As a veterinary professional, you’re committed to giving your patients the very best care — but unexpected illnesses and injuries can leave pet owners scrambling to cover the costs. Luckily, pet insurance can help.

Why pet insurance?

According to the North American Pet Health Insurance Association (NAPHIA), clients spent 29 percent more per year on veterinary care if their dog was covered by pet insurance, and 81 percent more on cats. When furry best friends get hurt or sick, pet insurance gives pet owners the freedom to pursue recommended courses of treatment without worrying about their wallet. More than a financial safety net, pet insurance offers the peace of mind that pet parents can provide the care their pets need.

How it works

Like human health insurance, it’s important for your patients to have a policy in place before they need it. Then if a beloved pet gets hurt or sick, their owners can get them the medical attention they need and their pet insurance policy can help cover the expense. This is how pet insurance helps increase pet owner compliance, ensuring that veterinary professionals are able to practice the gold standard of care. In fact, statistics show that insured pet parents will visit their veterinary clinic 40 percent more often than uninsured ones.*

Pet owners will need to pay their veterinary invoice, then submit their claim (detailed proof of the treatment their pet received) to their pet insurance provider. Their reimbursement level will depend on the details of their pet’s policy, and those benefits can vary significantly. That’s why it’s important for pet owners to fully understand their pet insurance coverage before they need to use it.

What pet owners need to know

Before selecting a pet insurance policy, your clients will need clear answers to these questions to make sure their coverage leads the pack:

  • What does my plan cover as standard, and what coverage will I have to buy separately?
  • Will my reimbursement include the cost of the veterinary exam to diagnose the illness or injury?
  • Are there age limits for coverage?
  • Are alternative and complementary therapies, such as veterinary acupuncture and chiropractic treatments, included in the coverage?
  • Are prescription medications fully covered (including veterinarian-recommended supplements)?

To share a comprehensive look at how pet insurance works with your team and clients, visit to download a free Pet Insurance 101 guide.

Fetch a special offer for AAHA-accredited practices, patients and staff with the AAHA Pet Health Insurance Program! Get up to a 10% discount on Petplan policies, and you’ll also receive a free $25 Visa prepaid card.** Visit, or reach Petplan’s 24/7 customer care center at 800-212-2692.

*According to the American Veterinary Medical Association's "A Veterinarian's Guide to Pet Health Insurance," from the 2009 National Commission on Veterinary Economic Issues.

**Terms and conditions apply; offer subject to approval.

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