Pet Insurance: What’s Best For Your Pet?

by Mary Haight on April 7, 2016

pet insurance what's best

Protect Your Pets


It has been years since I’ve written about Pet Insurance and much has changed in the industry, including the providers. asked me to take a look at what they offer. It really is worth the three minutes it takes to tick a few boxes and fill out minimal information to have several suitable company’s links to explore. This is a Sponsored Post.

Every now and then you’ll find a flurry of posts and magazine articles talking about pet insurance – is it worth it, do you really need it, what are the best companies, and how do you choose the best solution for your pets? You want to do what’s right, but it’s all so confusing.

You might start to feel uneasy, maybe even a little panicked knowing you haven’t opted into a plan yet, but here’s the thing: Purchasing an insurance policy early in your pet’s life generally means lower monthly payments. That can be a crucial element in a tight budget.

Having insurance is not only about protecting our furry family and getting them necessary medical care, it’s also about avoiding being in the untenable position of having to kill your dog because you can’t afford to pay $10 -15,000 for a lifesaving cancer operation, car accident injuries, or other devastating illness.

Pet Care Roulette

I confess I took a gamble with Tashi. I thought about insurance 16 years ago, then I waded through plans, deductibles, exceptions, weird fine print that left me scratching my head – the whole thing made me uncomfortable. So I did nothing, hoping for the best.

When his canines fell out shortly after he came home, and then never grew back, I got worried. Then he couldn’t keep any organic kibble down, so it was back to cooking for dogs. Things calmed down completely after that and he hasn’t really been sick in the intervening years until recently.

It would have been nice to have insurance with Tashi’s recent trouble. Vet bills add up in a flash, are usually a surprise, and come at the worst possible time. My dog had a cough that wouldn’t go away. (I know!) With my heart pounding, we went to his Veterinarian.

pet health insurance

Tashi waits for the vet


He had a physical exam, a blood test, and a set of two x-rays. No collapsing trachea, a condition Shih Tzus can have, was evidenced. Well, that was a relief! I felt like I could safely exhale. His lungs showed fluid present and a couple of courses of antibiotics and steroids ensued. Later, x-rays showed clear-as-a-bell lungs. His cough is permanent as are the steroids with a cough suppressant.

Shortly after the vet trips, Tashi’s eye swelled so much it scared me. Off to a specialist. The trouble is age-related, and four meds for his eyes will stave off the loss of his sight. Trouble happens fast!

It’s been reported in the industry that every 6 seconds a pet parent is faced with a vet bill over $3,000, and 1 in 3 pets will need unexpected vet care. Of the $12.2 Billion projected spend on vet care, I’ve contributed my small share. So far I’ve spent close to $2,000 and medications will be on-going monthly at nearly $200, which is not much given a healthy lifetime, but there’s a lesson here.

Gambling in matters of health and welfare is unwise – our dogs deserve better. A rough estimate for pet insurance coverage can be less than $20 a month to $50 depending on the age and breed of your dog.

I’ve seen and heard the suggestions about saving the money yourself in a separate fund, but I just can’t get behind that. Life has far too many “emergency” scenarios that would justify “borrowing” those funds. I wouldn’t want that kind of guilt to rain down on me should something terrible happen.

Pet Insurance, What’s Best?


Pet Insurance Quotes

A journey can start with a quote, comparing all 12 US pet insurance companies, the quick way to determine costs and benefits, or check out the review section to get a real sense of how customers have been serviced by companies you’re interested in. There’s also a profile page for each pet insurance company, updated regularly to include policy changes. You’ll get company ratings, reviews, and scores, waiting periods, exclusions, a company snapshot and a little history. Wherever you begin, the company rankings, information, and tools are accurate and up-to-date, as promised.

I know one of the problems I had when searching for insurance all those years ago was frustration with terminology. If there’s anything more time-consuming than trying to find the  meaning of what can look like word salad to a non-industry insider…but you don’t have to endure that with this page which clearly defines pet insurance terms. Who needs surprises arising from misunderstanding your terms of insurance?

There’s no fee for service, and you won’t get charged higher rates on your new pet insurance policy. Companies are ranked using a 100-point pet insurance score, factoring in customer satisfaction, price, and coverage for every company and plan, explaining in detail how those factors are weighted.

Savings are important to everyone, and by comparing the plans available through, you can save 25%, sometimes more. They are independent of any insurance company, and present information without bias.

pet insurance quotes

Pet Insurance – Good For All Dogs know their industry and are the only pet insurance agency to be licensed in all 50 States. Since 2011, they’ve sold thousands of policies and provided over a million people with important information via the easy to use quote system. On a scale of F to A+ at the Better Business Bureau, their rating is A+.

The policies you’ll see quoted cover accidents and illness to hit the most economical price point, but, with some companies, a routine care policy can be added if that’s a concern.

You should know that no pet insurance company will cover pre-existing conditions, one of the very good reasons to get insurance in place while your dog or cat is young.

You’ll have to decide what kind of coverage you want for your dog, what hereditary diseases are concerning, and how that squares with your budget. I think offers a thorough yet easy way to get your questions answered and find the policy that will work for you and your pet throughout their lifetime.

Just for fun, well, if you’re into oddball facts like me, check out this page with a brief history of pet insurance. Did you know that Lassie was the first dog in the US to be insured in 1982, or that the first policy issued in the UK was in 1947, and well ahead of everyone was someone in Sweden who in 1890 insured horses and livestock.

If you have a pet insurance story you’d like to share in the comments, we can all learn from each other =)

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