Pet Insurance Resources

The American Animal Hospital Association (AAHA) has partnered with an online pet health insurance marketplace, Pawlicy, now a Preferred Business Provider. Veterinarians can provide this page to their clients and deliver personalized client experiences that increase treatment acceptance, boost your revenue, and save clients money - for free.

Pet owners can use Pawlicy Advisor to see pet insurance quotes from top providers, custom comparison charts, and ranked based on breed-specific health risks and lifetime pricing - all in one place. Pet insurance helps protect you from unexpected vet bills and gives you peace of mind.

Pet Insurance Helps Pet Owners Say "Yes" to Treatment Plans

When pet owners have pet insurance they are 10x more likely to say “yes” to treatment plans. If you want the best treatment, discover your insurance options by filling in one simple form to get multiple quotes.

Veterarians: sign up or learn more. 

      

What Is Pet Insurance, How Does It Work & What Is Covered? A Pet Parent’s Guide

by Woody Mawhinney, Licensed Insurance Agent

Peace of mind for pet owners, pet insurance protects against unexpected veterinary costs. As healthcare costs rise across the board, pet healthcare is no exception and, according to several pet insurance companies, the average amount that most people can afford for veterinary treatment at any given moment is only $1,500. Veterinarians tell our team at Pawlicy Advisor that they have difficult conversations with pet owners about the cost of care anywhere from five to ten times per day.

When's the Best Time to Buy?

1 out of 3 pets will need emergency medical treatment in their lifetime, which is why many veterinarians recommend enrolling in coverage sooner rather than later. In fact, most people buy pet insurance within 6 months after adopting. No pet insurance company will cover a pre-existing condition, so it's important to enroll before any issues arise.

Helpful Hint:

View the pet insurance dictionary to learn key terms.

How Much Does Pet Insurance Cost?

Pet insurance is generally affordable. The average monthly premium is $29 for a cat and $47 for a dog, but it’s important to recognize that there's a wide range in pricing (many see rates as low as $12/mo, others might see rates as high as $100/mo) depending on a few key factors.

Key Factors That Determine Rates

  • Size (height, weight)
  • Breed
  • Age (compared to its typical life expectancy)
  • Location
  • Common indoor and outdoor risks in area
  • Term and length of insurance policy
  • Reimbursment Rate
  • Deductible
  • Payout Limit
  • Plan type
  • Policy provider

You can save on pet insurance by enrolling when your pets are still young, as your monthly premiums are guaranteed to be lower. Some pet insurance providers will also give you a discount on your bill if you agree to make annual payments instead of monthly payments. Others offer discounts if you insure multiple pets under the same provider.

Another way to keep your premiums low is to select a higher deductible, but keep in mind that you’ll have to reach that deductible by paying out-of-pocket before your insurance plan begins to reimburse your veterinary costs.

Similarly, you can keep costs down if select a lower reimbursement rate or a lower coverage limit, but this will limit the amount you receive from your insurer if your pet gets seriously ill or injured.

Pet owners: get a quote from Pawlicy today.  

   

Why Use Pawlicy?

It's difficult to truly understand the differences between plans, let alone the fine print that is used to determine what is covered. Costs can vary drastically based on breed, premium increases, and the hundreds of policy variations available to you.

There's 14+ pet insurance providers, each of which has 1 to 4 plans, and each plan can have a ridiculous amount of policy variations based on breed, location, age, deductible, reimbursement rate, addons... the list goes on.

Pawlicy Advisor is an intelligent pet insurance comparison tool built to use your unique answers to analyze your pet's breed-specific risks, policy coverage/exclusions, and expected lifetime costs . These data points are used to help pet parents find the right pet insurance plan at the right price - no matter the provider.