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Pet Insurance Is Like Car Insurance



At PetFirst, we know you love your pets and they are part of your family. But, insurance for dogs and cats is more like your car insurance than your medical insurance.

Similarities of Pet Insurance and Car Insurance:

  • Premium Cost Calculation
    • When you buy car insurance, you must provide the make, model and year of your car, as well as where you live. This allows the insurance company to access the risk of expenses should you get into an accident. Same is true with pet insurance. You provide the species, breed and age of your pet, as well as where you live. The premium you pay correlates to your pet’s risk of expenses. With car insurance, a brand new Lamborghini is going to be more expensive to insure than a 1982 Buick. With pet insurance, coverage for an 8 year old Boxer is going to be more expensive than a 1 year old mixed breed dog.  
  • Out of Pocket Expenses
    • Your car insurance helps you pay for damage to your car. However, there is still general maintenance you pay for out of pocket. Your car insurance doesn’t pay for gasoline in your car, new windshield wipers, oil changes, or new tires – you know these are expected expenses when you own a car. Pet insurance is very similar. It helps reimburse veterinary costs for accidents and illnesses like ear infections, broken bones and cancer. However, expected expenses like grooming, vaccinations, flea & tick preventative are all expected costs of pet ownership, and generally pet insurance doesn’t cover routine wellness expenses.
  • Pre-Existing Conditions
    • Say you don’t have car insurance, but accidently get into a fender-bender one morning. If you purchase car insurance following your accident, they will not cover damage from the previous fender bender. Pet insurance is the same. It will not cover any pre-existing conditions your pet has. For example, if your pet is limping, so you go online to purchase pet insurance, the injury would be pre-existing and not eligible for coverage.

Be sure to purchase insurance as early as possible in your pet’s life.  Think about it this way... when you buy a car, you purchase car insurance. When you add a furry friend to your family, be sure you buy pet insurance to provide a financial safety net should you need it.

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