Why would anyone consider the extra monthly expense of a health insurance policy for their dog or cat?

I was waiting to be seated at a local restaurant yesterday and struck up a conversation with an elderly lady seated beside me. She was distraught because her 3 year old dog had developed canine epilepsy. She told me the epilepsy was treatable, but not curable, so she was going to be stuck with some pretty large medical bills for her dog.

A few years ago, my neighbor’s dog knocked down a tiki torch and drank the fuel out of it. They had the dog’s stomach pumped and ended up with an $800 vet bill.

My aunt had a poodle which developed a heart problem several years ago. This dog was the joy of her life, so she did everything she could to save it. Several operations and thousands of dollars later, her dog’s health is much better, but she is still paying the medical bills for her poodle.

I’ve been reading numerous blogs and forums lately about dogs and cats, and it’s very clear to me that pet insurance can be a real life saver, literally. I don’t know about you, but I wouldn’t be able to pay thousands of dollars if my dogs developed some type of life-threatening disease. And it would devastate my family and me if we had to put one of our dogs to sleep at such a young age.

I did some research on common veterinary treatments, and found out the following typical amounts that people have had to pay for medical care for their dog or cat:

  • Cancer treatments: $3,500
  • Fractured leg: $2,300
  • Hip dysplasia: $2,400
  • Ingestion of foreign body: $2,100
  • Motor vehicle accident: $3,212
  • Bladder stones: $1,152
  • Infection: $1,015

These are real people with real bills to pay.

After my conversation with the lady at the restaurant, I decided to look into pet health insurance for my 2 yorkies. I found a few companies which offer dog health insurance and cat health insurance, but I decided to go with the Embrace Pet Insurance. I filled out the application online, received a quote, and signed up immediately. Sure, it’s an extra expense, but it really is nice to have the peace of mind to know that the pet insurance will be there.

I really hope you consider getting insurance for your dog, insurance for your cat, or both. I look at pet insurance like this… my pets are part of my family. If I’m buying insurance for my family, then I’m buying it for my pets, too. I hope you never have to take your dog or cat to the vet for anything serious, but if you do, have the insurance gives you the peace of mind to know that the bills can be paid.

Resources: Embrace Pet Insurance

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1 Comment on Pet Insurance – Should You Dog or Cat Have Health Insurance?

  1. DogLover24 says:

    My mom bought insurance for her dog. 2 months later, her dog had to have eye surgery. It saved her about $1200.

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