Bringing a pet into your home is one of life’s greatest joys. They become part of the family, offering unconditional love, companionship, and plenty of funny moments. But what many pet owners don’t anticipate is the financial side of pet care—especially unexpected vet bills.
A routine check-up might cost $50-$100, but what about an emergency surgery for an intestinal blockage ($800-$7,000) or cancer treatment ($5,000+)? These surprise costs can be overwhelming. That’s why more pet owners are considering pet insurance as a way to plan ahead.
Did you know?
1. Over the past decade, the cost of veterinary services has increased by more than 60%.(Source: Brownsburg Animal Clinic)
2. 64% of pet owners were surprised by how expensive pet care was in their first year. (Source: Pawlicy)
3. Less than half of pet owners are financially prepared to handle a pet’s medical emergency. (Source: New York Post)
Curious about how to protect yourself from surprise vet bills? Dive into our pet insurance guide below so you can make the best decision for your pet (and your wallet). 🐾
Is Pet Insurance Right for You? (Quick Checklist)
Before we jump into the deep end of the water bowl, let’s do a quick test. If you say yes to any of these, pet insurance might be a wise choice:
✅ Does your pet’s breed have common health issues? (Bulldogs & breathing problems, Labs & hip dysplasia)
✅ Would a surprise $3,000+ vet bill be stressful?
✅ Do you want peace of mind knowing you can afford care when it matters?
✅ Does your rental require pet insurance?
→ Check pet insurance rates for your pet here
How Pet Insurance Works
Think of pet insurance like health insurance—but for your furry friend.
Here’s how:
1. Choose a plan (coverage, deductibles, reimbursement rate).
2. Visit any licensed vet—no networks like human insurance.
3. Pay upfront, get reimbursed (most plans cover 80-90% after the deductible).
Some policies cover accidents and illnesses only, while others include routine check-ups, vaccines, and even dental cleanings.
Common Vet Costs (With & Without Insurance)
“I know that if/when my fur baby gets sick, I have the peace of mind to be able to take her to the vet with pet insurance.” -Pet Owner & Lemonade Customer
Other Ways to Save On Vet Costs
If pet insurance isn’t for you, consider these alternatives:
💰 Set up a dedicated pet emergency fund ($50/month can add up over time).
📋 Look into wellness plans (some vets offer prepaid plans for routine care).
🔖 Use discount programs (some credit cards and membership programs offer vet discounts).
Final Thoughts: Protecting Your Pet & Your Wallet
Owning a pet is a rewarding experience, but it comes with responsibilities—both emotional and financial. Whether you choose pet insurance or another savings method, planning ahead is the best way to ensure your pet gets the care they need without financial stress.
If you’re considering coverage, take a few minutes to explore your options:
→ Check pet insurance rates for your pet here
Looking for more support with pet insurance? Get in touch with our team at crew@moved.com
