Does Pet Insurance Really Save You Money?


Family at the airport terminal
The Editors
Older white haired woman sitting on a patio and holding a small dog while smiling

    Editor's Note: Sponsored by Physicians Mutual Insurance Company. 

    The bond we share with our pets adds so much joy to our lives.

    They count on us for food, shelter, affection — and to help them stay healthy.

    Now think about what you’d do if an unexpected accident or illness lands them at the vet … and the bill is more than you can afford.

    That’s why pet insurance can be a literal lifesaver — after all, when your pet needs medical care, you don’t want your budget to be the deciding factor in choosing treatment. Fortunately, having a pet insurance policy with Physicians Mutual can save you serious money.

    Related: Flying with a Dog? Here's What You Need to Know

  • How does pet insurance save money?

  • Golden retriever dog with a pink cast on his front paw sitting on a veterinary table
    GettyImages

    Quality vet care is expensive. And over the lifetime of your pet, you could spend thousands of dollars on regular checkups, tests, medication … and thousands more for emergency treatment of a serious illness or injury.

    Now, you can make sure your pet gets the care they need without worrying how to pay for it.

    Let’s say your 4-year-old dog “Max” breaks his leg and needs surgery. The vet bill is $3,500, but with the Physicians Mutual Preferred plan, you’ll collect $2,925 — leaving you with only $575 to pay — and saving you thousands.

    Related:8 Automatic Cat Feeders to Make Your Life Easier

  • What does pet insurance cover?

  • Here are some highlights that make Physicians Mutual pet insurance a smart choice:

    • You can get coverage for any breed of dog or cat, at any age
    • Go to any vet, anywhere — including specialists and emergency clinics
    • Up to 100% reimbursement of your vet bills — treatment for illnesses, surgery, lab tests, X-rays, hospitalizations and more
    • There’s no deductible or co-pay for emergency, lifesaving treatment
    • No lifetime maximum benefit
    • Benefits for wellness — like exams, dental treatments and vaccines
  • When is the best time to get pet insurance?

  • When you have a pet, you know … things happen.

    Eating something they shouldn’t …  a leg sprain from doing zoomies around the park … an unexplained itch or allergic reaction. In fact, 1 out of 3 pets will need emergency veterinary treatments each year.* That’s why it’s a good idea to check out your coverage options now — before you’re faced with an expensive vet bill.

  • How much does pet insurance cost?

  • Cost is based on some information about your pet and the options you select. You can choose from 3 pre-built plans or customize your coverage. Pay for only what you need, at a price that works for you.

    Related:Dog-Friendly Hotels That You and Your Dog Will Love

  • What should you do now?

  • Couple looking at laptop on the floor with their dog
    GettyImages

    Find out for yourself how affordable this coverage can be. It’s easy to get an instant, no-obligation quote from Physicians Mutual with all the details now.

    *Are You Prepared for a Pet Emergency? Most Americans Are Not,” CNBC.com, June 14, 2018


    Product not available in all states.

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