Pet Insurance: Top 10 Benefits of Pet Insurance from a Vet’s Point of View

Pet Insurance: Top 10 Benefits of Pet Insurance from a Vet’s Point of View.

Many people have health insurance for themselves and maybe wonder what about health insurance for their pets. There are many great benefits of having pet insurance both for your furry family member and your peace of mind.

Just like how you lean on a doctor for medical advice, a veterinarian can help you better understand the annual benefits of pet insurance along with giving advice on the best plans. So, what pet insurance do vets recommend?


This article will cover some of the benefits of pet insurance for your pet and some affordable options for pet insurance vets love.

Why You Need Pet Insurance
Chances are, any veterinarian you ask will say pet insurance is worth it for a dog (and for most other animals for that matter).

Most pet insurance companies will have different plans to meet your needs and budget. Some policies cover wellness as well as accidents and illnesses, and some plans only include accidents or illnesses (but not pre-existing conditions).

Still, you have to pay for routine vaccines, heartworm and flea, and tick preventative care. The more that your pet insurance plan usually covers, the higher the amount you pay each month.

Today, there are many different types of pet insurance available with different coverage limitations. This makes it easier than ever to find a plan that fits the needs of your pet (typically based on their health and age) and your budget. If you don’t know why pet insurance is needed for your pet, talk to your veterinarian to gain a better understanding of your furry friend’s existing and predicted medical needs.


If you have a dog, regardless of his or her age or medical history, you should invest in pet insurance to help you navigate possible expenses in the future.

What are the Benefits of Pet Insurance?

Many people already have health insurance plans for themselves. When looking at health insurance for your pets, there are many great reasons to have pet health insurance.

These are the most common reasons a vet would tell you why you need pet insurance:

#1 Pet insurance saves you money.

When your pet is sick, you can use their health insurance plan to save you money. This is often one of the most obvious benefits of pet insurance and the first thing people think of when investing in a plan.


Depending on what company you have a plan with, there is usually a small deductible that you have to meet. After meeting this deductible, the insurance plan will then pick up a certain percentage of the vet bill, and you will pay the rest (which is often significantly less than what you would pay if you didn’t have pet insurance).

#2 Pet insurance allows you to focus on your pet’s health.

By having pet insurance, you can focus more on the health of your pet and less on the cost of veterinary care. You will be able to afford a costly surgery for your dog instead of worrying about where you are going to get the money to pay for the procedure.

Any vet will tell you that peace of mind is one of the best benefits of pet insurance!

#3 Pet insurance increases your options for treatment.

Pet insurance will allow you to be able to choose and afford many different options. You will be able to provide life-saving surgeries or chemotherapy. Without insurance, these will cost you thousands of dollars or may not even be affordable.

You never know what life brings. Your healthy dog could be injured or diagnosed with an illness suddenly, and pet insurance helps ease the financial burden associated with this surprise.


#4 Pet Insurance saves you money on expensive treatments.

When your pet is hospitalized, the insurance company will help cover the cost of the vet stay and any testing that is needed. No more worrying about whether you can afford expensive but effective treatment for your furry family member!

It’s stressful enough when your pet is hospitalized. Pet insurance means you don’t have to sacrifice your pet’s treatment due to funds.

#5 Pet insurance allows you to be able to pick your vet.

Unlike human health insurance that requires you to see specific doctors, one of the benefits of pet insurance is it gives you the freedom to choose what doctor you want to treat your pet.

You also do not need a referral from a doctor to see a specialist. This is very beneficial for after-hours and holidays, as the specialty hospitals are the only ones open during this time. It also allows you to be picky about who is treating your pet, so you can find a veterinarian who is a good fit for fido’s temperament and veterinary needs.

Just like how you can find a doctor that you like, so can your pet. Choosing a veterinarian your pet likes can make visits to the vet much less stressful.


#6 Pet insurance is obtainable for all pets.

Even if your pet is older, you can still get coverage for them at affordable rates. Pet insurance companies do not discriminate against different breeds or the age of your pet. What pet insurance your vet recommends will depend on your dog’s age and medical history.

While you can still find pet insurance for older dogs, there might be different coverage limitations applied.

#7 Pet insurance gives you peace of mind.

By having pet insurance, you are providing yourself with peace of mind that if anything does happen to your pet, you can afford to take care of them. Many pet insurance policies will reimburse about 80% of the cost after you meet the deductibles. One of the benefits of pet insurance isn’t that it’s only great for your wallet, but it can also ease much of the stress that happens when your pet needs veterinary care.


#8 Pet insurance helps budget the cost of pet care.

When you pay for your pet insurance, you are helping spread the cost of pet care out over a few months rather than having to find a large sum of money in an emergency situation. Life is unpredictable, but one of the benefits of pet insurance is it can help you budget for any surprise veterinary expenses while balancing finances in other aspects of your life.

#9 Pet insurance keeps you from using your savings.

When unexpected events happen, you do not have to drain your savings account to pay for your pet’s care. Some people will try to have a savings account designated for their pets but will frequently use that money to pay for unexpected major expenses such as car repair with money meant for pet care.

#10 Pet insurance gives you the freedom to pick your plan.

Most pet insurance companies will offer different types of policies. Some of these just cover major medical expenses and others will cover all vet visits.


Of course, these are just a handful of the benefits of pet insurance. Investing in a pet insurance plan for your dog or cat is truly invaluable, and your veterinarian can help you understand even more specific benefits of pet insurance. You can also always discuss with your vet about the best pet insurance for your furry friend.

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