Do I Need Pet Insurance?

One of the most common questions new pet owners ask is, “Do I need pet insurance?” The answer is not a simple ‘yes’ or ‘no.’ In deciding whether or not you need pet insurance, consider the following factors.

Do I need pet insurance?

Cost of pet insurance

Pet insurance can offset some of the expense of diagnosing and treating illnesses your pet may face down the road. But it comes at a cost. In general, the cost of veterinary care has risen in recent years due to advancements in technology. So, although it can be expensive, having insurance can help save your pet’s life. Your are the person responsible for any vet bills your pet’s care might incur. So, think carefully about what an unexpected trip to the vet might mean to your finances.


Before settling on a pet insurance provider, make sure you understand what their insurance covers and what it doesn’t. Most providers cover hereditary conditions, such as elbow and hip dysplasia, diabetes, and thyroid conditions. Some will also cover unidentified issues that don’t necessarily have a diagnosis. While each provider is different, most do not cover pre-existing conditions. You usually have to enroll before your pet is of senior age, as well.

Breed restrictions

Unfortunately, not all pet insurance companies provide insurance for every dog breed. Some insurance companies do not extend coverage to Pit Bull Terriers, Staffordshire Terriers, German Shepherds, Akitas, Doberman Pinschers, or Rottweilers, to name a few. If you have one of these dog breeds, don’t worry. There are some more inclusive options out there! But you may find that securing insurance for those breeds is a bit more expensive than it is for others.

So, do I need pet insurance?

At the end of the day, whether or not to get pet insurance is highly is highly specific to you and your situation. If you’re in the market for affordable pet insurance that offers comprehensive coverage, check out our partners at Trupanion. Every Get Your Pet adoption package includes a certificate for 30 days’ pet insurance from Trupanion (offer varies in California).

If you’d like to adopt a pet, visit to start browsing cats and dogs for adoption near you.