When it comes to our pets, we all consider them to be members of the family, and we are all willing to spend whatever it takes to give them the best medical care we can. Veterinary specialists can do amazing things these days, but everything comes with a price.


We have seen customers struggle with emergency room bills and we have seen customers heartbroken because they can not continue to afford the treatment and/or medication for a long term decease. The odds are that just as a child, our pets will visit the ER at some point in their lives. Or just as grandma, they will have limitations when they turn seniors, and will require treatment and medication. Either of these situations will be frightening and stressful, but it will be more bearable if you don't have to worry about the vet bills. 


Just as medical insurance for humans, you will find a wide variety of companies offering pet insurance, a variety of prices, and a variety of plans (coverage). And just as comparable to medical insurance for humans, the coverage and the price should depend on the pet's type, breed, age, level of activity and quality of life.


Don't look at pet insurance as a  savings account in case something goes wrong, but look at it as a way of managing risk. The odds are your will need it at some point of your pet's life, and with pets living longer these days, the chances of using the policy are greater than ever. Also think of it as you would of insurance for humans : "Peace of mind".


What you will find in the market could be easily resumed : basic coverage, medium coverage, major coverage, and wellness plans. 


When you are shopping for pet insurance you will want to look for :

  • Is there a physical exam required to get coverage?

  • Is there a waiting period?

  • What percentage of the bill do they pay — after the deductible?

  • Are payments capped in any way?

  • Are there co-pays?

  • Does the plan cover pre-existing conditions?

  • What about chronic or recurring medical problems?

  • Can you choose any vet or animal hospital?

  • Are prescription drugs covered?

  • Are you covered if you travel with your pet?

  • Does the policy pay if your pet is being treated and dies?

  • Are congenital or hereditary conditions covered >


We are no experts in insurance policies, but we have carried pet insurance for more than 13 years for all of our own pets and we truly believe it is an investment that is worth every penny.  There are many good companies out there and I can provide you with our own personal experience with NATIONWIDE PET INSURANCE (Former VPI Pet), which has been wonderful. Give me a call, I would love to share our experience with our four pets.