10 Reasons Why Pet Insurance is Worth It For Small Dogs

If you’re thinking about getting pet insurance, chances are you already know that it can be an expensive way to take care of your dog, cat, hamster, or other small pet. Although the initial cost of pet insurance can be high, there are plenty of reasons why it might still be worth it, even if you have a small dog and don’t have a lot of money to spare every month. If you decide that pet insurance will work for you and your budget, keep reading to learn more about 10 ways why pet insurance is worth it for small dogs.

1) Reduced out-of-pocket expenses

If your dog ever needs emergency treatment, pet insurance will help cover costs not covered by your regular health insurance plan. Compare how much you’d spend to get your small dog fixed—and think about whether it’s a better investment to spend that on pet insurance every year.

2) Emergency assistance

What happens if your dog needs to be rushed to a clinic? What about emergency situations that require long-term care or surgery? What if your dog has cancer or heart disease? A pet insurance policy gives you peace of mind in case of emergency. And if he’s not sick, he’ll likely save you a lot of money on routine vet visits.

3) Peace of mind

Pets are members of our family, so it’s natural to want to do everything we can to keep them healthy. And like our human family members, pets aren’t invincible and get sick now and then. Most pet owners don’t have thousands of dollars sitting around for veterinary care—which is why pet insurance was invented.

4) Preventative care

If you’re paying out of pocket for your dog’s vet bills, then it makes sense to consider pet insurance as a potential investment. If you have a long-term relationship with a vet and have been receiving checkups every six months or so, then your dog may be at less risk of serious illness and injury. As these ailments can be quite costly to treat, particularly if they strike unexpectedly, there are valid reasons why pet insurance could be worth it in your case.

5) 24/7 support

What makes pet insurance worth it for small dogs is often exactly what sets it apart from human health insurance. Unlike most health plans for humans, pet insurance companies are required to respond to your inquiries and provide you with customer service 24 hours a day, 7 days a week. If you have a question about your bill or want to change a portion of your coverage, customer service reps are ready and waiting by phone or e-mail.

6) Lifetime coverage

Unlike most policies which only cover a fixed amount of time, many pet insurance companies offer lifetime coverage so that you never have to worry about paying for a claim again. With smaller dogs often costing less to insure than larger breeds, it’s worth taking a look at whether or not it would be worth continuing your pet’s insurance beyond its first year.

7) No age limits

You don’t have to worry about hitting an age limit with small dogs, and they have shorter life spans. They aren’t expected to live as long as larger breeds, so insurance costs are cheaper too. If your dog were to suffer from illness or injury, you could get a payout on the vet bills in one lump sum payment instead of paying out a certain amount every month for years.

8) No deductible

Most pet insurance companies require a monthly fee, or premium, to pay for a policy. Some of these premium payments include deductibles — meaning that you won’t be reimbursed for your pet’s vet bills until you have paid your deductible, which can range from $100-$500.

9) Discounts on wellness care

Since small breeds tend to get sick more often than larger dogs, pet insurance for a Chihuahua or dachshund may be worth it if your animal receives regular wellness checkups and care at a veterinary clinic. However, if you buy pet insurance for an expensive breed, like a Great Dane or German Shepherd, you may end up spending far more on premiums than your plan pays out.

10) Convenient payment options

Many pet insurance plans now provide premium payment options. These plans allow you to set up auto-payments so that you don’t have to manually pay each month. This feature can help reduce late payments and improve account management because your premiums will always be paid on time. Even if your pet insurance plan doesn’t offer automatic payments, most major credit cards offer a Pay-over-time feature, where you can make monthly payments towards a larger purchase, including insurance premiums.


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