Pet Insurance 101: What’s Changed & Is It Worth It in 2025

More pet owners are turning to insurance to help cover rising veterinary costs.

For many people, pets are more than just animals—they’re beloved members of the family. From annual checkups to unexpected emergencies, keeping your pet healthy can be expensive. That’s why more pet owners are turning to insurance to help manage those costs and protect their furry companions.

Pet insurance policies are more flexible than ever and come with a range of options to meet your goals and budget. If you’re thinking about getting pet insurance—or haven’t reviewed your current plan recently—this guide can help.

Understanding the Benefits of Pet Insurance

Pet insurance helps cover the cost of veterinary care. While plans vary by provider, most cover:

• Accidents and emergency care
• Illnesses and surgeries
• Medications, tests, and hospital stays

Some policies also offer optional coverage for:

• Wellness exams
• Vaccinations
• Dental cleanings
• Behavioral therapy

Like other types of insurance, pet insurance usually involves a monthly premium, a deductible, and a reimbursement model. Because coverage can differ widely, it’s important to review your plan carefully or work with an insurance agent who can walk you through your options.

Is Pet Insurance Worth It?

Pet insurance isn’t right for everyone, but it can offer peace of mind—especially when unexpected vet bills arise. Here are some questions to consider when deciding whether to invest in coverage:

• Could you comfortably pay for a 2,000-dollar emergency surgery out-of-pocket?
• Does your pet have health risks or breed-specific conditions?
• Would pet insurance help you manage regular care costs more effectively?

For many families, the cost of a monthly premium is worth the potential savings—and the ability to make medical decisions without worrying about the bill.

What’s New in Pet Insurance This Year?

The pet insurance industry continues to grow, and providers are offering more customized options than ever. In 2025, here are a few trends to look for:

• Telehealth for pets with 24/7 virtual access to licensed veterinarians
• Customizable plans with flexible deductibles, reimbursement rates, and coverage limits
• Multi-pet discounts under one policy
• Expanded coverage for alternative therapies and wellness care

As the market evolves, it’s a good time to review your policy and see what’s available.

When Should You Review or Purchase a Policy?

If you already have pet insurance, review your policy every few years—or sooner if something changes. Consider updating or purchasing a new plan if:

• You adopted a new pet
• Your pet’s health needs have changed
• Your financial situation has shifted
• You want broader or more flexible coverage

Need Help Choosing the Right Plan?

Working with an independent insurance agent can help you compare plans and choose the right coverage for your pet. Your agent can explain the differences between providers and help you find a policy that fits your needs and your budget.

Have questions? Contact your local insurance agent to get started. With expert help, you can make a confident choice and give your pet the protection they deserve.