Oak Creek Small Animal Clinic | Sedona, AZ
When it comes to your pet’s health, you have probably thought about vaccinations, healthy food, and regular checkups. But what about financial protection for the unexpected? Families may wonder why get pet insurance and if it is really worth it. The truth is that the answer often depends on your pet’s lifestyle, age, and future health needs.
Did you know September is recognized as National Pet Insurance Month? It’s a reminder for pet parents everywhere to take a closer look at how insurance can safeguard their pet’s well-being and their own peace of mind. There’s no better time to explore what coverage could mean for your family.
The Real Costs Behind Veterinary Care
Veterinary medicine has advanced quickly in recent years. Pets can now receive advanced diagnostics, cancer treatments, and life-saving surgeries that were not widely available a decade ago. However, these options also come with significant costs.
- A fracture surgery repair for a dog could cost between $2,500 – $3,500.
- Emergency foreign body surgery after a cat swallows string may cost $2,500–$4,000.
- Long-term conditions like heart disease or diabetes can add up to thousands of dollars in medication and testing over time.
*These figures are consistent with regional veterinary pricing in Arizona, though exact fees vary by clinic.
Without insurance, pet owners sometimes face the heartbreaking decision between what is medically possible and what is financially realistic. This is one reason many people start asking why get pet insurance before a crisis happens.
What Coverage Can Offer Beyond Emergencies
It is easy to assume insurance is only helpful in emergencies, but plans can cover far more. Depending on the provider and policy type, coverage may include:
- Accidents and urgent care
- Illnesses such as infections, cancer, or diabetes
- Diagnostic testing (X-rays, ultrasounds, blood work)
- Surgery and hospitalization
- Prescription medications
- Some plans even include dental procedures, rehabilitation, or alternative therapies
Coverage levels vary, which is why comparing policies matters. Thinking about why get pet insurance is not just about “what if something happens,” but also about how coverage can support your pet’s health throughout their lifetime.
Why Get Pet Insurance Early?
One of the most frequent questions we hear is why get pet insurance while my pet is still young and healthy? The reason is that most policies will not cover pre-existing conditions. Enrolling early means you will likely have more options and lower monthly premiums. Even if your pet does not need care now, coverage ensures you’re prepared for whatever the future may bring.
Taking the Next Step: Pawlicy Advisor
At Oak Creek Small Animal Clinic, we want to make finding the right plan simple. That’s why we have partnered with Pawlicy Advisor, an AAHA-recommended pet insurance marketplace. Pawlicy Advisor takes the stress out of shopping for coverage by comparing top providers side by side and giving you clear, personalized recommendations. Before and after certain types of appointments, you may even receive helpful information directly from Pawlicy Advisor, so you can review options at your own pace.
We have also made Pawlicy Advisor easy to find on our website – it has been added to our menu bar.
What makes Pawlicy Advisor unique?
- Personalized recommendations based on your pet’s breed, age, and location
- Side-by-side comparisons that clearly show premiums, deductibles, and coverage differences
- Transparency that highlights exclusions, so you know exactly what is covered — and what is not
- Time savings, since you do not have to spend hours visiting multiple provider sites
For pet parents who are still asking why get pet insurance, Pawlicy Advisor provides clarity and confidence in making an informed decision. Read more about how Pet Insurance is Changing Vet Care in 2025.
When Pet Insurance Can Make the Biggest Difference
Still not sure if insurance is right for you? Consider these scenarios:
- Emergency Care: A playful puppy swallows a sock. Surgery costs $3,500. With insurance, up to 70–90% of the bill could be reimbursed.
- Chronic Conditions: A senior cat develops thyroid disease. Monthly medications and blood tests add up over the years. Insurance helps make long-term care more manageable.
- Multi-Pet Families: Covering multiple pets can be expensive. Pawlicy Advisor helps find the best combination of coverage and affordability.
These examples aren’t about telling you what to do — they are about showing how families who once wondered why get pet insurance often discover its value when the unexpected happens.
Protecting Their Future: Supporting Yours
Every pet and family are unique, which means there is no single right answer to the question why get pet insurance. What matters most is understanding what coverage could mean for your pet’s future and your peace of mind. We encourage you to check Pawlicy Advisor out and determine if there is a pet insurance option that works for you! You have a trusted, AAHA-recommended tool to help you explore and compare plans without pressure.
With September being recognized as National Pet Insurance Month, it’s a great reminder that planning ahead makes a difference. Taking the time now to compare coverage options could help you avoid tough financial choices later — and keep your pet’s care focused where it belongs: on their health and happiness.
Take the next step today—visit our website to access Pawlicy Advisor, explore personalized options, and make an informed choice about your pet’s future care.
