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Questions for Dr. Shawn - Pet Insurance

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"Dear Dr. Shawn:
"I’m considering getting health insurance for my dog and cat. What are your thoughts?"

Answer:
”I’m a big fan of pet insurance for one reason: I’ve seen too many pets who did not receive proper care or were euthanized simply because of finances. We can do so much for pets, but this excellent care does come at a cost. According to a recent survey in DVM Newsmagazine, pet owners stated they would consider stopping treatment or even euthanasia if the cost of care was over $1500. Yet, spending a weekend at the local emergency clinic can easily cost this much; further care adds to the cost. It is estimated that 60% of dogs and cats will develop some sort of cancer in their lives, with the cost of care for these pets ranging from $3000 to over $10,000. Since most owners would not be able to afford this care, even though they would gladly choose this care for their pets, insurance is an inexpensive “must-have” for most pet owners.

Here are some other facts to consider:

  • Young dogs and cats have the highest risk of accidents and certain illnesses because they
    are so inquisitive by nature, and their immune system is still developing. Puppies and kittens get into almost everything, and often swallow objects while playing. Also, with their undeveloped immune systems, they are more prone to disease from viruses and bacteria.
  • As our pets age, they experience much of the same problems we face (pets age faster!),
    such as arthritis, cancer, heart disease, and kidney failure, to name a few.
  • Pets remain childlike forever; they are curious about everything around them, and are susceptible to injury from running, jumping and playing. Pets use their mouths like children
    use their hands, so swallowing objects or getting injured is common.

 

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