Is Pet Insurance Worth It: Ten Things To Consider BEFORE You Purchase

Last Updated: August 2025

Last updated: August 2026

Is pet insurance worth it?

Hi fellow dog owner, I understand it’s easy to be at a crossroads regarding pet insurance. Thousands of caring and protective pet owners have asked me that very question.

I’m Doggy Dan, and I'm finally sharing what I tell dog owners who ask for pet insurance advice in this blog. With pet insurance marketed as a need and a must, should every pet owner get it?

Read on for the answer.

Key Takeaways

Pet insurance is optional, but there are big factors that make it a must.
Your budget plays a great role in making the decision whether or not you get pet insurance for your dogs.
Large and pedigree dogs need pet insurance because they are more prone to emergencies and expensive general care costs.

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Pet Insurance Worth It or Not? Here’s My Story
Three Factors That Make Pet Insurance Worth It
Two Factors That Make Pet Insurance Optional
Should I Really Get Pet Insurance for Large and Pedigree Dogs?
Is Pet Insurance Worth It? Ten Things to REALLY Consider Before Getting One
Is Pet Insurance Worth It? The Answer Depends On What You Need

Pet Insurance – Worth It or Not? Here’s My Story

I love my dogs and every dog that comes to us is family. Because I’m also a protective pet owner, I opted for pet insurance for $500 a year for two dogs. The insurance spanned ten years and cost roughly $5,000.

Yet, after paying for the hefty dog insurance cost, I don’t think I have been able to make a claim that made me feel like I have made the most out of the insurance.

If anyone comes to me asking, “Should I get pet insurance for my dog?” I give this general answer: it really depends on so many factors.

I won’t immediately say, “Yes, get it!” because not all pet owners can shell out $250 a year for pet insurance.

I won’t also say, “No, don’t bother!” because pet insurance benefits are also good.

So many factors and considerations come into play in deciding if pet insurance is worth it, and I’m sharing them all with you in this blog.

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Three Factors That Make Pet Insurance Worth It

How do you know if your pet needs pet insurance?

Should you get one just because your vet tells you to do so? Other pet owners telling you it’s a must? Because popular influencers are all about pet insurance?

Getting pet insurance is a major decision that should be based on WHAT YOU REALLY NEED. To help you make the decision whether or not to get dog insurance, consider these three important factors.

Factor #1: Your Financial Capacity for Emergencies

You can never tell when your dog might need a $5,000 treatment or operation. If you can’t afford to spend $5,000 just for a single emergency, consider getting pet insurance.

Having pet insurance for emergencies allows you to give proper care for your pet whenever they need it.

Factor #2: Your Peace of Mind Makes Pet Insurance Worth It

You can purchase insurance policies that cover various types of medical treatments and procedures, including emergency care, surgery, and medication.

If having a ready resource for emergencies give you assurance and peace of mind, pet insurance is worth it.

By having pet insurance, you can feel secure knowing that they will not have to make difficult decisions about your pet’s needs based on financial constraints. Pet insurance is worth it because it eliminates stress and worry of unexpected veterinary bills, which can be expensive and difficult to manage.

Factor #3: The Breed and Size of Your Dogs

It's hard not to feel the weight of the expenses when caring for a big or pedigreed dog. The costs can add up quickly leaving you feeling anxious and uncertain. But don't worry, you're not alone. Studies have shown that these dogs are more prone to health issues, making it even more important to prioritize their care.

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I know it's tough to hear, but if you have a larger or pedigreed dog, chances are you'll be spending more than the average pet owner. That's why pet insurance is a no-brainer because for bigger dogs, pet insurance is worth it. It's like a safety net, protecting you and your furry companion from any unexpected health issues that may arise.

Investing in pet insurance can bring a sense of comfort and relief because it gives you a cushion to fall back on in case of any tragic events. It's all about providing the best possible care for your beloved pet while reducing the financial burden and stress that comes with it.

Two Factors That Make Pet Insurance Optional

While pet insurance can provide financial protection and peace of mind for pet owners, it is ultimately a personal decision based on individual circumstances and preferences. It is not mandatory and pet owners can choose to self-insure or pay for veterinary expenses out of pocket.

Here are three factors that can help you cross—without guilt!—pet insurance off your list of pet care must-haves.

Factor #1: You Have the Budget

If you have access to a substantial amount of money, such as $5,000, $10,000, or even $20,000 — and you don’t mind spending it on pet care alone — you can choose to opt out of pet insurance.

If you feel confident that you can cover the cost of unexpected veterinary bills by using savings or borrowing against their mortgage, pet insurance can be optional.

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Factor #2: Your Dog is Low-maintenance

Low maintenance dogs, such as those who require minimal grooming or have few breed-specific health issues, may not require pet insurance. These dogs are generally less likely to develop chronic health problems, require frequent visits to the veterinarian, or need costly medical procedures.

