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So, Is Pet Insurance Worth It?

By Colleen Williams
May 19, 2016 • 2 min. read
Is Pet Insurance Worth the Cost

Table of Contents

While we’ve always espoused the virtues of pet insurance, there are some real financial figures to consider when making your decision—namely, can you afford it if your pet gets sick or injured?

The investment in pet insurance can help save a life and keep you out of the red. We often see owners wishing they’d purchased insurance plans before their pet got sick or injured, and while it is becoming more popular to insure your pets, it still isn’t the most immediate choice. If you’re on the fence, we have some good news: Consumer Reports just released an article comparing the costs of pet insurance, and we’re happy to say Healthy Paws came out on top.

The Major Benefits

Healthy Paws offers cat and dog insurance that covers injuries, illnesses, genetic conditions, and emergency care. Our one plan makes it easy for you to sign up and even easier to protect your dog or cat from the unexpected. Like most pet insurance companies, we don’t cover pre-existing conditions. Unlike most pet insurance companies, we do not have limits on claims. We provide low premiums, and Consumer Reports repeatedly found that “Healthy Paws’ plan was the only one that paid more than it cost.”

You’re able to choose your deductible amount and coverage, and Healthy Paws pays a flat percentage of covered costs thereafter. Working on a reimbursement basis, you submit your hospital or vet bill via our mobile app, and we issue you a check. It’s that simple.

While lots of pet owners rely on a savings account for emergencies, unfortunately, animals with trauma or a sudden onset of illness can wipe those savings completely out. Diagnoses can lead to expensive urgent care including surgeries and follow-up. Consumer Reports continues, “A serious illness or injury can take a financial toll, even when the patient is a pet. Cancer treatments can easily run $5,000; surgery to fix a torn ACL from, say, a poorly executed jump off the sofa can cost about $3,300. Pet insurance is sold with the promise that by helping to cover some of your pet’s medical bills, you won’t be forced to consider ‘economic euthanasia’ in the most dire circumstances.”

So it is a personal decision, and an emotional one we—your fellow pet parents—don’t take lightly. So is it worth it? If you’ve ever had a major medical bill for a pet, you know the answer: absolutely yes.

colleen williams
By Colleen Williams

Over the past decade, Colleen has written about health, wellness, beauty, and even pets for The New York Times, The Cut, Refinery29, xoVain, Healthy Paws Pet Insurance, and Seattle Met Magazine, as well as many beauty brands. She has a BFA in Art History from the University of New Mexico and an AAS in Fashion Design from Parsons School of Design in New York.

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