Why Pet Insurance?

Do Puppies Need Pet Insurance?

Being a new pet parent can be wonderful. Welcoming home a pet, especially a puppy is a joyous experience. Tweaking our daily routines around our little pets and learning to care for them can be deeply fulfilling. While having a puppy around the house is lots of fun, it can also involve some serious considerations. Pet insurance is a great way to help safeguard against unexpected vet bills.

Why Does My Puppy Need Insurance?

All puppies, regardless of their breed, are extremely playful and enthusiastic. Their adventurous natures and curiosity may lead to accidents and injuries even if we are super careful as paw-rents. So, it can be a good idea to get your puppy pet insurance to help you manage their eligible veterinary expenses while looking after them – whether you are a first-time pet parent or a well-experienced pet parent. 

Here are a few reasons why it could be a good idea to have a pet insurance policy: 

  • Medical mishaps: Accidents can happen at any time. Having a pet insurance plan that covers unexpected accidents can help keep your wallet protected from vet bills.

  • Pet care can be expensive: Most pet parents already know this. It can be a costly affair to care for pets, even if veterinary expenses are not included. When the medical bills are included, not all pet parents can manage to cover these unexpected expenses without financial assistance.

  • Accessible for common problems: One good thing about pet insurance for your puppy is that policies typically cover common medical ailments such as digestive issues, allergies, skin infections, and so on, as long as they are not pre-existing. 

  • Your puppy will age: It is hard to imagine that your tiny puppy will ever be old, but dogs tend to grow up very fast and before you know it, your canine buddy may have to deal with issues related to aging. It is better to think ahead while your pup is still young. A pet insurance plan can help with peace of mind for unexpected medical bills, helping you focus on providing a good standard of living for your puppy even into their old age.

6 Factors That Could Affect the Cost of a Pet Insurance Premium 

Multiple factors can affect your pet insurance premium, and it may vary for different pet insurance providers. Here are a few factors that may impact pet insurance costs for your puppy:

  1. Pet breed: Your pup’s breed can be a determining factor when it comes to insurance coverage. This is usually because some dog breeds can be more prone to illnesses than others, which usually means more costs when it comes to their vet visits. 

  2. The age of your pet: It may be a good choice to consider getting your puppy insurance while they are still young. Because as pets grow older, their risk for illness and injury could increase, therefore, insurance premiums may also increase. 

  3. Location: The cost of veterinary care for your puppy can vary according to where you live. If you live in certain urban areas, you may have to pay more for pet insurance for your puppy due to the potentially higher average cost of veterinary care. 

  4. Coverage type: One of the biggest factors that can impact your pet insurance cost is the kind of coverage that you opt for. A plan with accident-only coverage will likely differ in cost from a policy that covers both accidents and illnesses. Common types of pet insurance coverage can include accident and illness coverage, accident-only coverage, and optional routine wellness plans. 

  5. Deductibles: Typically, deductibles range from $0 to $1000. The higher your deductible, the lower your monthly premium. Lower deductibles can be beneficial because the amount you need to satisfy before the insurance kicks in is lower.

  6. Discounts*: Some pet insurance providers offer a multi-pet discount for each additional pet, or an employee discount if pet insurance is offered through your employer.

*Discounts may vary and are not available in all provinces.

What Do Pet Insurance Plans Cover?

Generally speaking, pet insurance policies may include coverage for: 

  • Injuries and accidents (bite wounds, swallowing harmful objects, broken bones)

  • Emergency pet care

  • Prescription medication

  • Cancer treatments

  • Surgeries and hospital visits

  • Specialty care

  • Diagnostic tests such as X-rays, lab work, MRIs

Make sure to carefully read and review the coverage offered by a pet insurance provider before enrolling your beloved puppy. This way you know exactly what is covered in your plan. 

What Do Pet Insurance Policies Not Cover?

There are a few circumstances where pet insurance coverage will not apply. These circumstances typically include but aren’t limited to: 

Is Pet Insurance Worth It?

Yes! If your pet becomes unexpectedly injured or ill, pet insurance can help you focus on their care and worry less about the cost of their treatment. With Spot plans, you can get cash back on eligible veterinary bills, helping you to choose the best treatment for your puppy. Ready to enroll your puppy in a pet insurance plan? Get a free quote!


*Discounts may not be available in all states, and discount amount may vary by state. More information is available at checkout.

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