You love your pet like family, but here’s the reality: One in three pets will need emergency veterinary treatment every year, and a pet receives emergency care every 2.5 seconds in the U.S.
Routine visits are manageable, but what happens when an emergency strikes?
If you think you’ll never face that moment, consider this: the average cost of treating a broken bone in dogs is $2,700. Cancer treatments? Up to $10,000.
It’s why so many pet owners say their biggest regret isn’t the vet bill—it’s not having pet insurance when they needed it most.
Vet Emergencies Can Cost Thousands. Are You Prepared?
Accidents and illnesses don’t wait until it’s “convenient.” A swallowed sock, a torn ACL, or a sudden illness can happen out of nowhere, leaving you with tough choices. Without insurance, most owners have two options: dip into savings or put vet bills on a credit card.
But with a good pet insurance plan, you can be reimbursed for up to 90% of covered costs. That means your $5,000 emergency bill could shrink to just $500 out of pocket. Sound worth it?
What Does a “Good” Pet Insurance Plan Look Like?
Not all pet insurance is created equal. When comparing plans, here’s what to look for:
- Coverage for Major Emergencies: Make sure the plan includes accidents, illnesses, and hereditary conditions.
- High Reimbursement Rates: Look for plans that cover 70%, 80%, or even 90% of costs.
- Customizable Deductibles: A lower deductible means less out-of-pocket expense when you file a claim.
- No Annual Caps: Avoid plans that limit how much they’ll cover in a year—emergencies can add up fast.
The average cost of a solid pet insurance plan is around $35/month for dogs and $25/month for cats. That’s less than you spend on coffee runs or streaming subscriptions—but it could save you thousands when it matters most.
Hope Isn’t a Plan—Insurance Is
Every year, thousands of pet owners are hit with vet bills they didn’t see coming. Some are forced to choose between draining their savings or denying their pet life-saving care.
Ask yourself: “If an unexpected $5,000 vet bill hit tomorrow, could I afford it?”
If the answer is no, it’s time to get covered.
You’ll be the hero your pet already thinks you are, with coverage that protects their health and your wallet.
What We Like
These days, we expect a lot from insurance companies. They should evolve with the times: be easy to work with, upfront about the coverage, and make it simple to learn about the benefits they provide.
Take a look at Lemonade. They have a great app that actually works, they have an instant chatbot that is faster and, dare we say it, friendlier than most companies’ “real” customer service and a quick scroll through Reddit will uncover… people are really vibing with this brand.
They must be doing something right, and we’d agree, so go check them out.
