Pet News

Myths and facts about pet health insurance

Rachel Phelps
Written by Rachel Phelps

I met Protect Your Bubble Pet Insurance at BarkWorld Social Media Expo and I was impressed with their straightforward approach to pet insurance.  So today I asked my new pals to help us understand what exactly pet insurance is and more importantly what it is not. 

Protect Your Bubble clarifies what’s true and what isn’t about Pet Insurance

In many countries, 30 to 50 percent of pet owners have pet health insurance.  In the US, only one percent of pet parents have coverage. As Americans, our pets are family members and we typically go to the ends of the earth to keep them healthy and happy. So why don’t we embrace pet health insurance like the rest of the world?  Protect Your Bubble Pet Health Insurance wants pet parents to understand the truth.

  •  MYTH 1: Pet insurance is too expensive
    Not true!  When you consider the cost of annual check-ups, accidents and illnesses across the lifetime of your pet, you are talking thousands of dollars!  With premiums starting as low as $13/month, basic pet health insurance plans are affordable – and plans with additional features are getting more and more affordable as they become more popular. With just a bit of research, you’ll find multiple options available for every family.
  • MYTH 2: Pet insurance is only for sick pets
    The truth is an estimated 92% of all pets will experience some sort of severe emergency in their lifetime! And if you’ve ever been through an accident with a pet, you know that emergency treatments aren’t cheap. New pet health insurance companies like Protect Your Bubble have made it their mission to educate pet parents about what policy is best for their particular pet.
  • MYTH 3: Pet insurance has too many exclusions to be worth it
    This may have been true in the past when pet health insurance first emerged, but pet health care plans have become much less exclusionary as they’ve evolved.  Protect Your Bubble is a top pet insurer in the UK and when they launched in the United States, their main goal was to keep everything simple and to spell out exactly what is covered in their plans.  They even cover things that are rarely covered like alternative therapies for pets – chiropractic medicine, acupuncture and more.  The key is to read and fully understand the policy – just like you would with a human health insurance policy.
  • MYTH 4: You cannot choose your own vet
    Not true.  Most pet health insurance companies allow you to choose your own veterinarian.   Protect Your Bubble plans work with any licensed veterinarian in the US or Canada.  So even if you are traveling, you’re still covered – which is important if there is an emergency with your pet while you are away.
  • MYTH 5: Pet insurance is a hassle
    The real hassle is a several thousand-dollar surgery that you haven’t budgeted for.  Pet insurance is a tool to help pet parents avoid a financial crisis due to unexpected veterinary expenses.  It would be amazing to live in a world where no family ever has to make the decision to give up their pet because they can’t afford a surgery or treatment.  Pet health insurance can help protect against ever having to make that grueling decision.

About the author

Rachel Phelps

Rachel Phelps

Rachel Phelps, “America’s Pet Parent,” is an award-winning writer, photographer, and certified dog trainer. She keeps busy managing the career of her Internet celebrity dog Preston from Preston Speaks. Her three Westies — who think they are mini-humans — and three cats rule the house. To learn more about Rachel go to: Rachel Phelps Website


  • My experience with pet insurance shopping has been the same as Jana’s; cheap monthly policies are just that, cheap, while very expensive policies are the only ones that would truly help in an emergency and do anything to help with routine costs. We decided instead to have a HSA for our dogs that, after just one year of saving what the cheap policies would cost per month, has almost the maximum of what those cheap policies would cover in an emergency. It’s a much better investment in our dogs futures with no limits and no red tape.

  • In full disclosure, I work for Protect Your Bubble. We are excited to have launched in the US market and look forward to helping consumers understand our pet insurance, so we are pleased to weigh in on this. Thirteen dollars per month buys consumers peace of mind in the unlikely and unfortunate event of an accident. Illnesses are statistically more likely to happen than accidents, which is why we recommend our Plus Plan which is around $49 per month for dogs and $33 per month for cats. Consumers can reduce the monthly premium by as much as 17% on average by increasing the deductible to $250 or more. The Plus Plan comes with a $5k per incident benefit for accidents or illnesses – without any restriction on the number of illnesses or accidents per year. The plan also includes coverage for hereditary and congenital issues as well as alternative therapy and behavioral care. While some may choose not to pay $33-$49 per month; the Safety Plan is still a good option. It covers accidents only for as little as $13 per month and can help out in catastrophic events like falls, breaks, or even serious accidents. A low, one-time deductible of only $100 with a 90% benefit payout on covered charges from a licensed vet – coupled with no waiting periods for accidents since they can happen any time – make the Safety Plan attractive to budget conscious pet parents. Something to keep in mind: 92% of all pets will experience an emergency in their lifetime. Protect Your Bubble urges all pet parents to seek out the best possible care for their pets and research the many options available from us and other insurance providers in the industry today. For anyone who’s in the market, check out

  • expensive topic for a pet lovers and i allready have my dogs health insurance. i am happy for its future.

Leave a Comment