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Pet Health Insurance

pet health insurance blogMost people want health insurance to make sure their families are covered if illness or injury should occur. More pets than ever before are enjoying these benefits as well.

For pet health insurance, many of the same caveats as human insurance apply. A young healthy pet will have lower premiums. Companies look at illness trends in certain breeds, average age of pets when certain illnesses strike, and what types of claims are most often filed. By doing so, pet health insurance companies “predict” what the likelihood is for your pet developing certain conditions. Some companies will not cover pre-existing conditions and others draw the line at certain illnesses. Just as with human policies, there will be limits to the coverage. Different policies will have different deductibles as well.

Most veterinary practices will accept pet health insurance, but be prepared to do most of the paperwork yourself. Unlike the human medical field where insurance generates an entire industry, the majority of pets dealt with in veterinary medicine are not insured.

As always, preventive care can keep veterinary costs down. Using flea and tick control (many of which also cover internal parasites), vaccinating appropriately, healthy feeding, regular grooming along with annual or semi-annual physical examinations all contribute to your pet’s overall health.

In 2010, Veterinary Pet Insurance (VPI) paid out almost $43 million to cover the top ten most common medical problems in pets. While some of these conditions are preventable, others like arthritis are simply a result of age and wear and tear.

Chart courtesy of VPI




  1. Ear Infection
  1. Lower Urinary Tract Disease
  1. Bowel obstruction
  1. Skin Allergy
  1. Gastritis/Vomiting
  1. Gastritis/Vomiting
  1. Skin Infection/Hot Spots
  1. Chronic Renal Failure
  1. Bladder Infection
  1. Gastritis/Vomiting
  1. Hyperthyroidism
  1. Upper Respiratory Infection
  1. Enteritis/Diarrhea
  1. Diabetes
  1. Eye Infection
  1. Arthritis
  1. Enteritis/Diarrhea
  1. Cancerous Tumor Requiring Surgery
  1. Bladder Infection
  1. Skin Allergy
  1. Arthritis
  1. Soft Tissue Trauma
  1. Periodontitis/Dental Disease
  1. Skin Inflammation
  1. Non-cancerous Tumor
  1. Ear Infection
  1. Skin Abscess or Pressure Ulcer
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{ 3 comments… add one }
  • Sherry Lowery January 17, 2012, 2:31 pm

    At what age does the insurance not cover cats and what breeds.

    • VetDepot January 17, 2012, 2:40 pm

      It will really depend on the terms of the policy provided by the different insurance companies. You might check with Trupanion or at petinsurance.com

    • Cindy Fashingbauer January 17, 2012, 8:48 pm

      I personally have pet insurance with VPI for my dog. And as long as you continue to pay the premiums I don’t think they will stop paying for the pet. The younger the pet is when you get the insurance the cheaper the premiums are. I do know that with VPI something like hip dysplasia was considered a pre-existing condition even though it had not been diagnosed until years after we started the insurance.

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