Pet Insurance
min read

Is Pet Insurance Worth It? Everything Pet Owners Need To Know

Is pet insurance worth the cost? Here are the benefits of having a pet insurance policy and the alternatives to consider as a pet parent.

If your pet became seriously injured or fell ill, would you be able to easily afford their medical care?

As a pet parent, are you contemplating purchasing a pet insurance plan for your dog or cat?

The pet insurance industry has gone through massive change over the past few years. According to the North American Pet Health Insurance Association, more than 3 million dogs and cats in the United States had pet insurance in 2020 - a 23% increase from the year before.

With many veterinarians and industry professionals recommending pet insurance to their clients, pet owners are contemplating the decision of whether or not they should purchase a policy for their furry best friend.

Unfortunately, we cannot predict the future and accidents and illnesses often occur without any warning. These situations leave pet parents worried, upset and stuck trying to figure out how they are going to pay for their pet’s expensive veterinary bills.

In order to avoid the stress of paying thousands of dollars for unexpected treatments, pet insurance is often the best solution. With the right pet insurance policy, your pet will always have access to quality care and you’ll have peace of mind knowing you can afford it.

To help you decide whether pet insurance is the right option for protecting your pet, let’s answer this simple question:

Is pet insurance worth it?

In this article we will discuss:

  • How pet insurance works, what it covers & the cost of pet insurance
  • The benefits of insuring your pet
  • Why pet insurance may not be the best option for you
  • Alternatives to pet insurance

This Is How Fursure Pet Insurance Works

If you’re unfamiliar with how pet insurance works, here’s a simple breakdown of the process with a Fursure Pet Insurance plan:

  1. You’ll purchase the best policy for your pet and your budget
  2. Bring your pet to the veterinarian for any treatments they may need
  3. Pay for their care using our Direct Pay feature powered by your Fursure Insurance Debit Card
  4. Leave with confidence knowing your pet was well taken care of and you were able to use your plan to pay for their treatment!

With a quality pet insurance plan from Fursure, you can bring your pet to the veterinarian with confidence.

Here are a few key factors to note about pet insurance:

  • Your plan will be customized to your pet. This includes their breed, age, any existing health issues or conditions they may have.
  • Chronic conditions, disease or allergies can be covered.
  • If you have more than one pet, you can obtain insurance for each. Fursure offfesr a multi-pet discount!

What Does Pet Insurance Cover?

Pet insurance coverage options can be broken down into two categories: accidents and illnesses. Here is what they cover:


Accidents for your pet include, but are not limited to:

  • Getting hit by a car
  • Swallowing a rock or stick or sock (foreign object ingestion)
  • Breaking a bone or cruciate ligament injuries (ACL)
  • Eating something toxic/getting poisoned
  • Being attacked by another animal

Pet insurance coverage for accidents usually includes:

  • Exams
  • X-rays
  • MRI
  • Ultrasounds
  • Blood work
  • Suture
  • Medications
  • Hospitalization
  • Surgery


Illnesses that could occur for your pet include, but are not limited to:

  • Cancer (40% of dogs and 20% of cats get cancer)
  • Arthritis
  • Diabetes
  • Allergies
  • Skin Conditions
  • Hyperthyroidism
  • Kidney Disease
  • Ear infections
  • Digestive problems
  • Urinary Tract Infections

Coverage for illnesses will often include:

  • Full congenital and hereditary coverage including breed specific illnesses like hip dysplasia
  • Cost of major and minor illnesses - exams, x-rays, surgery, etc**.**

Additionally, Fursure offers a wellness option that you can add-on to your accident and illness plan. This can include procedures such as:

  • Veterinary expenses
  • Annual exams, Flea/Tick and Heart worm Medication
  • Shots / Vaccinations
  • Teeth Cleaning
  • Spay / Neuter

When selecting your pet insurance plan, you can choose from the 4 typical coverage options:

  • Accident & Illness
  • Accident Only
  • Accident Illness With Wellness
  • Wellness
fursure pet insurance

How Much Does Pet Insurance Cost?

According to NAPHIA, the average annual cost for an accident and illness pet insurance policy for dogs is $594 and $342 for cats.

And, the average monthly cost for dogs ranges between $25-$70 and $10-$40 for cats.

The cost of pet insurance will greatly depend on these factors:

  • Your Pet’s Age
  • Whether You Have a Dog or Cat
  • Your Pet’s Breed
  • Where Your Live
  • The Coverage Package You Select

As your pet gets older, the cost of insurance tends to rise due to the fact that they are more prone to health issues. That is why we recommend insuring your pet as soon as you bring them home from the breeder, shelter or rescue.

The Benefits Of Pet Health Insurance

There are several benefits to having a pet insurance policy for your dog or cat. These include:

  • Peace of mind knowing that your pet is protected and has access to quality veterinary care
  • Confidence that you can afford their medical bills - taking care of your pet should never have to be a financial decision
  • Lifetime protection (if their policy is purchased when they are young)

In all, having a pet insurance policy is the best way to ensure that if your pet was to have an accident or fall ill, you’d be able to afford their treatment.

Many pet parents don’t realize that emergency veterinarian care could easily cost $1,500 to tens of thousands of dollars without a pet insurance plan. And, having a pet insurance policy means that you never need to choose between taking care of your pet and your ability to afford it.

Why Pet Insurance May Not Be The Best Option For You

Pet insurance is a great option for the majority of pet parents. Yet, there are certain instances where pet insurance may not be the best option for you.

Pet insurance may not be the best option if your pet has pre-existing conditions. Currently, no pet insurance provider in the United States offers coverage on treatments for pre-existing conditions.

So, Is Pet Insurance Worth It?

As a pet owner, you should buy pet insurance if:

  • You want to have peace of mind knowing your pet is always protected
  • You would suffer financially if you were faced with an expensive veterinarian bill
  • Your pet is healthy & doesn’t have any pre-existing conditions

Pet insurance may not be the best fit if:

  • Your pet has pre-existing conditions
  • You can easily afford to pay thousands of dollars in expensive veterinary bills

At Fursure, we believe that buying pet insurance shouldn’t be confusing or time consuming. Our mission is to make it easy for you to get coverage quickly for your pet and avoid the stress of expensive medical bills and procedures.

Made by pet parents, for pet parents, Fursure Pet Insurance is here to make your life easier. So, you can spend less time worrying about affording your pet's care and spend more time with that lovable, furry friend of yours.

To get your pet covered in just a few minutes, buy a pet insurance policy today!

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