7 Myths About Pet Insurance Dispelled

Pet insurance is a big business, but many pet owners have misconceptions about what it does and does not cover. Some people may not buy insurance because of these myths, even though it could save them money and help them take better care of their pets. We’re here to bust seven pet insurance myths so pet owners can make better choices.

Myth 1: Pet insurance is too expensive

There is a cost for pet insurance, but it is reasonable. There are options for people with different budgets, as premiums depend on your pet’s coverage, age, and breed, and where you live. Many policies let you create your plan, allowing you to choose your own deductible and benefit amounts, which can have a big impact on your monthly premiums. When owners consider the costs of medical treatment or care for a long-term illness, pet insurance can save them a lot of money in the long run.

Myth 2: Only suitable for sick pets

Some pet owners believe that dogs only need insurance if they are sick or likely to become sick. But it may be more helpful to get healthy cat insurance. Most pet insurance plans do not cover conditions before the policy takes effect, so obtaining coverage while your pet is healthy can provide him with better security. Furthermore, accidents can happen at any time, even if your pet is healthy, so it is wise to get insurance.

Myth 3: Getting pet insurance is difficult

Pet insurance may seem difficult to understand at first, but once you understand the basics, it’s quite simple. Most policies cover accidents, illness, and surgery, and many policies also include additional coverage for health care and routine care. Understanding the specifics of your policy, such as deductibles, coverage limits, and what your policy doesn’t cover, can help you get the most out of your policy. Many insurance companies also offer customer service to assist policyholders with claims and coverage choices.

Myth 4: You Can’t Choose Your Vet

If you have your health insurance, you usually have to stay in the network. But if you have pet insurance, you can usually go to any licensed doctor. This freedom is a great advantage, as it allows you to continue visiting your favorite vet or specialist when necessary, without having to worry about network limitations.

Myth 5: Claims are not paid often

Pet insurance companies often deny claims, leaving pet owners out of pocket. This is not true. Not all claims will be paid, such as those for pre-existing conditions or items not covered by insurance, but most valid claims will be paid. To increase your chances of having your claim approved, make sure you understand the terms of your policy and submit all necessary documentation as soon as possible.

Myth 6: Pet insurance only pays for accidents

Many pet owners think that pet insurance only covers accidents, such as injuries from a car accident or eating something. Most comprehensive pet insurance policies cover much more than this. They cover common diseases, long-term illnesses, surgeries, and even genetic and birth defects. Other things some plans cover include medical tests, treatments, and medications.

Myth 7: Young pets don’t need insurance

You may think it’s wise to wait until your pet is getting older and likely needs medical care before purchasing pet insurance. But young pets are often very busy and accidents can happen. Taking out insurance for a young pet also ensures that any long-term or genetic conditions are covered before they arise, which can be considered pre-existing conditions if the policy is purchased later.


Pet insurance is a useful tool for pet owners because it can help them pay for medical expenses and give them peace of mind. Busting these common myths can help pet owners better understand the pros and cons of pet insurance. This will help them make the decision that is best for them and their pet. If you choose the right plan, pet insurance can be an important part of being a responsible pet owner.


1. Is cat insurance worth the price?

It can be a good idea to get pet insurance, especially if your pet needs emergency medical care, which can be very expensive. By setting fixed monthly costs, you can avoid larger, unplanned expenses, saving you thousands of dollars in emergency surgeries or treatments.

2. Can I take out insurance for a sick pet?

People have health problems before they buy pet insurance. These are called ‘past medical history’. But if the pet recovers from an illness and shows no symptoms for some time, there may no longer be a pre-existing condition.

3. What do most cat insurance policies cover?

Typically, pet insurance covers new injuries and illnesses, surgeries, some medications, and sometimes even hospitalizations and diagnostic tests. It is important to read the terms of your cover as what they cover can be very different.

4. Is there a pet insurance policy that allows you to choose any vet?

One of the benefits of pet insurance is that you can usually choose a qualified veterinarian. This freedom is especially useful if you want to ensure that your pet receives care from a veterinarian or specialist whom you know when he or she needs it.

5. How long does it take for a pet insurance application to be processed?

Each pet insurer has its own rules for how long it takes to process a claim, but generally, it takes several days to two weeks. By providing all necessary evidence and completing the claim form correctly, you can speed up the process.

6. Does pet insurance cover monthly checkups and care to keep your pet healthy?

Standard pet insurance usually only covers sudden illnesses and injuries. On the other hand, many companies offer supplemental health plans or riders that cover preventive care such as immunizations, annual exams, and flea and tick protection.

Leave a Reply

Your email address will not be published. Required fields are marked *