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Older white haired woman sitting on a patio and holding a small dog while smiling

Does Pet Insurance Really Save You Money?


Editor’s Note: Sponsored by Physicians Mutual Insurance Company. 

The bond we share with our pets adds so much joy to our lives.

They count on us for food, shelter, affection — and to help them stay healthy.

Now think about what you’d do if an unexpected accident or illness lands them at the vet … and the bill is more than you can afford.

That’s why pet insurance can be a literal lifesaver — after all, when your pet needs medical care, you don’t want your budget to be the deciding factor in choosing treatment. Fortunately, having a pet insurance policy with Physicians Mutual can save you serious money.

How does pet insurance save money?

Golden retriever dog with a pink cast on his front paw sitting on a veterinary table

Quality vet care is expensive. And over the lifetime of your pet, you could spend thousands of dollars on regular checkups, tests, medication … and thousands more for emergency treatment of a serious illness or injury.

Now, you can make sure your pet gets the care they need without worrying how to pay for it.

Let’s say your 4-year-old dog “Max” breaks his leg and needs surgery. The vet bill is $3,500, but with the Physicians Mutual Preferred plan, you’ll collect $2,925 — leaving you with only $575 to pay — and saving you thousands.

What does pet insurance cover?

Here are some highlights that make Physicians Mutual pet insurance a smart choice:

  • You can get coverage for any breed of dog or cat, at any age
  • Go to any vet, anywhere — including specialists and emergency clinics
  • Up to 100% reimbursement of your vet bills — treatment for illnesses, surgery, lab tests, X-rays, hospitalizations and more
  • There’s no deductible or co-pay for emergency, lifesaving treatment
  • No lifetime maximum benefit
  • Benefits for wellness — like exams, dental treatments and vaccines

When is the best time to get pet insurance?

When you have a pet, you know … things happen.

Eating something they shouldn’t …  a leg sprain from doing zoomies around the park … an unexplained itch or allergic reaction. In fact, 1 out of 3 pets will need emergency veterinary treatments each year.* That’s why it’s a good idea to check out your coverage options now — before you’re faced with an expensive vet bill.

How much does pet insurance cost?

Cost is based on some information about your pet and the options you select. You can choose from 3 pre-built plans or customize your coverage. Pay for only what you need, at a price that works for you.

What should you do now?

Couple looking at laptop on the floor with their dog

Find out for yourself how affordable this coverage can be. It’s easy to get an instant, no-obligation quote from Physicians Mutual with all the details now.

*Are You Prepared for a Pet Emergency? Most Americans Are Not,”, June 14, 2018

Product not available in all states.


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