“It’s not worth the money.”

You might feel this way until you get hit with an unexpected and expensive veterinary bill. Just a simple accident like your pet swallowing a toy can cost hundreds or even thousands of dollars to treat. Pet insurance can help you focus on your pet’s care with less worry about the cost. It’s also easier to budget for a monthly premium than a bill that comes out of the blue.  

“It won’t cover what I need”

You might be surprised at just how much is covered with certain plans. For instance, Complete CoverageSM covers everything you’d expect and some things you might not like cancer and stem cell therapy. It also has a list of exclusions, which includes cosmetic procedures (such as tail docking), breeding costs, and pre-existing conditions (no one covers them although there are differences in how providers define them). Look at a sample plan for a full list.

“My pet is young and healthy so I don’t need it.”

If you have a puppy or kitten, pet insurance could end up being your best friend! Those energetic little furballs have a way of getting into trouble. It’s also smart to enroll in pet insurance sooner rather than later. If something happens to your pet before you enroll, it would be considered a pre-existing condition and wouldn’t be covered by any provider.

“It’s better to save up for my pet’s care.”

This can be risky since there’s no way to know when an emergency might come up or how much it would cost. If you don’t have enough set aside in time, you may need to add to your credit card debt, put off other expenses, or borrow from family members. You could also drain your savings with just one incident. With pet insurance, you have coverage up to your annual limit, which resets each year.

“I’ll need to stick to a list of providers.”

No list of providers here! You are free to use any veterinarian or specialist you want. No referral or pre-approval needed either. You can also visit any emergency clinic. This can be a relief when you need to get your pet medical attention as fast as possible and your regular clinic is far away or if they are closed.

“It’s hard to submit a claim.”

We work hard to make that part easy. You can file claims online, using our app, or by fax or mail—whichever works best for you. We’ll keep you posted as your claim is processed and you can check the status online anytime. You can also sign up for direct deposit so you don’t have to wait for a check in the mail.

Now that these common pet insurance myths have been debunked, check out the coverage options for your pet. Get a free quote.