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Why Pets Should Have Health Insurance, Too

Posted in Main Blog
January 21, 2016 by BCCU Share on: Share on Facebook Share on Twitter

dog with pink cast at the veterinarian



Protect your wallet from pet illness or accident. Investigate pet health insurance options by getting multiple insurance quotes. Image from


Do you have a sweet little baby at home? Perhaps a baby with four legs and an adorable, furry muzzle? Or feathery wings, or scaly tail?

The ASPCA estimates that between 70 and 80 million dogs and 74 to 96 million cats are owned by “Pet Parents” in the United States today. And for many Americans, their pets are as much a part of their family as their children. So when pets get sick, getting them immediate care is important. But there can be a high price for that care—especially in emergency situations.

The Facts About Vet Bills vs. Pet Insurance

Let’s face it, animals can eat weird things—some vets reported animal x-rays showing ingested pennies, rocks…even rubber duckies! Pets can also suffer from serious illnesses such as cancer or diabetes.

When illness hits and isn’t resolved within a few days, a trip to the vet is usually the next step. It’s an emotional time, as you don’t know what is causing troubling symptoms for your cat, dog or other pet. And the cost for diagnosis and treatment could take you by surprise.

x-ray of dogs belly



Pet insurance can give you peace of mind when Fido misunderstands the main rule of Hacky Sack—don’t eat the Hacky Sack! Image from


Here are some examples of pet vet costs*:

  • Intestinal foreign object: $1,967
  • Stomach foreign object: $1,502
  • Stomach torsion/bloat: $2,509
  • Broken leg (plate): $1,586

But there’s way to be prepared for the unexpected—pet health insurance. You can alleviate the financial pain of unexpected vet bills by paying an affordable monthly pet health insurance premium.

If only our pet’s health issues were limited to this. Video from


How Does Pet Health Insurance Work?

Most pet insurance plans have a few things in common.

  • A monthly premium
  • A deductible amount—either per incident or per year
  • Ability to use any licensed vet
  • Reimbursement of initial payment to vet via filing a claim
  • The choice of a reimbursement level or co-pay percentage

When you research different pet health insurance plans, it’s important to compare the different coverages offered, from regular wellness exam coverage to pet cancer treatment coverage.

* Cost list prepared by Veterinary Pet Insurance Company

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Pet Insurance or Self-Insurance
3/15/2016 11:14 AM Madeline A. from North Chelmsford, MA
Great article, and I totally agree with the idea of insurance. If it seems like more than someone is ready to spend, you can even consider "self-insuring" your pet, setting aside a small amount from your paycheck each week/month, to cover regular well-pet visits, AND a little something extra for emergencies, or random trips to the puppy spa! Thanks for the great outline of benefits.
Reply From Bellwether Community Credit Union:

Thanks for your input, Madeline!

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