Can You Insure a Cat or a Dog? 

In the News

Vet fees have increased significantly in recent years, often to the point of exceeding the rate of inflation. What would you do if you had to pay several thousands of dollars to try to save your cat or your dog, especially if you know there is no guarantee that the treatment will be a success? You may be forced to make the heartbreaking choice between going into debt or letting your pet die. To avoid being faced with such a scenario, there is a solution: pet insurance. 

What’s covered? 

As a general rule, basic insurance policies for pet cats and dogs cover care that is required following an illness or an accident, such as 

  • consultations and diagnoses, 
  • surgical interventions, 
  • dental care, 
  • therapies, and 
  • hospitalization. 

Insurance usually offers reimbursement for most vet services. However, be sure to read your insurance policy carefully to understand what is covered and what is not. 

What’s not covered? 

The main treatments that are not covered are those treating illnesses and conditions that existed before the insurance policy came into effect. That’s why it’s very important to mention all of your pet’s pre-existing conditions to your insurer to avoid unpleasant surprises. Other goods and services may also be excluded, such as 

  • surgical interventions for aesthetic purposes, 
  • sterilization, 
  • treatment for pregnancy, 
  • food, including prescription food, and 
  • treatment for umbilical hernias. 

Things to consider 

A basic pet insurance premium can cost a little over $20 per month. Obviously, the more generous the insurance policy and the more it covers, the higher the premiums you will have to pay. The amount will depend on the insurer, the chosen coverage as well as a series of other factors, such as 

  • the age of the cat or dog,  
  • its breed, and 
  • your geographic location. 

Can pet insurance cover other animals? 

Unfortunately, we have not been able to find insurance that covers care for pets other than cats and dogs. Healthcare costs for your pet rabbit, snake, hamster, or other must be negotiated directly with your vet.