5 Pet Insurance Myths That Could Cost You

1. It’s Only for Sick Pets

Many owners wait until their dog is older or has a known issue to buy insurance. Unfortunately, that’s too late. Most plans won’t cover pre-existing conditions.

To maximize coverage, you should enroll while your dog is healthy — not after they need help. You’ll pay less and qualify for more.

2. Young Dogs Don’t Need It

Think your puppy doesn’t need coverage? Puppies are more likely to eat socks, fall off furniture, or catch parasites than senior dogs. Accidents happen fast — and they’re expensive.

Emergency visits can cost thousands. Coverage now protects you from surprise costs later.

3. It Doesn’t Cover Enough

Today’s top-tier plans cover up to 90% of vet bills — surgeries, diagnostics, meds, even cancer care. And many offer optional add-ons like dental, wellness exams, and behavior support.

Compare policies carefully. Start with our insurance comparison guide to see what coverage actually looks like.

4. It’s Too Expensive

Basic accident and illness plans often cost less than a weekly coffee run. For most dogs, that’s around $30–$50/month depending on breed and location. That’s a fraction of a single emergency vet bill.

5. All Plans Are the Same

• Some plans cap payouts — others offer unlimited coverage
• Some exclude hereditary issues — others include them by default
• Some reimburse within 2 days — others take weeks

That’s why shopping with a tool like Swiftest matters. You see differences upfront — and choosing based on what matters most.