

If you’re in the market for pet insurance, get started now by getting a free price quote so you know exactly what to expect.

Why pet insurance is worth it

Here are four reasons you might want to buy a pet insurance policy.

This can reduce your pet’s medical expenses

Caring for pets can be expensive, especially if they are injured or develop serious health conditions. Dental surgery, for example, runs more than $1,200, while removing a foreign object from your pet’s stomach can cost $2,250 or more.

With pet insurance, the cost of these services is significantly lower. See below for the cost of various veterinary services with and without comprehensive pet insurance (90% reimbursement rate):


Cost without insurance

Cost including insurance

Removal of bladder stones






Removal of foreign body from stomach/intestine



Dental Surgery – Rooms; Dentistry



The exact savings will depend on your pet’s care needs, the type of pet insurance you purchase, and your pet insurance company, but as you can see above, they’re often quite large — especially when a major surgery or treatment is involved.

It can be tailored to your exact pet and needs

Pet insurance is very flexible. You can get one dog insurance Accident and sickness coverage only or a Cat insurance Policies that include vaccinations, annual check-ups and other forms of wellness care.

Most pet insurance policies have a variety of packages you can choose from, as well as add-on services such as preventative care, dental services, and more. You can even choose different Exemption level And Reimbursement rate Get the perfect fit for your budget and animal.

You can start checking prices with Pet Insurer Lemonade right here or use the table below to compare some of the top providers.

It can improve the quality of life

There are many pet insurance pros, but perhaps the biggest one is that it prevents you from making impossible decisions about your pet’s care and life. If your pet needs very expensive life-saving treatment, pet insurance ensures that your furry friend can get it no matter what your bank account is.

Look at an example of this. If your dog needs $10,000 in surgery to remove a cancerous tumor, but you only have $1,000 in savings, you’re faced with some tough choices. Will you be in debt for treatment? Let your pet be in pain? Euthanize animals to save money? With pet insurance, you don’t have to make these decisions.

It can give you peace of mind

Finally, like any insurance policy, pet insurance is a kind of safety net. You may not always need the services and coverage it offers, but the little chance you do, it’s there to help lighten the financial load.

This peace of mind can be especially helpful if you’re on a tight budget or have very little savings, because you’ll always know there’s a backup plan in case the unexpected happens.

Get a free pet insurance quote in 30 seconds here to see if it makes sense for you.

Other considerations

There are many here Benefits of buying pet insurance, but it has its drawbacks. For one, most pet insurance companies will not cover older animals Predefined conditionsSo if your pet has asthma, allergies, diabetes or any other chronic problem before getting coverage, a pet insurance policy won’t extend to cover those problems.

In addition, you have a chance to not use more of your policy. For example, if you have an accident-only pet insurance policy and your animal goes an entire year without injury, it may not be worth the investment in the end. Although having it can still provide peace of mind.

Ready to invest in pet insurance?

Pet insurance prices vary widely by provider, so if you’re considering Purchase a policyto confirm shops around. Compare different pet insurance policy types, coverage, deductibles and reimbursement rates to make sure you’re getting the best deal for your money.

If you’re not sure which pet insurance provider is right for your pet, talk to an independent insurance agent. They can point you in the right direction.

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