Now here's a little caveat from Doggy Dan: while pet insurance may not be necessary for low-maintenance dogs, having a financial plan in place for unexpected veterinary expenses is still essential to ensure that you are prepared for any eventuality.

Should I Really Get Pet Insurance for Large and Pedigree Dogs?

Large and pedigree dogs may be more prone to certain health conditions than other dogs, so getting pet insurance is an advantage. These breeds may be more likely to develop conditions such as hip dysplasia, cancer, and heart disease, which can require expensive medical treatment.

In addition, larger dogs are also more susceptible to injuries, such as ligament tears, that may require surgical intervention.

Given the potential costs associated with these health issues, pet insurance can provide valuable financial protection for large and pedigree dog owners.

With the right coverage, pet insurance can help cover the cost of expensive medical treatments, surgeries, and medications. By investing in pet insurance, you can have peace of mind knowing that your dogs are prepared for any unexpected veterinary expenses that may arise.

Is Pet Insurance Worth It? Ten Things to REALLY Consider Before Getting One

#1: Coverage of Your Pet Insurance

Consider what types of incidents and procedures are covered by the insurance policy, such as accidents, illnesses, and routine care.

#2: Exclusions

Be aware of any exclusions or limitations in the policy, such as pre-existing conditions or certain breeds that may not be covered.

#3: Deductibles

Determine the amount of deductible you are comfortable with, which is the amount you pay before the insurance kicks in.

#4: Premiums

Compare premiums from different insurance providers to find a policy that fits your budget. Luckily, you can find pet insurance policies with flexible premiums.

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#5: Reimbursement Rates

Understand how reimbursement rates work and the percentage of the vet bill that will be covered by the policy so you’ll know what to expect.

#6: Waiting Periods

Find out if there are any waiting periods before coverage begins, and how long they last. Knowing this allows you to plan ahead and make sure that you have coverage in place when you need it.

#7: Maximum Payouts

Be aware of any maximum payouts or caps on coverage that may be included in the policy. You'll want to make sure that the policy provides sufficient coverage for your pet's potential medical needs, as well as any conditions that your pet may be prone to based on their breed or age.

It's also important to note that some pet insurance policies have a maximum payout per year, while others have a maximum payout per condition.

Understanding the details of the policy and the maximum payout limits can help you make an informed decision about which policy is right for you and your pet.

#8: Customer Service

Research the quality of customer service provided by the insurance provide before getting pet insurance. Don’t forget to read reviews from other pet owners.

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#9 Provider Network

You can say that pet insurance is worth it is when you can use it for the services of the vet of your choice. Consider whether the insurance provider has a large network of veterinarians and specialists in your area.

#10 Pet's Age and Health

Take into account the age and health of your pet, as well as their breed and any previous health issues, to determine if pet insurance is worth it or necessary. This factor can also help you choose the best insurance coverage.

Is Pet Insurance Worth It? The Answer Depends On What You Need

“Should I buy pet insurance?” The answer to this question depends entirely on you.

Pet insurance is optional, and not getting one doesn’t mean you are a bad dog owner and you don’t care enough for your pets.

In the end, it all boils down to what you feel about these questions:

Are pet insurance costs too much for you?
Is getting pet insurance worth it for your peace of mind?
Do you want to be able to give your dog the care that they need, when they need it?
Is your budget enough to pay for emergency expenses out of your pocket?
Is your dog prone to illnesses? Do they require more pet care expenses?

Having pet insurance is good; there’s no doubt about that. However, when it’s currently out of your budget, or if you feel like the $250/year insurance cost is quite a reach, getting it for another time doesn’t make you any less of a loving pet owner.

I always believe pet owners have a strong gut instinct when it comes to raising dogs, so trust it.

Is pet insurance worth it? The answer depends on you because you know what’s best for you and your pet.

May the best choice win!

~ Doggy Dan

Doggy Dan

Doggy Dan stands out through his “five golden rules” that focus on canine psychology rather than repetitive drills or force. Unlike traditional trainers, he teaches owners to become the “calm leader” their dogs need. Over the last two decades, his methods have helped transform over 125,000 dogs worldwide. As the founder of TheOnlineDogTrainer.com blog and podcast and creator of the Dog Calming Code™, he has become a trusted voice in dog psychology and training. His philosophy is simple: reactive dogs don’t need punishment or endless treats. They need a leader they can trust.

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 17 September 2026
 
 
 
 
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 15 September 2026
 
 
 
 
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I started. The course 3/4 weeks ago. As Dan says you have to work on things if you get stuck. I have a Staffordshire x cane corso who is now six months old. She is very intelligent but sometimes she just doesn’t listen. Doing the five codes I’m finding it’s going pretty well except trying to get her calm so I am persevering with it again with my own space. I have a trainer call shortly which I will ask for advice on this. It’s great also that you can ask anything you’re not sure of on line. It’s so great to have someone there to help. I’m looking forward to having a relaxed girl instead of hyper most of the time as she gets so excited about almost everything. I would truly recommend doggy Dan and just wished I would have come across him much earlier. Thanks again for everything so far.
     
