Pet insurance can reimburse you, or in some cases pay upfront for eligible veterinary expenses, particularly if your pet suffers an unexpected accident or illness. The most important thing is that your insurance covers large expenditures that would be difficult for you to cover on your own. You don’t want to have to decide between euthanasia and treatment because of costs.

The cost of pet insurance is often in the hundreds per year while the cost of treating illness and accidents is often in the thousands. An emergency visit for your cat or dog can easily exceed $1,000 in just a few hours. Emergency and specialty care can be up to $10,000 or more for serious illnesses and accidents. Insurance is one option to help pet owners plan and be prepared for large, unanticipated emergency expenses.

Fern Hill Veterinary Care is not affiliated with any insurance company, and it’s very important you research any insurance plan before enrolling. Amongst our staff and clients, some of the more popular companies are Trupanion, Embrace, Healthy Paws, and Pet’s Best.  Trupanion is the only company that can do direct payment to our hospital (and many ERs) for the covered amount of a claim, instead of reimbursing you after you pay.