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Should You Get Pet Insurance for Your Puppy?

Note: I’ve partnered with Pet Insurance Quotes to bring you this post.

Should you get pet insurance for your puppy?

I’ve never had pet insurance for any of my pets, but … times have changed. I decided I am signing my weimaraner puppy Remy up for pet insurance, and I’ll tell you why.

Should you get pet insurance for your puppy

Why I’m getting pet insurance for my puppy

1. Peace of mind. I don’t want to worry about something happening to my dog or how I’m going to pay for it. I don’t want to make healthcare decisions for my dog based on whether or not I can afford it.

2. I’d rather pay monthly premiums than a large vet bill. Since we don’t have pet insurance for my senior dog Ace, I’ve paid thousands out of pocket for his vet bills and medications in the last 8 months. It’s been difficult, and I hope to avoid that with puppy Remy.

3. It’s not necessarily about saving money. I used to value pet insurance based on whether or not I would “save” money long term. I don’t look at it that way anymore.

It would actually be ideal if I lose money on pet insurance for Remy over his lifetime because that would mean he’s lived a long, healthy life. (See peace of mind, above.) On the other hand, pet insurance definitely would’ve saved me at least $5,000 with Ace even after factoring in the cost of monthly premiums.

[quote_center]I don’t want to worry about something happening to my dog or how I’m going to pay for it.[/quote_center]

4. Cost of veterinary care is increasing. In my opinion, the pet healthcare system is (unfortunately) becoming a lot like the human healthcare system. It’s good there are a lot of options for treatments and for extending a pet’s life and quality of life, but the costs are also increasing.

I could not believe some of the quotes I was given for Ace in the last few months, and I never in my life imagined I would spend the amount of money on any pet that I’ve spent on Ace.

But like I said … times have changed.

My own values, when it comes to my pets, have changed.

In the last year, I’ve learned the limits on what I will spend on a pet are much higher than I thought. (There are still limits, don’t get me wrong.)

My experience with Ace is what helped me decide pet insurance makes sense for me and my new puppy Remy.

The pet healthcare system will most likely continue to change in Remy’s lifetime, but for now anyway, pet insurance makes sense for us.

How to choose a pet insurance company

You may remember I wrote about a site called Pet Insurance Quotes last fall. Pet Insurance Quotes is an independent pet insurance agency that offers plans from the top providers in one place. It offers a free tool that helps you pull up quotes from different companies in seconds.

I went back and used Pet Insurance Quotes again to find the right pet insurance company for my puppy Remy.

Pet Insurance Quotes logo

I simply entered my basic info like my dog’s age and breed, my zip code and my email address.

Once I received my quotes, I could go in and edit details like the annual deductible I want to pay ($500) and the reimbursement level I am most comfortable with (80%).

This helped me find the right monthly premium cost for my budget. (Around $35/mo.)

For me, the top three companies recommended were:


  • Healthy Paws
  • Petplan
  • Pet’s Best


Once I’m ready to sign up, I can do so directly through Pet Insurance Quotes.

What questions do you have about pet insurance?

I was on the fence about pet insurance for a long time, and one reason for that was because I had a lot of questions.

Below are some of the questions I had about pet insurance, and Pet Insurance Quotes was able to answer them for me.

Should you get pet insurance for your puppy

In the comments, let me know what questions you have about pet insurance and I’ll get them answered. You can also learn more about pet insurance in general here.

My questions about pet insurance:

Q: Are medications generally covered by pet insurance?

A: Yes, all medications related to illness/accident are covered by any standard pet insurance policy. You can add a wellness care plan that will cover supplements, flea & tick, etc.

Q: Do the monthly pet insurance rates go down if the pet is spayed/neutered?

A: With most companies you get a 5% annual discount if your pet is spayed/neutered.

Q: Is it easy to change or cancel a pet insurance plan?

A: Yes, you can change, upgrade or downgrade with any company. Just like home or auto you can cancel at any time.

Q: Do the monthly rates generally increase each year?

A: Yes, all companies change rates annually, the average is 5-10% per year. 

What questions do the rest of you have about pet insurance?

Let me know in the comments! I’m also curious if you have pet insurance for your pet and why you decided to sign up.

Click here to use Pet Insurance Quotes

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