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 9 September 2026
 
 
 
 
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This program is amazing!. We have a VERY reactive rescue dog that has bitten his previous owner and as well, myself 3x and my husband 4 x's. He had never been around people or other animals, and had never been walked on a leash. (in fact never run off-leash either, just tied to the front steps). We began with traditional treat-based training with a professional, but the progress was frustrating. A reactive dog does not want treats; it wants comfort. With the 5 Golden Rules and and some of the other training we have received with our subscription, in just 3 weeks, we can let him off leash at the dog park, he has not growled at any stranger, and he has not attacked any other animals. He is still a work in progress, but we see progress!!!! He has become a cuddly, sweet dog and for a greyhound, he even has recall! This program is amazing to say the least. We were at our wits end, but now we have hope.
     
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 8 September 2026
 
 
 
 
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 8 September 2026
 
 
 
 
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 31 August 2026
 
 
 
 
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 18 August 2026
 
 
 
 
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 16 August 2026
 
 
 
 
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 13 August 2026
 
 
 
 
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 13 July 2026
 
 
 
 
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 13 July 2026
 
 
 
 
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 11 July 2026
 
 
 
 
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For three years, I tried every treat-based method and expensive course to stop my large, powerful male dog from pulling on the leash, barking, and stressing out when his energy got too high on our walks. (So while he is a farm dog who enjoys total freedom off-leash on our farm most of the day, on-leash in the city, he totally lost it). He was practically hanging from the leash, two feet in the air (almost strangling himself), always demanding to walk in front and make all the decisions. Absolutely nothing worked—until I found Doggy Dan! 🏆 After just a couple of weeks implementing The 5 Golden Rules, the transformation is absolutely mind-blowing!!! By focusing on connection and calm leadership rather than rigid commands, my dog has FINALLY reconnected with his natural calmness (that has actually always been there inside him) ❤️❤️ When we walk through town now, I look down at my dog walking in a perfect "heel." The leash hangs completely loose, and that loose leash really says it all 👍👍👍 He does not pull, bark, or growl AT ALL when other dogs bark at him!😱 Yes, he looks at them and is interested, but he remains completely calm. We pass shouting people, groups of kids on scooters, and dogs barking aggressively behind gates—he is interested, but he remains entirely unfazed. Just yesterday, we stopped in front of a fence with chickens walking in a garden, and he just stood there watching curiously, staying completely still. And as we walked across a large, grassy schoolyard, we suddenly crossed paths with two rabbits—when I told him to, he immediately sat down. Of course, he was highly interested, but he sat completely, utterly still! I constantly find myself thinking: This can NOT be my dog, LOL! 🐇🐓 Dan refers to himself as a dog trainer, but in my humble opinion he is a dog philosopher. The course is incredibly generous, filled with hundreds of real-life videos from every situation imaginable, offering a massive toolkit for an amazing price. I am so excited to continue this course, so happy about the progress, and so looking forward to the future with this beloved dog of mine. I HIGHLY recommend it! ⭐⭐⭐⭐⭐
     
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 8 July 2026
 
 
 
 
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I've only been working the program for a week and already are seeing some great improvements with an overexcitable, energetic, barking at everything, and fun Maltipoo. I'm focusing on the 5 golden rules and watching the training videos.  Thanks Doggy Dan!
     
   Rebecca Cheney 
 4 July 2026
 
 
 
 
    In a matter of days my 5 year old Frenchie is calmer and seems happier, albeit not happy that I'm ignoring him but it works! I live alone so he thinks he should be boss and protect me from every visitor but he didn't even bark at the window cleaner yesterday, just followed him around each window. My life might be my own soon, thank you!
     
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 2 July 2026
 
 
 
 
    +4
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 2 July 2026
 
 
 
 
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We have adopted a Poodle and he us very high energy,  anxious and insecure. I joined the online program after I watched the free online webinar about the 5 Golden Rules. While watching the webinar all 3 of my dogs ran off barking... I calmly called out "thank you" and they all came back to me.. from that moment I was hooked. I love the fact that we use minimal sound in this technique as I can become anxious and unsure in my tone. I have seen results with the new Poodle and I am exited about our future. Thanks Doggy Dan, you are a gem 👌🐾🐾🐾
     
   Jane Uprichard 
 22 June 2026
 
 
 
 
    The training has been amazing. I've been training dogs in unprofessional situations since the mid 1970's. I've never heard of this philosophy! We have a 4-year-old Great Dane mix who is leash aggressive and hyper-reactive to any noises. This training has been incredible. In a week we've seen dramatic differences in his anxiety - just based on the 5 Golden Rules (we haven't even gotten to the Reactive Dog training yet). My only complaint is the persistent emails to sign up for the Canine Coaching Club - which is a monthly subscription. That's been a lot and it started immediately. Other than that, I highly recommend this training system.
     
   Kristi Nay 
 15 June 2026