Which Pets Need to be Insured?

Choosing whether or not to insure your pets is a pretty big decision. Insurance for animals doesn’t quite work the same as health insurance for humans. It’s more like insurance on a mobile. You buy insurance that covers your pet for certain scenarios such as illness, injury, or routine care. When you take your pet in for care, you pay for it and then are reimbursed by your insurance according to your agreement. You can get insurance that pays a percentage of your costs or pays a flat rate. Insurance that pays a percentage of your costs is probably preferable, since your costs can fluctuate. Many people who find that their money is tight think that insurance for a pet might be unnecessary. You may think you’re saving money by skipping insurance, but you’re really not.

How It Saves You Money

Pet insurance can save you money in the long run because you won’t be responsible for the high costs of care. Medical care for animals can get quite expensive. When animals are young, they have to be inoculated against many different viruses and diseases. They also need care to make sure that they are growing properly. Very active animals that spend a lot of time outside also need special protections against heartworms, fleas, ticks, and other sorts of pests. Once animals get older, they might need care to protect them from arthritis, cancer, and other signs of aging. All of this care can be incredibly expensive. However, it is much more manageable if you have insurance.

For example, flea and tick medicine might appear expensive. However, treatment for a disease or infection that results from fleas or ticks is much more expensive than the preventive medicine could ever be. So, prevention is actually the more affordable option. It also spares your pet the pain of having to deal with an infection.

Different Kinds of Insurance

There are a few different kinds of insurance from which to choose. Usually, insurance breaks down into three categories: injury, illness, and routine care. Typically, routine care is the most expensive coverage plan. This is because routine care covers check-ups, vaccines, spaying or neutering, and other common procedures. These procedures tend to be less extensive or expensive as some other options, but they do happen with much greater regularity.


There is also insurance which will cover costs related to an injury or illness that your pet might contract. If your pet is very active, you will probably want to invest in injury insurance. Active pets, especially young ones, may be at a higher risk of injury. Usually these are very minor injuries, but they’re best treated quickly. Young dogs are especially prone to run-ins with bees and wasps. Insurance will help you get them the quick treatment they need without breaking the bank.

Insurance for your pet is the economical option that allows you to care for your animal while also saving money. You spend a little money upfront, but you and your pet are covered for years to come.