Pet Insurance 101: Is it right for your family?

If you’ve ever faced an unexpected vet bill, you know how stressful it can be. Whether it’s an emergency surgery or ongoing treatment for allergies or arthritis, medical care for pets can add up quickly. That’s where pet insurance comes in—and there’s no better time to talk about it than National Pet Insurance Month this September.

At Bowman Animal Hospital & Cat Clinic, we believe financial concerns should never stand in the way of your pet getting the care they need. Pet insurance helps make that possible.

What Is Pet Insurance?

Pet insurance works a lot like health insurance for people. You pay a monthly premium, and when your pet needs care, you’re reimbursed for a portion of the cost—sometimes up to 90%, depending on your plan.

It typically covers:

• Accidents and emergencies
• Chronic illnesses (like diabetes or kidney disease)
• Diagnostic tests and imaging
• Medications and surgeries
• Some wellness or preventive care (if added on)

Most plans don’t cover pre-existing conditions, which is why enrolling early is so important—ideally while your pet is still young and healthy.

Why It’s Worth It

Unexpected veterinary expenses are one of the top reasons pet owners struggle to get their pets the care they need.
Pet insurance helps you:

• Say “yes” to treatments without hesitation
• Manage costs for chronic or long-term conditions
• Budget for care more easily
• Prioritize your pet’s health over your wallet

We’ve seen firsthand how helpful pet insurance can be—especially in emergencies. It can mean the difference between delaying care and getting treatment started right away.

Choosing the Right Plan

With so many pet insurance options available, finding the right fit for your pet and your budget can feel overwhelming—but it doesn’t have to be. Start by considering what kind of coverage is most important to you. Some plans focus on accidents and emergencies, while others include coverage for chronic illnesses, prescription medications, or even routine wellness care.

When comparing plans, be sure to look at:

• What’s covered (and what’s not)
• How reimbursements work
• Annual deductibles and monthly premiums
• Whether pre-existing conditions are excluded

We encourage you to do a little research and choose a provider that makes sense for your family’s needs. If you’d like, we can help you understand typical veterinary costs and talk through what types of coverage may be helpful for your pet’s lifestyle.

Start the Conversation Today

We’re always happy to help you understand your options when it comes to pet insurance. If you’re not sure where to begin or want to talk through what might be best for your pet, just ask! We can offer guidance and resources to help you make an informed decision.
This September, let’s make sure your furry family members are protected—no matter what life throws their way.

Need help getting started with pet insurance? Give us a call or ask about it during your next visit. We’re here to support every part of your pet’s health journey—from nose to tail.