For many families, pets are more than companions — they’re part of the household. As veterinary costs rise, more pet owners are turning to pet insurance to make sure their dogs and cats receive the best care possible without straining household budgets. In 2025, the pet insurance market is experiencing record growth, reflecting both financial realities and shifting attitudes toward animal care.
Why Pet Insurance Is on the Rise
Veterinary medicine has advanced significantly in recent years. Pets can now receive treatments once reserved only for humans, including MRIs, chemotherapy, and complex surgeries. While this is good news for animal health, the cost of care has climbed. A routine visit might be affordable out of pocket, but an unexpected accident or diagnosis can lead to bills in the thousands.
Industry reports show that average annual veterinary expenses for dogs and cats have doubled in the past decade. At the same time, adoption rates during and after the pandemic brought millions of new pets into American households. These two factors — higher costs and more pets — have created the perfect conditions for pet insurance to expand.
What Pet Insurance Covers
Pet insurance works much like health insurance for people, though policies vary widely between providers. Generally, coverage falls into three categories:
- Accidents and Emergencies: Injuries from accidents, swallowed objects, or sudden illness.
- Illnesses: Coverage for diagnostics, treatment, and medications for conditions ranging from infections to chronic diseases.
- Wellness Care (Optional Add-On): Routine visits, vaccinations, flea and tick prevention, and annual checkups.
Some policies even include coverage for hereditary or congenital conditions, as well as prescription diets. Most plans reimburse a percentage of the bill — often between 70% and 90% — after deductibles.
What Pet Insurance Doesn’t Cover
It’s just as important to know what isn’t covered. Pre-existing conditions are generally excluded, which means coverage is most affordable and comprehensive when purchased early in a pet’s life. Cosmetic or elective procedures, breeding-related costs, and non-veterinary expenses are also typically outside the scope of coverage.
The Bottom Line
Pet insurance is gaining momentum in 2025 because it helps families prepare for the unexpected. By covering significant portions of veterinary costs, policies allow pet owners to make care decisions based on what’s best for their pets — not just their wallets.
At Inszone Insurance, we can help you explore pet insurance options that fit your needs and budget. Whether you’re a first-time pet parent or looking to enhance your family’s protection, our team can guide you through the details so you can focus on what matters most: enjoying time with your furry friends.
Inszone Insurance | (877) 308-9663 | www.inszoneinsurance.com
Juan Cruz
