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10 Myths About Pet Insurance - You Should Know

Christopher James


There are a lot of myths about pet insurance, and it can be tough to figure out what's true and what's not. In this article, we will dispel some of the most common myths about pet insurance.

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Pet Insurance is Too Expensive
This is probably the biggest myth about pet insurance. People often think that pet insurance is too expensive, but in reality, it can be quite affordable. In fact, there are a lot of policies out there that are very reasonably priced. See our top 10 pet insurance companies to see which fits in your budget and meets your needs.

Pet Insurance Doesn't Cover Enough
Another common myth about pet insurance is that it doesn't cover enough. This isn't always the case, though. There are a lot of policies out there that cover the majority of pet-related expenses. The pet insurance you choose will determine how many procedures it covers, but in general pet insurance does cover most things.

Pet Insurance Isn't Any Good for Dogs
Some people think that pet insurance doesn't provide much value to dogs. This is only partly true though. Pet insurance does tend to be less valuable with dogs than it is with cats because there aren't as many life-threatening conditions that affect them (not to mention they don't need their vaccinations updated nearly as often). But it can still be useful for dogs - particularly if they are sick or hurt and you want to go ahead with treatment without worrying about money!

Pet Insurance Won't Pay for Everything
Pet insurance won't pay for everything, but it will usually pay a significant portion of pet-related expenses. If your pet needs surgery or has another expensive issue, pet insurance can be a huge help.

Pet Insurance is Too Much Hassle
Some people think pet insurance is too much of a hassle to deal with. But the truth is that pet insurance really isn't any more complicated to deal with than other types of insurance (like car insurance). In fact, many pet insurances companies have easy-to-use websites and apps that allow you to manage your pet's policy online. It really isn't that hard!

Pet Insurance Isn't Worth It
Some pet owners think pet insurance isn't worth the expense. Keep in mind that pet insurance can save you a lot of money if your pet needs surgery or has another expensive issue. It really is worth the expense.

Pet Insurance Won't Cover Pre Existing Conditions
This is false - most pet insurances will cover any pre-existing conditions, so this isn't something to worry about! Just be willing to pay more for treatments that are needed because of a pre-existing condition, and everything should work out fine.

Pet Insurance is Only for Old Pets
Pet insurance isn't only for old pets, although pet insurance policies do tend to be most valuable when they are purchased at younger ages. If you wait until your pet is older before getting pet insurance, you probably won't get as much value out of it (assuming your pet will live a long time).

Pet Insurance Companies Don't Pay Claims
Many people falsely believe that pet insurance companies don't pay claims or that they try to avoid paying claims. The truth is that pet insurances companies want to pay claims - they're in the business of helping pet owners, not trying to rip them off! That's why pet insurances often have very low deductibles and copayments - pet insurance companies know that pet owners will have a tough time affording pet bills.

Pet Insurance is a Scam
Unfortunately, in the past some pet insurance companies have been known to take advantage of pet owners. This has tarnished the reputation of pet insurances in general, but it's only a small minority of pet insurance companies that did this. A lot of pet insurances are honest and reliable. 


So there you go - these are 10 myths about pet health care explained! We hope this helped ease your mind on purchasing pet insurance.