We all want to give our pets the best care possible—but vet bills can be overwhelming. Whether it's a sudden illness, an injury from an accident, or just the price of yearly preventive care, the cost of seeing a veterinarian can add up quickly. At Evergreen Pet Clinic, we often hear pet parents ask, “Is pet insurance really worth it?” The short answer: it depends. April 7 is National Pet Health Insurance Day, and this guide will walk you through the pros, cons, and key considerations so you can make the right decision for your furry companion.

What is Pet Insurance and How Does It Work?

Pet insurance is a type of insurance that covers the cost of veterinary care in case of illness, injury, or sometimes even routine wellness visits—depending on your plan. Most policies work on a reimbursement basis: you pay the vet upfront, submit a claim, and receive a percentage back based on your plan's coverage.

The Benefits and Drawbacks of Pet Insurance

The benefits of having pet insurance for your cat or dog include: 

• Financial Relief in Emergencies: Going to an emergency vet can cost thousands. From foreign body removals to emergency surgeries, having insurance can mean the difference between financial stress and peace of mind.
• More Treatment Options: Insurance can give you the confidence to say “yes” to advanced diagnostics, surgeries, or ongoing care without worrying as much about the cost.
• Predictable Budgeting: Monthly premiums make it easier to plan for pet expenses rather than being surprised by a sudden large bill.
• Peace of Mind: Knowing you have a financial cushion allows you to focus on your pet’s recovery—not your wallet—when the unexpected happens.

There are also potential drawbacks to consider, such as:

• Pet Insurance Doesn’t Cover Everything: Most plans don’t cover pre-existing conditions, and many exclude routine care unless you purchase a wellness add-on. Read the fine print carefully.

• You Pay Upfront: Since most pet insurance companies reimburse you after the visit, you still need to be able to afford the initial vet bill.

• Premiums Can Vary: Age, breed, location, and even your pet’s medical history can all impact how much you pay and what’s covered.

• Not Every Pet Will Use It Often: Some pets stay remarkably healthy. If you only use insurance once or twice, you might feel like it didn’t pay off, though it could save you significantly if something major occurs.

How to Choose The Right Insurance for Your Pet

Pet insurance is especially worth considering under certain conditions.

• You have a young pet—policies are more affordable and cover more before issues arise.
• Your pet is prone to genetic conditions (like hip dysplasia or heart issues).
• You want to avoid tough decisions due to cost in an emergency.

If you’re considering pet insurance for your cat or dog, compare a few reputable providers and talk to your veterinarian during a pet wellness exam to see if they have any recommendations. Look into what’s covered (and excluded) in plans that a specific insurance is offering, the reimbursement rate and annual limit, deductible options, customer reviews, and steps for the claim process.

Discuss Preventive Care Options with Evergreen Pet Clinic

Pet insurance isn’t a one-size-fits-all solution, but for many pet owners, it offers valuable financial protection and peace of mind. Evergreen Pet Clinic knows that it is always worth considering if and how insurance can fit into your pet’s lifelong care plan. Still wondering if pet insurance is right for your pet? Schedule an appointment at our vet clinic in San Pablo, CA—we're here to answer your questions and guide you toward the best options for your pet’s health and your budget.