A Full Guide to Pet Insurance

Health insurance is something you can’t see yourself without. So, does your companion need insurance too?

What Is Pet Insurance?

Just like traditional health insurance, it is a financial safety net against accidents, illnesses, and other health threats for your furry friend. So, pet parents won’t be responsible for the entirety of the vet bill. This is especially great if you come across unexpected vet bills if your four-legged friend gets injured or sick.


Similar to traditional insurance, you will pay a monthly premium for coverage, and the insurance doesn’t kick in until you have met your deductible.  Coverage prices, premiums, deductibles, and payouts will depend on the unique contract. However, on average, pet insurance is $40-$60 monthly. But, accident-only coverage and preventative care average $15-$25 monthly.


Pet insurance covers treatment for all kinds of instances and accidents. Being a pet parent is already expensive. Also, the fact that things could go wrong at any time makes the financial cost even higher. So, pet insurance will help lessen that burden when accidents occur. What you pay in premiums can be much less than the total out-of-pocket cost without the insurance. Plus, any licensed vet will accept pet insurance. You do not have to find an “in-network” doctor like you may have to do with your own insurance plan.

Plans can be ranging from covering accidents, illnesses, chronic conditions, wellness visits, or some combination of those. So, when choosing a plan, consider what is realistic and needed for your companion, and their health and lifestyle. Whether you have a puppy or a senior companion, insurance will prove to be beneficial.  Additionally, some companies offer a free quote before you sign up. This allows you to get a good understanding of the cost before committing to a brand.


EmbraceManyPets, and Spot are all excellent pet insurance companies. Embrace offers great coverage benefits, covers exam fees, and has a 24/7 pet health line. Additionally, there is only a 2-day waiting period for accident coverage. ManyPets has unique and valuable coverage and competitive pricing. Spot offers a lot of room for adjustments to pick benefits that fit your needs and budget. Additionally,


It all comes down to researching what brand and coverage will be right for you, your pal, and your budget. It is best to read reviews online and ask friends and family about their experiences and recommendations. Additionally, you can check out an insurance company’s online presence through social media, their website, their contact info, and customer service support.

There are many other options out there. So, research and decide what plans fit your needs and budget best! We highly recommend pet insurance to help reduce the financial stress that already comes with being a parent to your fur baby.

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Service Area

We service the following Treasure Valley areas:

  • Boise
  • Meridian
  • Eagle
  • Kuna
  • Nampa
  • Caldwell

Contact Us.

Positive Pets Dog Training
(208) 888-0708
Meridian Location
2374 E Cinema Dr
Suite 100
Meridian, ID 83642
Map & Directions
Boise Location
6675 S Eisenman Rd
Suite 140
Boise, ID 83716
Map & Directions
Mon - Sat: 9:00am - 6:00pm
Sunday: closed
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