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Should I Consider Getting Pet Health Insurance?

Almost 75% of all households in the U.S. own a pet. This totals to more than 218 million pets in the U.S. alone! While owning a pet is generally a wonderful experience, there are times when having a furry family member can be a financial headache. Like humans, pets get sick or injured and require medical assistance.

We all know how pricey routine trips to the vet can be; imagine the cost of an emergency trip or surgery! No matter the cost, most pet owners are willing to pay whatever it takes to ensure their pet receives the best medical care. Want to minimize the financial worries that come along with veterinary services? If so, now is a good time to consider pet insurance.

Caring for Dog

What Is Pet Insurance?
In 2011, Americans spent nearly $61 billion dollars on their pets. This amounts to about $500 a year. However, this number can grow exponentially if your pet gets sick or requires serious medical attention. A bout of pneumonia costs $960, on average, to treat. A tooth abscess costs more than $431. This isn’t pocket change for most pet owners.

To avoid falling into a financial rut because of veterinary costs, consider signing up for pet insurance. The best time to sign up for this type of coverage is when your pet is young, as these pets are usually healthy, which keeps premiums low. Just like health insurance for humans, pet insurance has a set deductible and coverage that depends on your dog’s health. Other driving factors include breed, size, and your location.

Benefits of Pet Health Insurance
One of the biggest benefits of pet insurance is peace of mind. It's nice to know that you're covered in the event that your dog or cat gets sick and requires emergency vet services. Knowing that you don’t have to dish out thousands of dollars to pay for pet wellness services is a huge weight off of your shoulders.

With coverage for your pet, you're never stuck deciding between your pet and your money. Pet insurance takes the financial issue out of the equation and allows you to base your decision solely off of what's best for your pet. As treatments continue to advance, general checkups and operations are becoming more costly. An insurance plan can offset some of these costs, making them less impactful to you.

Choosing the Right Coverage
There are hundreds of different pet insurance options to choose from. Before signing any paperwork, be sure to conduct some research. First, know the type of plan you need. Some companies offer plans that cover injury, illness, and wellness. Other plans cover hereditary diseases and dental care. Know what coverage you need and find a plan that provides just that.

Other factors to consider before choosing a pet insurance plan include:

  • Coverage exclusions
  • Deductibles
  • Co-pays and maximums
  • Premiums

Be sure to compare the cost of insurance versus paying out of pocket before signing up. If your pet is generally healthy and rarely requires out of the ordinary trips to an animal hospital in Fort Collins, you may pay more for insurance when compared to out of pocket costs.

Caring Veterinary Services in Fort Collins
Looking for a veterinarian in Fort Collins? If so, look no further than Advanced Animal Care of Colorado. We accept a variety of pet insurances and will work with you to ensure your pet gets the best care possible. As a holistic veterinarian office, we implement a variety of treatment options, including Chinese medicine for pets!

Don’t go another day without a reputable veterinary office at your side. Call us today at 970-818-5054 to schedule an appointment or to learn more about our services.


1. https://www.bls.gov/opub/btn/volume-2/pdf/spending-on-pets.pdf

2. http://www.prweb.com/releases/petfirst/averagevetcost/prweb11890624.htm

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