Unexpected vet bills are one of the biggest financial surprises for dog owners. A simple injury, illness, or emergency surgery can cost more than many people expect. This is where dog insurance comes into the picture.
But is dog insurance actually worth paying for every month, or is it an unnecessary expense? The answer depends on your dog, your finances, and how comfortable you are handling sudden veterinary costs.
In this guide, we’ll break down how dog insurance works, what it covers, what it doesn’t, real cost examples, and when it makes sense — so you can make an informed decision.