In over a decade as an ER veterinarian, I’ve seen many thankful clients able to accept expensive care due to their pet insurance. However, I’ve also witnessed clients who paid high premiums over their pet’s lifetime, only to be declined coverage for treatments without clear medical justification. It’s really a challenge to navigate the insurance industry but when asked if pet insurance is worthwhile, my primary consideration is always breed type and associated health risks.
BREEDS WITH KNOWN ISSUES
Not all pet breeds are created equal — dogs and cats with unique traits typically face greater (and more expensive) health challenges. Pugs, Bostons, Bulldogs and Persian cats with their bulbous eyes, flattened faces and skin rolls experience eye, respiratory and skin issues. Dachshunds and Corgis, known for their elongated backs and short limbs, commonly suffer from spinal disc herniations. Giant and large breeds like Great Danes, Saint Bernards, Newfoundlands and Shepherds are particularly prone to joint dysplasia, osteoarthritis and shorter lifespans. Toy breeds like miniature poodles tend to have the most severe dental problems. Cavalier King Charles Spaniels and Sphynx cats are almost famous for heart issues.
For these breeds, chronic conditions often become expensive with more veterinary visits, diagnostics, procedures, medications, specialist referrals, and emergency care.
CHOOSING COMPANIES
Pet insurance enables optimal healthcare decisions with less worry of high medical bills. Here, I typically highlight insurance carriers focused mainly on illness coverage, though some also include wellness care such as routine blood work, preventive care, and vaccinations. I am not an expert in insurance but from clients I have heard positive things about a few companies – specifically Healthy Paws, Embrace and ASPCA. When I practiced overnight ER, I often found Trupanion to be trustworthy and responsive—particularly due to their excellent after-hours and weekend support—but recent frustrating client experiences have made me more cautious about recommending them.
Ultimately, choosing pet insurance involves weighing breed-specific vulnerabilities and individual circumstances. If your pet’s breed is covered by one of the categories above – I definitely recommend considering pet insurance. Until next week!
Dr. Ezra Ameis is an emergency veterinarian and the owner of Paw Priority in West Hollywood, a clinic providing general practice, urgent care, and acupuncture. To suggest a topic or ask a pet-related question, email hello@pp.vet.