Pet Insurance Explained

As the amount of money spent on pet healthcare increases steadily at an estimated rate of 40% a year, and as pets become more like family, owners are looking to spend more on their pet's health. Pet owners also want to have their pets covered by insurance.

Some basic plans start at $10 a month, while more extravagant plans cost upward of $400 a month. Since no two pet insurance plans are exactly the same, you should research each policy before making a choice that best fits your needs. The following questions are important to keep in mind when determining if pet insurance is worth the expense:

What's covered? Look over several plans from different companies before making a provider selection. Make sure the plan you choose defines clearly what is and what is not covered. For some pet owners, pet insurance is a safeguard for future catastrophes, such as sudden accidents or the emergence of a serious illness. For others, the coverage they choose applies to every vet visit, including checkups.

What's not covered? There is more to picking insurance plans then finding out what is covered by insurance. You need to also know what is not covered so you can compare plans to one another and so you are prepared when your pet needs a test or procedure that is not covered.

Are hereditary illnesses and conditions covered? If you own a purebred animal, they may be prone to a breed specific condition. For example, German Shepard's are likely to develop hip dysphasia, and Labrador's are often inflicted with eye problems.

What's the deductible? Is there a co-pay? Be sure to understand what you are expected to pay for and exactly how much. You don't want to pick an insurance that covers little if anything.

What (if any) is the age limit for a pet to be covered? The best time to purchase pet insurance is when your pet is just a puppy. As pets get older they require more care, especially later in their lives, and the premium goes through the roof or coverage no longer exists.

So who is pet insurance for? Pet insurance is best suited for pets that are young and healthy. Pet insurance is also a good investment if you:

  • Have multiple pets
  • Take in stray animals to help shelters
  • Breed dogs
  • Take your pet with you on vacation

The otherwise healthy dog. Many dogs can live long accident free lives today, but no owner can guarantee their canine companion will never have an accident such as eating a sock, swallowing a rock, or even getting hit by a car in the driveway.

How most insurances work: Unlike human health insurance, most pet insurance companies require you to pay the entire veterinarian bill at the time of service. You as the owner are then responsible to turn over itemized bills or invoices from us, your veterinarian, to the pet insurance company for reimbursement of qualified costs.

The best way to find the right pet insurance for you and your family should start with researching some reputable pet insurance companies. Ask for detailed plan information and price quotes.

Remember, pet insurance is not a necessity, and if you choose not to get insurance for your pet you are still a great pet parent!

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Office Hours

Our Regular Schedule

Monday:

8:00 am-7:30 pm

Tuesday:

8:00 am-7:30 pm

Wednesday:

8:00 am-7:30 pm

Thursday:

8:00 am-7:30 pm

Friday:

8:00 am-7:30 pm

Saturday:

8:30 am-1:30 pm

Sunday:

9:00 am-1:00 pm

Testimonials

Read What Our Clients Say

  • "Absolutely incredible service and the best veterinary experience we have ever had. Every time we visit Progressive Vet Care, we are blown away by the attentiveness, professionalism and care shown by Dr Tim and the team. Dr Tim is highly capable and we feel very confident that our dog is in his care. Dr Tim always has time and goes above and beyond in answering our questions and providing a great service. I highly recommend Progressive Vet Care. I seriously cannot think of a single improvement to this practice as everything is already so well done."
    Shavini
  • "Fantastic friendly and professional service at this practice -so glad we have found this vet!"
    Adriana
  • "Tim and the team run an amazing vet practice at Progressive Vet Care. Gus the pug nearly died when he ate a keyring last year but Tim saves his life, quite literally. We are blessed to have such a great vet around the corner and their renovated practice is beautiful."
    Pip
  • "I highly recommend Progressive Vet Care. I used to take my dog to a different vet clinic for 10 years but when my dog got very sick, I just didn’t feel right and looked for a different clinic. Thank god I found Progressive Vet Care. Dr Tim was spot on with diagnosis and he & his team did everything they could for Leo. It was a very sad experience for our family to say good bye to Leo but I was so grateful to Dr Tim for his professionalism, loving care and compassion towards both Leo and our family. I wish I knew Dr Tim 10 years ago and took Leo to this fantastic clinic from the first place."
    Shinko
  • "Our first experience with Progressive Vet Care and extremely happy. Our dog needed emergency surgery which is always stressful to hear. Dr Tim was very supportive and gave us options to consider. He saw us on short notice on a Friday night and managed to fit our dog in Saturday morning for the surgery. Highly recommend !"
    Kerrie
  • "I brought my puppy here for his first visit and the staff were so helpful and attentive. A welcoming and happy environment, glad I chose this place!
    (And thanks for the help over the phone when I had concerns about my puppy, the girls at reception are so lovely!)"
    Stefani
  • "We were so grateful to Dr Tim (Bowden) and the team at Progressive Vet Care for their care and treatment of our very special Jack Russell x in the last few weeks of her life. I discovered the practice through looking for a vet that was open on a Sunday. They also have an emergency number to talk through concerns after hours. Dr. Tim was so thorough and patient in explaining all the options. We had the best, most compassionate care I could have wished for."
    Roz
  • "If i could give 10 stars i would. Dr Tim is a miracle worker he has fixed up my little Lolly and is always super attentive and thorough. Could not recommend this place any more.
    Love it!"
    Andy
  • "Exceptional service and trust. I recommend this vet clinic to any friends who welcome a new pet into their home. They work closely with rescue groups, the vets are very knowledgeable and the team who coordinate the reception are wonderfully friendly and easy to deal with. Won't be taking my doggo anywhere else!"
    Tassie
  • ""I adopted my cat from progressive vet care, he is the most beautiful loving boy, not only did they take amazing care of him as a new born kitten, they provided wonderful health care to him and have continued with such great care of him with each of our visit, such a wonderful team""
    Katrina
  • "The experience we had with Progressive Vet Care was outstanding. Both Dr Tim and the other staff members were efficient and helpful. Also very compassionate towards our dog Millie when she was desexed and afterward care. Soon we will need to take her for her vaccinations. There is definitely no other place I will take my Millie. Well done guys and many thanks."
    Maryanne
  • "We were very happy with Progressive Vet Care. Dr Tim was very thorough and even called up four days later to check on the progress of our whippet after his treatment and advise. I am going to bring all my animals to this vet clinic in future."
    Jessica