Health Insurance for Pets: Here's What to Know

The nonprofit organization Consumer's Checkbook analyzed policies offered by a dozen insurance companies, and their analysis revealed that pet insurance doesn't always save owners money on veterinary appointments.

The reason is that most plans are quite expensive, according to Kevin Brasler of Consumer's Checkbook. Many of them charge up to $250 a month by the time the pet turns ten years old, the age when many animals really need veterinary attention. For animals with few or moderate health problems, none of the policies Consumer's Checkbook looked at proved to be a good deal. But if your pet needs a lot of medical attention, insurance could be of great help.Brasler says pet owners should carefully read the health insurance contract, especially the fine print. This can help you avoid nasty surprises when you need to use your coverage, because not all plans are the same.

Try to avoid contracts where companies charge you high premiums and copays, and keep in mind that most plans don't cover pre-existing conditions. If a pet owner feels more comfortable without heavy insurance coverage, they can opt for accident coverage. Those plans are cheaper and cover bills from big, unexpected veterinary visits.

Don’t even think about taking your pet to Veterinary Specialty Hospital for an ER visit or longterm care for a pet with a terminal disease if you don’t have Pet Insurance. Saving your pet’s life shouldn’t depend on if you can afford to pay the Vet bill. Get Pet Insurance.

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