Pros & Cons of Pet Insurance & Other Options

We do our best to take good care of our puppies and kitties. 

We give them cuddles, play with them, hire Metro Mutts to take them on special walks or give them love while we’re stuck at work, and feed them plenty of tasty treats as often as we can.

That’s why it’s tough when our fur babies aren’t feeling their best. I mean, have you ever met a pet who was eager to visit the vet? We haven’t!

Taking our pets to the vet at least once a year is prudent for regular check-ups, vaccines, and/or boosters. However, those costs can add up between annual visits, occasional mishaps, and unforeseen health complications.

Pet insurance is available to help with those costs, both the expected and unexpected kinds. While it’s generally a good thing to have, it’s not right for everyone.

Today, we’re breaking down the pros and cons of pet insurance, so you can make the best decision when deciding how to get the best care for your pet. Read on for more!

Pros of Pet Insurance

There are plenty of pros associated with having pet insurance.

Peace of Mind

Taking your pet to the vet regularly can be very costly. With forethought and careful planning, you can budget for this, but that doesn’t necessarily help when something unexpected happens and you must rush to the vet.

Pet insurance provides comfort and peace of mind that you’ll receive excellent care and no added expense, even if you weren’t expecting to go to the vet.

Cost Savings

Pet insurance lets you enjoy the perks of great veterinary care with the combined benefit of cost savings. Regular visits are typically covered, plus it often covers or reduces the cost of things like surgeries, medications, and hospital stays.

Who doesn’t like saving money?

Access to Care

Your pet insurance also helps you access care you otherwise would not consider or be able to afford. Beyond your standard veterinary care, some pet insurance plans will cover alternative therapies, holistic vets, acupuncture, chiropractic care, and other specialists.

Only the best for your precious pup or kitty cat!

Pet Insurance & Other Options

Cons of Pet Insurance

There are, however, some potential drawbacks associated with pet insurance.


Insurance exists so you don’t break the bank affording excellent care. However, great insurance, especially pet insurance, could be costly in and of itself, making it, in some situations, financially smarter to go without and pay for only the care you need as you need it.

The cost of your premium likely will vary depending on the type of policy you choose, the age and health of your pet, and the level of coverage you need, so expect your rate to vary based on these criteria.


You’ll also want to keep an eye on the deductible, which is the amount you must pay out-of-pocket before insurance kicks in. If the deductible is too high, combined with your premium, you may be only saving a minimal amount of money when all is said and done.

We’re pet parents here, not accountants!

Either way, you’ll need to crunch the numbers to truly determine if the insurance is worth the overall cost.

Waiting Periods

Pet insurance plans also may include a waiting period before your coverage begins. This can be problematic if your pet becomes sick, injured, or diagnosed with a condition shortly after you purchase the policy.

To get the best value from your pet insurance and ensure you have the coverage you need when you need it, it’s prudent to get it as early as possible in your pet’s life.


Last, and certainly not least, many pet insurance plans have exclusions, or things the plan doesn’t cover. This includes pre-existing conditions, certain types of surgeries, and alternative therapies, to name a few.

You’ll have to review what your potential plan does and does not cover to ensure you’re purchasing something you’ll get good use of based on your needs.

Pros & Cons of Pet Insurance & Other Options Dogs and Cats

Final Thoughts

We have to weigh the pros and cons of everything every day to ensure we’re giving our pets their best, happiest, and healthiest lives. However, not all decisions are as easy and straightforward as deciding to hire Metro Mutts for the best dog walking or pet sitting services in the DC area.

To decide if pet insurance is the right investment for your pets, consider the pros and cons discussed above, crunch the numbers, and see what makes sense.

We want to do what’s best for our pets, but it never hurts to do what’s best for our wallets too! When it comes to pet insurance, sometimes the right decision can be good for both!



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