Does Your Pup Need Insurance?

New puppies absolutely love to explore. The whole world is full of interesting smells, new people, and new things to bark at! Not all of these new things are good for a small puppy though, as anyone who has had a pup get into their chocolate stash can attest.

This is where pet insurance comes in. Just like human health insurance, pet insurance allows you the peace of mind to know that if anything goes wrong with your new pup, your pup’s medical bills are covered. But what is pet insurance, really?

What is pet insurance?

Pet insurance comes in a few different varieties, but the most common is accident insurance. You can think of this catastrophic coverage for your pup. If she accidentally eats a peach pit or gets into a tangle with a car, every pet insurance plan will cover at least part of the cost.

Pet insurance plans are different from human plans, because you can often customize your deductible (the amount you pay before the insurance starts covering costs), adjust your co-insurance rates (this is the percentage of the vet bill that you pay vs. what the insurance pays) and choose plans with or without an annual policy limit. Lower deductibles and lower co-insurance payments typically make your monthly premiums higher, but decrease the odds of a large out-of-pocket cost in case of illness or injury. Setting an annual limit can lower your monthly premium, but sets an upper limit on how much the insurance will pay out in any given year. PuppySpot has a great comparison site where you can easily adjust your deductible, annual limits, and other insurance options to see how that could affect your premium.

Pet insurance plans also have waiting periods of 15-30 days before coverage starts. We recommend signing up for your insurance plan before your pup arrives so that she will be covered from the moment she gets home, but you can also ensure older pets who are already in your home.

One other thing to keep in mind when comparing pet insurance options is that they are not required to cover wellness visits, illnesses, or preexisting conditions. This is why it is especially important to choose your plan carefully and to insure your puppy early while you know that she is healthy.

What kind of coverage should I get?

The type of coverage you get will depend on what your needs are. If you feel confident that you could cover any health-related costs for your pet, you may not need insurance at all. But for those who prefer to avoid unexpected pet-related expenses, it’s important to consider what kind of financial impact you’re willing and able to cover for your pet and insure them accordingly. If you’re able to pay for an unexpected $1,000 vet visit, then you could keep your insurance minimal, perhaps only covering injuries and hereditary illnesses. But if you’re willing to pay a bit more every month to avoid a large bill from the vet, it may be better to select a low deductible or co-payment. Luckily, pet insurance is very customizable and can be adjusted for your needs.

How do I compare insurance options?

PuppySpot has you covered! You can get a customized quote for your puppy and easily compare insurance providers, adjust policy limits, and much more.

Customer Stories: Tracy and Trixie

Tracy is a long-time dog lover who has owned several different breeds, but most recently had a Siberian Husky. Her husky was getting older, and she wanted to always have a dog in the house, so in early 2017, she knew it was time to start looking for her next furry companion.

Tracy thought fondly of the miniature poodles she had raised in the past, and decided that she wanted to go back to a smaller dog breed. She looked and looked, but couldn’t find any good breeders in her area, so she decided to expand her search online. This was Tracy’s first time finding a puppy online, and she was nervous, to say the least. When she found PuppySpot, she read customer reviews, researched the company’s background, and spent a LOT of time looking at puppies. She also spent a lot of time talking with her PuppySpot Puppy Concierge, Taylor. Taylor understood exactly what she was looking for in a new companion, and worked with Tracy until she was ready to make a decision. They worked together on and off for nearly a year, until Tracy found her perfect puppy – a Yorkshire Terrier that she named Trixie.


Yorkshire Terriers are a very small breed, and Trixie’s parents both weigh less than 5 lbs as adults. Because of this, Trixie herself was quite small and had a longer than usual wait time before she could come home to ensure that she could travel safely. PuppySpot kept Tracy up to date as Trixie was gaining ounces every week, and Tracy even had several conversations with her breeder, Barry.

Once Trixie was cleared to fly, Barry brought her to the airport and called Tracy. “Trixie’s breeder kept me updated with information from the moment he knew of Trixie’s flight departure, until I had her in my arms! Thank you, Barry for making the transition for Trixie as easy as possible”. Tracy was touched by how much Barry truly cared for her new puppy. Even now, after Trixie has been home for several months, she says she feels she can call or text Barry at any given moment with questions and he will answer.

Trixie had a long flight, but is a fastidious little puppy, and arrived clean and neat in her travel crate. She was also thrilled to meet her new family.

Trixie may be smaller than Tracy’s previous husky, but she has a big personality. “She’s actually a lot like [my Husky], it’s funny” she said, and added “She is everything, and more, than what I expected. Trixie learns easily. She is loving, sweet, and just a very neat puppy. She is the perfect fit for me.”

All of us at PuppySpot are thrilled that we were able to help bring Tracy and Trixie together, and we loved hearing how perfect they are for each other!