Do you need pet insurance?

When a beloved pet becomes ill or wounded, the owner is forced to make difficult decisions while dealing with a great amount of stress. Managing the expenses of a pet’s sometimes-lifesaving care exacerbates an already tough situation. That’s where pet insurance comes in.

Why should you get pet insurance?

Even for a young pet, it just takes one bad occurrence for a veterinarian cost to exceed the cumulative premium payments. Dog and cat owners may rest easy knowing that many of their unexpected veterinary costs will be covered if they purchase a pet insurance plan (note: most insurance companies require owners to pay upfront and submit a claim for reimbursement). 

How much does pet insurance cost:

The cost of pet insurance will vary depending on factors such as the pet’s:

  • Species
  • Gender 
  • Whether it’s been spayed or neutered
  • The insurance policy you purchase (e.g. accident only, emergency care only, boarding fees, examination fees, etc.)
  • Limits
  • Deductibles
  • Coinsurance / Copay
  • History of previous claims
  • Where do you reside?
  • Whether the pet is a service animal or not 

Is pet insurance really worth it?

When it comes to deciding whether or not pet insurance is a good investment, it all comes down to how healthy your pet is and how much you’re prepared to spend on their medical care. According to the American Pet Products Association, the average yearly cost of pet care has increased by 15% for dogs and 28% for cats in the previous year. With veterinary care costs anticipated to grow, having a pet insurance coverage in place might help cushion the blow if your pet requires costly medical treatment. If you have additional questions about your pet insurance please contact Panichelle Insurance at

You can also learn more about our pet insurance at

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