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How to Choose a Pet Insurance Policy For Your Dog

When considering pet insurance, the first thing you’ll want to decide is if it’s right for you and your family. If you decide that pet insurance is for you, the next question you should ask is: “Which company and policy is the best one for me and my pet?”

In my opinion, there is no “one size fits all” pet insurance company. They all bring something a little different to the table. That’s one reason it can be so overwhelming to choose a company from the dozen or so that offer policies in the United States.


There is no “one size fits all” pet insurance company

  1. From a veterinarian’s perspective, coverage for chronic, ongoing conditions and hereditary conditions are absolutely essential in a pet insurance policy.

  2. If you have to compromise to get a premium you can afford, raise the deductible first, the copay second, and lower the policy maximum last.

Many pet owners choose the first pet insurance company and policy they come across, and then may have second thoughts later. I recommend that you look at all the companies that offer policies in the United States before making a final decision. Right now, with only a dozen companies, that’s doable. That way, you know you’ve reviewed all the options and have chosen the one that is right for you.

And because no company covers pre-existing conditions, it’s much better to make a wise choice the first time, because if you decide to switch companies later, any conditions your pet has been diagnosed with may not be covered going forward.

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Topics: pet insurance, pet health insurance, vet pet insurance, pet insurance for dogs, pet medical insurance, veterinary pet insurance, doug kenney, Pet insurance options, Best pet insurance company, What is the best pet insurance company, What is the best pet insurance policy

Paying for Pet Emergencies: The importance of a financial plan for your dog

There’s no question you are a responsible pet owner. You’ve taken all the steps to create a safe environment and are vigilant about keeping your pet healthy. However, no matter how much you prepare, there is always the possibility that your pet will develop an unexpected illness or become accidentally injured, prompting an unplanned trip to the vet. And it’s important to have a financial plan in place if this happens.

Many pet owners still don’t understand how expensive it can be to treat an unexpected illness or injury. Here below are some actual pet emergencies and the costs associated with their treatment. After the actual costs of some of these cases I've put the typical range of costs for the conditions, as there can be a lot of variability based on how severely affected a particular pet is, your geographic location, the type of practice/hospital treatment is obtained at, and a wide host of other factors.

  • Cat bite abscess (cat): $1,250  [common range: ~$300-2,000]
  • Hit-by-car (dog): $5,600  [common range: ~$750-10,000+]
  • Urethral obstruction (cat): $2,700  [common range: ~$500-3,500]
  • Toxin ingestion (ate mushrooms, dog): $6,500  [common range: ~$2,500-10,000+]
  • Heatstroke (dog): $4,200  [common range: ~$2,000-8,000]
  • Gastrointestinal foreign body surgery (ate a diaper, dog): $3,275  [common range: ~$1,000-5,000]
  • Vomiting and diarrhea (pancreatitis, dog): $3,000  [common range: ~$300-6,000+]
  • Diabetic Ketoacidosis (cat): $4,600  [common range: ~$3,000-6,000]
  • Back surgery for ruptured disc (dog): $5,600  [common range: ~$3,500-7,000]
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Topics: Dog Safety, Dog Health, pet insurance, pet insurance for dogs, pet medical insurance, pet insurance is it worth it, is pet insurance worth it, Best pet insurance company

Is Pet Insurance Worth It? A Veterinarian's Perspective.

The most common question pet owners ask about pet insurance is: "Is pet insurance worth it?" It’s a valid question and one worth exploring.

I think that people often have the wrong attitude about pet insurance. For example, it's not uncommon for someone to say they would rather just open up a savings account to pay their veterinary expenses rather than "waste" money on pet insurance premiums. This person doesn't understand the purpose of pet insurance.

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Topics: Dog Safety, Cat Safety, pet insurance cost, pet insurance, pet health insurance, vet pet insurance, pet insurance for dogs, pet medical insurance, pet insurance is it worth it, is pet insurance worth it, veterinary pet insurance, doug kenney, should I buy pet insurance

Photo Credit: Preventive Vet

Please do not ask emergency or other specific medical questions about your pets in the blog comments. As an online informational resource, Preventive Vet is unable to and does not provide specific medical advice or counseling. A thorough physical exam, patient history, and an established veterinary-patient-client relationship is required to provide specific medical advice. If you are worried that your pet is having an emergency or if you have specific medical questions related to your pet’s current or chronic medical conditions, please contact or visit your veterinarian, an animal-specific poison control hotline, or your local emergency veterinary care center.

Please share your experiences and stories, your opinions and feedback about this blog, or what you've learned that you'd like to share with others.