Is pet insurance worth it?

PawBoost Blog

It’s undeniable that we love our fur babies as if they’re our own children. So why do many pet parents not have their pets covered if an unplanned illness or accident happens?

In this blog post, we will go over what pet insurance is and what Healthy Paws, Embrace and Pets Best – three of the largest pet insurance providers in the US – can offer your furry loved ones.

Note: This is our unbiased comparison of the offerings of these three pet insurance providers. Just so you know, PawBoost may collect a share of sales from the links on this page.

Photo Credit: allymime via Pixabay

What is pet insurance?

According to Frances Wilkerson, DVM, pet insurance is comparable to human health insurance in the way that it assists covering the cost of veterinary care.

Similar to human insurance, there are deductibles, co-pays, maximum payouts, premiums, waiting periods, and pre-existing conditions are not covered. Without pet insurance, you will be paying out of pocket for all medical (veterinary) bills – just like with human health insurance.

Pet insurance differs from human health insurance as it does not use networks. You can visit any licensed veterinarian in the U.S. and some plans will permit you to see licensed veterinarians overseas if you’re traveling.

Photo Credit: skeeze via Pixabay

Why should I get pet insurance?

Without pet insurance, you will pay out of pocket for all veterinary bills.

Example from Embrace: After being hit by a car, your dog is faced with some serious injuries. Your dog will need surgery and extensive rehab.

Claim refund:

  • Actual Vet Bill: $8,527.64
  • Annual Deductible: -$500
  • 20% Co-pay: -$802.79
  • Total Reimbursement: $7,224.85

Example from Healthy Paws: Your dog has had diarrhea for several days and isn’t getting any better so you take them in for a check-up. The check-up includes lab work and getting prescriptions.

Claim refund:

  • Total Veterinary Bill: $269.74
  • Reimbursement Level (90%): $190.98
  • Remaining Annual Deductible: $100.00
  • Total Reimbursement: $90.98

Photo Credit: Couleur via Pixabay

When should I get pet insurance?

Dr. Doug Kenney says, “the best time to buy pet insurance is when your pet is young – preferably a puppy or kitten and before they get sick.” Many pet parents don’t feel the need to buy their pet insurance because they are young and healthy. Unfortunately, accidents do happen and illnesses can appear irregularly that can be expensive.

One of the most significant reasons to buy pet insurance while your fur baby is young is to prevent having claims refused because of pre-existing circumstances.

Pet Insurance Comparison

See our comparison of what these pet insurance companies cover and do not cover below.

The above chart highlights features we think any pet owner would look for in a coverage plan for their fur baby.

Pets Best covers the most of these categories (13) of the three, followed by Embrace (11), and finally Healthy Paws (8).

Pets Best and Embrace also offer another benefit for an additional cost, a preventative care plan. These plans include routine care such as wellness exams, vaccinations, teeth cleaning and much more.

Which pet insurance you should get depends on what is right for you and your furry loved ones.

To see a full list of coverage please visit each pet insurance’s website:

Healthy Paws


Pets Best

It’s never too early (or too late) to get pet insurance for your fur baby!



We have had pet insurance on our last 3 fur babies.   If you follow this site you know that Bella is my service dog.   We got her when she was 5 months old.    During Bella’s first year she swallowed a large piece of mulch.  She had to have emergency surgery to remove the blockage. Our pet  insurance paid 70%of a very large bill.   Then we come to the second year of her life when she decided that a Beanie Baby;s arm would make a great snack.   BACK TO THE OPERATING ROOM AGAIN.  And once again our pet insurance saved the day!   I strongly suggest that pet parents should consider getting health insurance on their pet.

And Don’t forget to check out the banner/links to the various on line stores to the right of this page  (lap top) or beneath the article (smart phone).  There are traditional pet stores as well as well as  specialty stores for gifts that would make any pet parent ecstatic!  There is also a link to Amazon and Walmart where you can purchase anything that they sell.   We are delighted to announce new affiliate agreement with Embark Vet (DNA testing for pups)  Just click on the links and shop for pet products as well as fabulous gifts for the pet fanatics in your families.!  * *Please note that Lovinmypup will receive a small percentage  from each purchase.through the links on this site.    This percentage helps us keep the site up and running.  We thank you in advance for your assistance in keeping this site operational.

                                                                               Purchases through these links  help me keep this site up and running.

                                                                            Make sure you share your love with your pet each and every day!]

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