Pet insurance is a policy that reimburses pet owners for a portion of covered veterinary costs when their pet becomes sick or injured. It can help reduce the financial stress of unexpected vet bills, allowing pet owners to access necessary care without the burden of high costs. We highly suggest having pet insurance for your puppy or setting aside some money specifically for surprise vet bills. The last thing we want is there to be a decision between being able to afford care for your pet or not. 

Key aspects of pet insurance:

• Financial Protection:

  Pet insurance acts as a financial safety net, covering a percentage of vet bills for accidents and illnesses. 

• Coverage:

  Policies typically cover diagnostics, procedures, medications, and hospitalizations related to new accidents and illnesses, including hereditary conditions. 

• Reimbursement:

  Once a claim is submitted, the insurance company reimburses the pet owner for a portion of the covered expenses. 

• Types of Coverage:

  • Accident-only: Covers costs associated with accidents, like broken bones or injuries. 

  • Accident and illness: Covers both accidents and illnesses, providing broader protection. 

  • Wellness: Covers preventative care, like checkups and vaccinations, often reimbursed as a percentage of the cost. 

• Cost:

  The cost of pet insurance varies based on factors like the type of pet, age, breed, and location. 

• Benefits:

  • Peace of mind knowing financial resources are available for vet care. 

  • Avoidance of economic euthanasia (putting down a treatable pet due to financial limitations). 

  • Improved pet health outcomes as owners are less likely to delay necessary treatment. 

• Considerations:

  • Waiting periods: Policies often have waiting periods before coverage for certain conditions begins. 

  • Pre-existing conditions: Pre-existing conditions are generally not covered. 

  • Routine care: Routine care costs like annual checkups are usually not covered. 

Where to find pet insurance:

Several companies offer pet insurance, including Trupanion (what your puppy will leave with for a 30 day free trial), AKC, USAA, Allstate, Embrace Pet Insurance, Lemonade Insurance, and Healthy Paws Pet Insurance.