Are Pet Insurance Plans Worth It? (The Answer Is Yes)

Puppy Finder

You’ve heard of health insurance, car insurance, and even life insurance. But did you know there’s such a thing as pet insurance? It’s true, and if you have a pet, you might want to look into it!

It’s a booming industry with different pet insurance plans available. But are they worth it?

Of course, they are! In this article, you’ll find out why you should consider insurance for pets in your life. 

How Does Pet Insurance Work?

Similar to other forms, pet insurance helps protect owners from unexpected bills. Sometimes, pets get hurt or sick. There isn’t a way around it. 

But when it happens, it’s often extremely expensive. A trip to an emergency vet can range in cost anywhere from $100 to $5,000!  

If you have your pet insured, you won’t feel the burn of these expenses as much. Most nationwide pet insurance plans cover a fair amount of conditions and treatments. Be sure to find one that fits your pet’s needs. 

How Much Does Insurance for Pets Cost?

The cost of pet insurance varies by provider and plan. It also depends upon how much medical care your pet needs. You’ll pay more for a chronically ill pet versus a healthy one. 

Some plans are between $10 to $15 per month, while others are more expensive at $25 to $35. 

Compare pet insurance plans as you look for a provider to find out which one makes the most sense for you. Consider your budget, pet’s health, and pet breed (yes – that matters) to decide what’s best. 

What Does Pet Insurance Cover?

A brief internet search will tell you there are a lot of pet insurance plans to choose from. Different plans cover different conditions and treatments, so comparing pet insurance is a crucial step. 

There are three main types of plans that you’ll find:

  • Accident-only
  • Accident and Illness
  • Accident, Illness, and Wellness


An accident-only plan is for emergency use. This type often covers emergency care, treatment, and testing. In this case, an “accident” refers to any physical injury that your pet suffers accidentally, like broken bones. 

Accident and Illness

An accident and illness plan builds onto an accident-only plan. In addition to accidents, this type covers diseases, parasites, and infections. It’s the most common type of pet insurance. 

Accident, Illness, and Wellness

An accident, illness, and wellness plan is the most expensive, but it covers the most, too. In addition to accidents and illnesses, routine care and exams are covered. Wellness plans are often offered as an add-on to other plans. 

If you only want to be prepared for the worst, opt for an accident-only plan. But if you want your pet’s annual care to get covered, seek out pet insurance with wellness plans. 

Start Looking at Pet Insurance Plans

Now that you know it’s worth it, you have to start researching pet insurance plans. The sooner you purchase one, the sooner you’ll have some peace of mind over your pet’s health. 

Looking for more ways to keep your pet healthy and happy? Browse our website for all the resources you’ll need!

Are Pet Insurance Plans Worth It? (The Answer Is Yes)

Tim Hanson (118)

Tim is a passionate advocate for finding the best dog breeders. He volunteers at Lucky's Rescue, fostering dogs and helping animals. Time also enjoys writing about the best dog breeders and believes dogs can teach humans valuable life lessons.

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