What is Pet Insurance?


More and more pet owners have a question for veterinarians: What is pet insurance?

Many will later ask if they need it, but before most can process that question, they want to know what pet insurance is and how it protects their dog, cat or other family pet.

Pet insurance is a tool to help pet parents avoid a financial crisis due to unexpected veterinary expenses from accidents and illnesses. Pet medical insurance helps pay unexpected veterinary bills, so if your pet has an accident or becomes ill, you have help covering the costs.

Pet health insurers provide several basic types of pet insurance policies and upgrades. Many companies offer a variety of deductibles, similar to auto insurance. This gives you the ability to follow your veterinarian’s recommended course of treatment knowing that your pet health insurance will help provide you with financial peace of mind.

What is Pet Insurance Used for?

Like the health care market for people, the cost of providing quality care for dogs, cats and other pets has gone up. In many ways, this is a good thing. Veterinary medicine increasingly employs more modern techniques, preventative drugs and medicines that help keep the standard of living high for our pets. These treatments can get quite expensive, though, sometimes running into the hundreds, and even thousands, of dollars, creating a steadily growing market for pet insurance.

Basic policies generally cover treatment for accidents, injuries and illnesses. Beyond that, there are variations. For example, coverage for basic medical care, vaccinations and wellness care. Some policies will include spaying and neutering, along with dental and other routine care treatments, which is ideal for new puppies.

Do I Need Pet Insurance?

Once pet insurance is explained, the most common question pet owners have is whether or not they need it. This is a highly personal question that has to do with your financial abilities, and how you would handle a sudden expense for your dog, cat or other pet.

There are many things to consider as you make plans for your dog’s near-term, long-term and emergency care.

The Long History of Pet Insurance

Did you know the first pet insurance policy was written in 1890? That policy was focused on horses and livestock, but since 1947, pet insurance that more closely resembles what we see in today’s market has started to form. The first dog insurance policy sold in the U.S. came in 1982. The owner of that first policy? Television superstar Lassie.

Is Pet Insurance Right For You?

The best pet insurance offers coverage that’s broad enough for whatever care your pet needs and with enough options to get the perfect coverage for you and your pet.

As one of the first pet insurance providers in the U.S., PetPartners has been offering affordable, comprehensive pet health insurance to dogs and cats in all 50 states since 2002. Trusted as the exclusive pet insurance provider for the American Kennel Club and the Cat Fanciers’ Association, PetPartners highly customizable options allow pet owners to create a plan that fits their individual needs and budget — so you’re not paying for added coverage you don’t necessarily need or want. Visit www.PetPartners.com today to see if pet insurance is right for you and your family.”)