Pet Insurance

Top 5 Reasons Why Pet Insurance Is Worth The Cost

By Odie Blog Editors on December 23, 2019

When we first started shopping around for pet insurance for our 6-year-old golden retriever, we kept asking ourselves, “is it really worth it?” Our dog is healthy and we’ve never had an emergency situation before. It seemed like paying a monthly premium without the guarantee of ever using her policy would be a waste of money. Plus, we would still have to pay the vet out of pocket and then get reimbursed. It felt expensive for a “what-if” scenario. 

It didn’t seem worth it until I witnessed an emergency situation unfold with my friend’s brand new corgi puppy. Within 3-4 weeks of having her puppy, the little guy fractured his back leg while playing. Luckily the fracture wasn’t enough to need surgery but it was enough to rack up a $3,500 vet bill in New York City. That was just the start of it. 

For months my friend had to take her puppy back to the vet for check-ups, X-rays, and bandage changes. She also had the additional costs of prescription medication, pet sitters, and taking time off from work. Needless to say, that fracture would cost her well over the initial $3,500.

After seeing those numbers we had to ask ourselves, “are we prepared to pay $3,500-$5,500 right now if our dog fractured her leg?” 

“Could we afford to lose that amount with no chance of getting it reimbursed?”

The answer? Absolutely not. 

That’s when the idea of pet insurance resurfaced in our household conversations. 

You see insurance was created to help individuals from huge financial loss in case of an emergency. This concept is no different with pet insurance. For a small monthly payment, you receive peace of mind knowing that you are financially covered in an urgent situation. That’s a pretty good deal if you ask us. 

Odie Pet Insurance was created because we want pet owners to be able to take care of their loved one’s well-being without having to sacrifice their finances. In our eyes, pet insurance is worth every penny, and here are five more reasons why we think it’s valuable.

#1 Peace of mind.

How much are you willing to pay for peace of mind?

With ODIE, you can get coverage for unexpected accidents and illnesses for a small monthly payment. Depending on your deductible and the reimbursement percentage you choose, you could potentially receive up to 90% of an emergency vet bill back. Plus, ODIE offers add-on coverage for things like routine care, office visits and exam fees, even take home prescription medication. For most, knowing that they will be reimbursed after coming out of pocket for a huge bill will give them greater peace of mind.

#2 Better choice of vet care.

Do you pick vet care based on the cost?

Wouldn’t you rather choose the best veterinarian for the job instead of who is the cheapest? We would! When you have pet insurance, it’s great knowing that you will be reimbursed for the care you receive no matter what vet you choose. With ODIE, you can use any licensed vet in the U.S.

#3 Emergency veterinary coverage.

Are you financially prepared for an emergency vet situation?

If you were hit with a $3,500 vet bill today, would you be able to cover the cost? Most Americans wouldn’t. Pet insurance can help you prepare for an emergency in an affordable and cost-effective way.

#4 Affordable monthly premium.

Can you cover the cost of a smaller monthly payment instead?

This is more of a personal financial question and one that you will need to consider. An average monthly premium costs between $35-$50. When looking at the bigger picture, it’s worth having the financial backup when you really need.

#5 No breed or age limits.

Do you tell yourself it’s too late to get your pet covered? FYI, it’s not.

Like most pet insurance companies, ODIE doesn’t cover pre-existing conditions or hereditary issues. However, we do cover dogs and cats as young as 7 weeks old with no upper age limits. As dogs get older, they’re more likely to need vet care. With our great add-on options you can get covered for normal office visits, take home prescriptions and rehabilitative treatments like acupuncture and chiropractic care. Even later down the line, it’s still worth doing the research.

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