Our pets are our family, and we’ll do anything to make sure the furry loves of our lives are happy and healthy (even if it means spending more on their toys and treats than we do our human children, oops). But “anything” can and usually will mean planned and unexpected trips to the vet — which can be monumentally expensive. This is why it’s so crucial that you get pet insurance, and vets agree.
"As a veterinarian, I believe that there are countless benefits to pet insurance,” says Xander Simunek, DVM, a vet who practices in Greenwich, CT. “From a financial perspective, having a pet insured can sometimes be the difference between life and death. Veterinary care is expensive, but even more at the emergency or specialty hospital when you least expect it.”
"Pet insurance can also provide a great sense of peace, especially in those stressful moments. Whether you’re contemplating a surgical procedure or discussing the treatment options for a newly diagnosed chronic condition, the comfort in knowing there will be financial help is priceless,” Simunek adds.
One of the most popular pet insurance options is Lemonade, which offers a base plan (price depends on breed, age, and location), plus a variety of add-ons that can cover eligible vet visit fees, dental treatments, physical therapy, preventative care, and more.
As a real-life example, one of our writers checked to see what it would cost to opt in her three-year-old toy poodle in NYC to the base plan, plus every single add-on (this includes the highest-tier preventative care plan). Her total came to $120.83 a month, with an annual deductible of $250. From there, Lemonade pays 80 percent of eligible accident and illness claims up to $20,000 a year.
The bottom line? Having a plan in place for vet visits will give you peace of mind. If you’re curious about where to start, check out Lemonade’s site here.
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