Common Misconceptions about Pet Insurance

Common Misconceptions about Pet Insurance

A recent uptick has occurred in people considering getting pet insurance to cover unexpected medical costs for their beloved animals. However, several common misconceptions about pet insurance may deter people from investing in this valuable coverage. In this blog, we will debunk some of these myths and shed light on the true benefits of pet insurance.

Pet Insurance is Expensive

One of the most prevalent misconceptions about pet insurance is that it is prohibitively expensive. While it’s true that pet insurance comes with a monthly premium, the cost is typically much lower than people expect. The monthly premium can vary depending on your pet’s breed, age, location, and the coverage options you choose.

Having pet insurance can protect you financially in the event of unexpected medical expenses. A single emergency vet visit or a serious illness can cost thousands of dollars, and having pet insurance can help mitigate these unexpected financial burdens.

Pet Insurance Only Covers Basic Care

Another prevalent misunderstanding is that pet insurance merely pays for annual exams and vaccines. While basic plans primarily covering preventive care are available, most pet insurance providers offer a range of plans with varying levels of coverage.

Comprehensive pet insurance plans can cover many expenses, including accidents, illnesses, surgeries, medications, diagnostic tests, and alternative therapies like acupuncture or physical therapy. By choosing a plan that suits your pet’s specific needs, you can ensure they are adequately protected.

Pet Insurance Never Covers Pre-existing Conditions

Many people believe that pet insurance won’t cover pre-existing conditions, which can deter them from seeking pet coverage. While it is true that pre-existing conditions are typically excluded from coverage, there are some nuances to consider.

Pet insurance providers have varying definitions of pre-existing conditions, with some potentially becoming eligible for coverage after a specific remission period (usually 180 days to a year). To ensure future conditions are covered, start coverage while your pet is young and healthy, as long as they are not pre-existing at enrollment.

Pet Insurance is Not Worth It for Healthy Pets

Some pet owners believe that if their pets are healthy and active, there’s no need for pet insurance. However, the unpredictable nature of accidents and illnesses means that even a healthy pet can require expensive medical treatment unexpectedly.

When you get pet insurance, you won’t have to worry about how you’ll pay for your pet’s emergency care if something unexpected happens.

Filing Pet Insurance Claims is a Hassle

Another misconception is that filing claims with pet insurance providers is cumbersome and time-consuming. In reality, many pet insurance companies have streamlined the claims process, making it quick and easy. It is possible to submit most claims online, and once they are approved, you should receive your reimbursement in a fair amount of time.


Having pet insurance can provide financial stability and emotional support to pet owners. Don’t let misconceptions deter you from providing the best care for your furry family. Take the time to explore different providers and policies, and choose the one that fits your pet’s needs and your budget. At Pelican Insurance Agency, we’re here to assist you in finding the right pet insurance plan that ensures your pet’s health and well-being are always a top priority. Take the first step in safeguarding your beloved pet’s future – contact us today and give them the care they deserve.