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While we’ve always espoused the virtues of pet insurance, there are some real financial figures to consider when making your decision—namely, can you afford it if your pet gets sick or injured?

Choosing to get a pet insurance plan for your dog or cat can help save a life and keep you out of the red. We often see owners wishing they’d purchased insurance plans before their pet got sick or injured, and while it is becoming more popular to insure your pets, it still isn’t the most immediate choice. If you’re on the fence, we have some good news: Consumer Reports released an article comparing the costs of pet insurance, and we’re happy to say Healthy Paws came out on top.

The Major Benefits

Healthy Paws offers an insurance plan for cats and dogs that covers injuries, illnesses, genetic conditions, and emergency care. The plan makes it easy for you to sign up and even easier to protect your dog or cat from the unexpected. Like most pet insurance plans, it doesn’t cover pre-existing conditions. Unlike most pet insurance companies, the Healthy Paws plan does not have limits on claims.

You’re able to choose your deductible amount and coverage, and the Healthy Paws plan covers a flat percentage of covered costs thereafter. Working on a reimbursement basis, you submit your hospital or vet bill via our mobile app, and we issue you a check. It’s that simple.

While many pet owners rely on a savings account for emergencies, unfortunately, animals with trauma or a sudden onset of illness can wipe those savings completely out. Diagnoses can lead to expensive urgent care including surgeries and follow-up. Consumer Reports continues, “A serious illness or injury can take a financial toll, even when the patient is a pet. Cancer treatments can easily run $5,000; surgery to fix a torn ACL from, say, a poorly executed jump off the sofa can cost about $3,300. Pet insurance is sold with the promise that by helping to cover some of your pet’s medical bills, you won’t be forced to consider ‘economic euthanasia’ in the most dire circumstances.”

So it is a personal decision, and an emotional one we—your fellow pet parents—don’t take lightly. So is it worth it? If you’ve ever had a major medical bill for a pet, you know the answer: absolutely yes.