{"id":609,"date":"2019-08-01T18:59:09","date_gmt":"2019-08-01T18:59:09","guid":{"rendered":"https:\/\/bowmanvet.com\/?p=609"},"modified":"2021-08-18T12:56:11","modified_gmt":"2021-08-18T19:56:11","slug":"the-big-question-is-pet-insurance-worth-it","status":"publish","type":"post","link":"https:\/\/www.bowmanvet.com\/blog\/the-big-question-is-pet-insurance-worth-it\/","title":{"rendered":"The Big Question: Is Pet Insurance Worth It?"},"content":{"rendered":"\n<div class=\"wp-block-image\"><figure class=\"alignleft size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"533\" src=\"https:\/\/www.bowmanvet.com\/blog\/wp-content\/uploads\/2019\/08\/iStock-629768152.jpg\" alt=\"Auburn, CA cat with paw on owner's hand.\" class=\"wp-image-610\" srcset=\"https:\/\/www.bowmanvet.com\/blog\/wp-content\/uploads\/2019\/08\/iStock-629768152.jpg 800w, https:\/\/www.bowmanvet.com\/blog\/wp-content\/uploads\/2019\/08\/iStock-629768152-768x512.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/figure><\/div>\n\n\n\n<p><span style=\"font-weight: 400;\">If your pet was injured and needed emergency hospitalization to survive, could you afford to have them treated? Today, advances in veterinary science have afforded pet owners and pets a very high level of care, but it comes at a price. Estimates show that pet care costs average $1800 per year, which can put a significant financial strain on many families.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Of course pet owners want to take the very best care of their furry friends \u2013 they\u2019re members of the family, after all! This is where pet insurance comes in. Just as human health insurance is designed to offset our own health care costs, pet insurance can ease the burden of an unexpected injury or illness in our pets. But, is it worth it? <\/span><a href=\"https:\/\/bowmanvet.com\/\"><span style=\"font-weight: 400;\">Bowman Veterinary Hospital<\/span><\/a><span style=\"font-weight: 400;\"> explores.&nbsp;<\/span><\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\"><span style=\"font-weight: 400;\">Pet Insurance Basics<\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Pet insurance is designed to help pet owners meet the cost of unplanned injury or illness in their pets. Some plans also cover <\/span><a href=\"https:\/\/www.bowmanvet.com\/blog\/the-cats-meow-cat-health-and-preventive-care\/\"><span style=\"font-weight: 400;\">wellness care<\/span><\/a><span style=\"font-weight: 400;\">, such as <\/span><a href=\"https:\/\/www.bowmanvet.com\/blog\/brush-up-on-the-basics-the-need-for-a-pet-dental-exam\/\"><span style=\"font-weight: 400;\">dental cleanings<\/span><\/a><span style=\"font-weight: 400;\">, exams, vaccinations, and the like. However, these plans are more expensive.\u00a0<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Unlike human health insurance, most pet insurance companies expect pet owners to pay for veterinary services up front, and submit the bills for reimbursement. One company, <\/span><a href=\"https:\/\/trupanion.com\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span style=\"font-weight: 400;\">Trupanion<\/span><\/a><span style=\"font-weight: 400;\">, offers an option to directly pay veterinary hospitals, allowing pet owners to pay only their portion of the invoice.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span style=\"font-weight: 400;\">Do Some Leg Work&nbsp;<\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Selecting a pet insurance policy is an individual choice, so it\u2019s important to do some preliminary research and make a selection based on your needs. Many of <\/span><a href=\"https:\/\/www.bowmanvet.com\/staff\/our-veterinarians.html\"><span style=\"font-weight: 400;\">our team members<\/span><\/a><span style=\"font-weight: 400;\"> have Trupanion for their personal pets, so if you have questions, please don\u2019t hesitate to contact us.\u00a0<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">When researching pet insurance companies, compare the following points.<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Monthly premiums\/ cost<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Deductible amounts<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Lifetime limits<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Waiting periods<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Exclusions, including genetic conditions<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Payout maximums per incident<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Add on costs<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Pre-existing conditions<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Age limits<\/span><\/li><\/ul>\n\n\n\n<p><span style=\"font-weight: 400;\">After you\u2019ve looked at these comparisons, call your top three companies. Customer service is important when working with a pet insurance company, so make sure all your questions are answered.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Lastly, looking at online reviews from other consumers can be enlightening (with a grain of salt, of course!)<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span style=\"font-weight: 400;\">Peace of Mind<\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Back to our original question: is pet insurance worth it? Many pets will sustain an <\/span><a href=\"https:\/\/www.bowmanvet.com\/blog\/is-there-a-pet-emergency\/\"><span style=\"font-weight: 400;\">injury or an illness<\/span><\/a><span style=\"font-weight: 400;\"> at some point in their lives, and these events can cost thousands and thousands of dollars. We all hope our pets don\u2019t go through these things, but perhaps the biggest value in pet insurance is peace of mind.\u00a0<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">If your pet is critically injured and needs to be hospitalized or has a major illness such as kidney disease or cancer, pet insurance can allow you to focus on what\u2019s important \u2013 your pets care and comfort \u2013 instead of how you will pay for treatment.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">If you have other questions about pet insurance, please <\/span><a href=\"https:\/\/www.bowmanvet.com\/#contact\"><span style=\"font-weight: 400;\">call our team<\/span><\/a><span style=\"font-weight: 400;\"> at any time. We\u2019re happy to help!<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>If your pet was injured and needed emergency hospitalization to survive, could you afford to have them treated? Today, advances in veterinary science have afforded pet owners and pets a very high level of care, but it comes at a price. Estimates show that pet care costs average $1800 per year, which can put a [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":610,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[23,31],"tags":[81,82,83],"class_list":["post-609","post","type-post","status-publish","format-standard","hentry","category-pet-emergencies-first-aid","category-pet-health-wellness","tag-cost-of-veterinary-care","tag-pet-insurance","tag-pet-wellness-plans"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>The Big Question: Is Pet Insurance Worth It? | Bowman Veterinary Hospital<\/title>\n<meta name=\"description\" content=\"Back to our original question: is pet insurance worth it? 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