Biggest Reasons People Insure Their Pets

Group of cats and dogs in front of white background

While you might enjoy excellent and cost-effective medical treatments, the same cannot be said of your pets. Pet owners experience little surprises every single day, most pleasant and others not so much. In fact, you never know when you might step away from your beloved family dog for just a moment and return to find a hook lodged in their lip. The unexpected vet bill of having it safely removed may end up costing hundreds, and your wallet may not be capable of weathering such a cost. However, you need not use your credit cards, borrow money, or empty your savings just to keep your pet healthy. Instead, pet insurance might be your best option.

It may not surprise you to learn that less than three percent of dog owners and one percent of cat owners insure their pets. The most common reason for this fact is the sheer lack of knowledge about the policies offered, what they cover, and just how much they can help an owner save. One in three pets require emergency veterinary care each year, and you deserve the chance to choose the best option for your pet rather than what is best for your wallet.


Dogs and cats become ill just as easily as you might, and they catch many of the same viruses and conditions. For example, any animal may suddenly grow a brain tumour or develop diabetes. Cats may even develop a form of AIDs from having interactions with stray cats in the neighbourhood. However, they are far more likely to come down with a sudden infection than something as serious as cancer.

Common symptoms of illness include vomiting, diarrhoea, lack of appetite, lethargy, and generally odd behaviour. Dogs and cats may also develop chronic illnesses, such as allergies, which may end up costing a great deal after treatment, medication, and more. Fortunately, you can save yourself the brunt of the bill by choosing pet insurance.


Insurance policies designed for dogs and cats cover 80 percent of qualified expenses, such as medications, surgeries, and other treatments. With a bill that can quickly total in the thousands, having 80 percent of it covered by your policy should allow you to focus on the needs of your pet rather than those of your wallet. In short, you spend a little now (in insurance premiums) to save yourself thousands in the future.


Curiosity killed the cat, according to the famous saying, but this is not nearly the most common case. In most cases, your cat may simply find itself with an injury, such as a cut or broken bone. Dogs are no exception to this rule, either, and curiosity may be the leading cause for injuries in pets of all species. That said, you never know when you might come home to a limping animal in your home, and you need to prepare yourself for that surprise. Insurance policies may be taken out for an animal of any age, but experts recommend you buy one early. No matter if you picked up your dog or cat from a shelter, the side of the road, or bought it from a friend, you stand to gain by choosing a policy.

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