476 Myrtle Ave

Brooklyn, NY 11205 US

(718) 623-3999

Open mobile navigation

Vet Care Doesn't Have to Break the Bank; Pet Insurance

Sad cat needs pet insurance

Thanks to Pet Insurance, Vet Care Doesn't Have to Break the Bank

Unexpected veterinary bills can quickly drain your bank account or emergency fund. Since you never know when disaster will strike, pet insurance helps you ensure that your companion receives the care it needs without straining your finances.

Why Pet Insurance Is a Good Idea

Your pet may be healthy now, but what about next month or next year? Illnesses, infections, and injuries happen without warning and can be costly to treat. If you don't have pet insurance, you may need to use funds earmarked for household expenses or rely on credit cards to pay veterinary bills. When you have pet insurance, your budget won't take a hit due to an unexpected bill.

Pet insurance also offers peace of mind. When you know your pet's health care needs are covered by insurance, you won't have to make a difficult decision about whether you can afford a particular treatment or procedure.

Veterinary care can be expensive, particularly if your pet is injured or has a complicated condition or illness. Even a seemingly minor problem like a stomach issue can be more expensive than you expected. According to the Healthy Paws' Pet Insurance 2019 Cost of Pet Healthcare Report, treatment of a stomach problem could cost as much as $29,000, depending on the treatment. Stomach problems were the top reason both dogs and cats visited the veterinarian based on the report's findings.

During your pet's treatment, the veterinarian may need to analyze your furry friend's blood, take X-rays or ultrasounds, perform endoscopies or surgery, or prescribe medication. Your bill increases with each test, procedure, or medication your pet needs.

Although treatment of a stomach issue could cost tens of thousands of dollars in an extreme case, most pet owners will only pay a few thousand dollars. Of course, a $2,000 bill may easily derail your budget if you don't have pet insurance.

What to Look for When Buying Pet Insurance

When you're comparing pet insurance plans, take a look at:

  • Coverage. Does the plan cover well visits in addition to accidents and illnesses? If well visit coverage is available, will you need to pay more for it? Does the policy list specific conditions and injuries that will be covered, such as cancer, parasites, broken bones, ingestion of foreign objects, etc.? Does it cover routine vaccines?
  • Exclusions. Are certain conditions excluded from the coverage? What about chronic and long-term diseases and conditions? Will the policy cover care for your pet's diabetes or hip dysplasia? In some cases, insurers may cover new illnesses and injuries, but might exclude pre-existing illnesses or chronic conditions.
  • Reimbursements. Most pet insurance plans reimburse you after you pay veterinary bills. You'll need to pay the veterinarian with cash, check, or a credit card, then wait to be reimbursed. Ask the company how long it takes to provide reimbursements and what percentage of your costs will be covered by the plan.
  • Premiums and Other Charges. How much will you pay for the coverage? Are there co-pays and deductibles? Will the premiums go up every year? Will you pay more as your pet gets older? How often are premium payments due?
  • Breed Coverage. Does the insurer cover your pet's breed? If the breed is known to have many health risks, the insurer may choose to decline coverage or not offer coverage for specific conditions.
  • Veterinarians. Can you use the insurance at any veterinary office you want? What if your pet needs to see an emergency veterinarian? Will the policy cover emergency visits to other veterinarians or trips to veterinary specialists?

If you're having trouble deciding between two plans, check out Money's list of 10 best pet insurance companies or call the veterinary office. The staff may be able to offer information about companies that offer the best coverage or promptly reimburse their clients for expenses. Contact our office if you have any questions about pet insurance or your pet's health.

Sources:

AVMA: Do You Need Pet Insurance?

Money: 10 Best Pet Insurance Companies of July 2022, 7/7/2022

Healthy Paws Pet Insurance 2019 Cost of Pet Healthcare Report

New to Clinton Hill Animal Clinic?

Sign-up to request more information!

Office Hours

Monday:

10:30 am-5:30 pm

Tuesday:

10:30 am-5:30 pm

Wednesday:

10:30 am-5:30 pm

Thursday:

Closed

Friday:

10:30 am-5:30 pm

Saturday:

10:30 am-5:30 pm

Sunday:

Closed

Phone: (718) 623-3999
476 Myrtle Ave, Brooklyn, NY, 11205, US


Location

Find us on the map

Testimonials

Read What Our Clients Say

  • "Roxy and i loved our experience with Clinton hill, and our doctor was amazing! She explained everything and answered all my questions. I highly recommend this vet clinic!"
    Amanda Hodge
  • "Always excellent professional care. Staff are empathetic towards pets and pet parents. I highly recommend this clinic. My dogs have been under care there for the past eight years."
    Frances Haile
  • "I wish there was a way to give 10 stars. It was the absolute best experience for us and our cats. The guy it the front desk I’m so sorry I forgot your name but he was extremely patient, thorough and took the time to answer every question we had. The doctor was caring and extremely knowledgeable about cats. It was the best experience 10 stars!"
    Brian Bee
  • "This place specializes in creating great relationships with owners and pets. I've been with Dr. Pamela Dendtler since 2003 ! Awesome care and service."
    Diedre Yvonne Gary
  • "To Dr Dendtler and Staff, I cant begin to tell you how impressed I am with the loving care you have given to my cat Baxter, before and after the much needed surgery. Baxter is so pleased with the outcome; he goes around purring all day."
    Thanks again. -Estelle P.
  • "Dear Dr. Dendtler, You were very thorough and caring in treating Buddy. You explained clearly how to protect my dog. I have been to many clinics but you are the best. You were very professional and compassionate. Buddy and I are very grateful. Thanks ever so much to you and your staff."
    John L.
  • "Hi Dr Dendtler, Thank you so very much for fixing my eye. I can see clearly now…I can see all obstacles in my way! Love Vernell R"
    Vernell R.

Featured Articles

Read about interesting topics

Newsletter Signup

Sign up for more articles