Pet Wellness Guides > Why Is Pet Insurance Important?

Why Is Pet Insurance Important?

Posted: 11/06/2023 | BY: Erin Cain | Categories: Uncategorized

Pet insurance is relatively new to the scene, and because of that, there’s some confusion surrounding it. We know and preach the benefits of pet insurance often, and that’s only because of how much we believe in it. Pet insurance can be helpful in a myriad of ways for pet owners.

It should be no surprise that pets incur health risks. Active dogs and curious cats can easily find themselves in sticky situations, and we need to be ready to help them out of it. Pet insurance can ensure that we’ll be there for our pets and remove the worry of huge vet bills. We can’t predict everything, and pet insurance is a great way to hedge against that type of uncertainty.

Why Pet Insurance is Important In An Emergency

Emergencies are, of course, the most important reason to have pet insurance. It’s not unlikely for a situation to happen, at least once, where a puppy ventures out a little too far or jumps and injures himself. Emergencies can be a considerable risk for a pet, and you need to have protections against them. When your pet is insured, you can get them treatment without having to worry about anything else. All you need to do is take them to the vet, and insurance will take care of the rest.

It can be easy to forget that emergencies are a risk. Even many people who are mindful of it don’t imagine these emergencies occurring; thus, the cost involved in pet insurance is a turnoff. However, the amount for emergency coverage is minimal in comparison to how big the vet bills can be. If even one emergency happens, pet insurance can save you hundreds to thousands of dollars.

Besides the fiscal risk, pet insurance can also open you up to more vet coverage. In case of an emergency, you don’t want to have to worry about where to take your pet for care. If you get caught in a situation far from home, it’s great to be able to walk into any vet and get your pet what they need. Emergencies can happen anywhere and at any time, and it’s better not to have to worry about financing that care during an emergency.

Why Pet Insurance Is Important For Illness

Illness coverage is slightly more expensive than emergency coverage, but there’s a good reason for it: illness is considerably more expensive to get treated. Treating illnesses in pets can run a similar cost to illness in people. There are many cases where illnesses in pets will rack up four to five-digit bills that are difficult for pet parents to pay. We’ve heard many stories from people who were putting money away only to find out it wasn’t enough, and that causes undue stress.

Single, short term illnesses can rack up a significant bill, especially for medicines. This scenario can hurt even more when you don’t expect to need the treatment more than once. Chronic illnesses are more expensive because of their nature. If your pet needs to see a vet every few months, that will become costly in the long term. Pet insurance can cut these costs down significantly while spreading out the rest over an extended period.

Illness is often more of a surprise than injury, despite being somewhat inevitable. As a pet grows older, their risk grows. Caring for a pet into old age can be a stressor because of the strong bond and the fear of aging. The idea of going into debt to care for a pet is an idea that we shouldn’t have to consider, and pet insurance cuts back on that.

Of course, age isn’t the only risk factor for pet illness. Certain breeds, especially dogs, are more prone to disease than other pets. If you’re adopting a pug, for example, you need to be aware of the likelihood of illness in those breeds. Genetic conditions will increase the costs of your pet insurance, but that’s a disproportionate increase from the cost of pet illness. When you’re caring for pets who are likely to become ill, you need to be prepared for that illness.

Why Pet Insurance is Important For You

Pet insurance, like health insurance, allows us to provide a better level of care for our pets and their health than otherwise. When you insure your pets, you open them up to treatment you couldn’t otherwise afford. Saving money can also help, and the two should go hand-in-hand; however, it isn’t always that easy. Insuring your pet will cover them when your finances can’t.

Pet insurance will also offer you better peace of mind. There’s a lot of stress involved with any health problem, whether it’s yours, a family member’s, or a pet’s. When you’re in charge of getting treatment and making sure your pet is safe, you’ll worry about it all the time. Are they jumping too hard? Do they usually walk like that? Are they breathing okay?

Usually, everything is fine. But we’ve all had those moments where we don’t believe that to be true. When those moments occur, we often start treating problems that we don’t even have. Pet insurance can help quell those concerns, allowing you a reminder that everything is going to be okay. You won’t have to worry about the money, if the vet is open, or any of those other factors. You’re left with one question: does your pet need treatment?

We all care about our pets. Pet insurance satisfies that care and offers you a bit of rest. It will keep you covered regardless of what comes up, and give you the ability to put your pet first always. We don’t want you to worry about anything else, and you don’t want that either. Pet insurance lets you prioritize your pet without suffering the anxiety of financial worry.

Pet insurance can be very cheap, and vets can be expensive. If you need more peace of mind, get a quote from us today.

By Eric Turner, writer


  1. Wallick, R. (2012). Should You Buy Pet Insurance? Retrieved from:

The information contained on this blog is intended for informational and educational purposes only and should not be construed as medical advice. It is not a substitute for professional veterinary care. Always consult with your veterinarian before making any changes to your pet's health care or treatment plan.

The authors of this blog are not veterinarians and do not claim to be experts in pet health. The information provided here is based on our own experiences and research, as well as information from reputable sources. However, we cannot guarantee the accuracy or completeness of this information.

We encourage you to do your own research and consult with your veterinarian before making any decisions about your pet's health.

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