How much does pet insurance cost and when can it save you thousands?

Pets are like family members. They make us laugh, comfort us when we're having a bad day, and never say no when it comes to treats. But just like us humans, they're not invincible. And when something goes wrong—an injury, illness, or damage caused—it can mean trouble not only for them but also for our wallets.

You might be thinking: "Insurance for a pet? Isn't that a bit much?" But believe it or not, nowadays it's more like basic responsibility. And your dog would probably give you a paw on it, preferring you insure him rather than having to worry about whether you can afford knee surgery.

What is pet insurance and why should you even consider it?

Pet insurance is a service that helps you cover costs associated with animal care, treatment, hospitalization, or liability for damages. It most commonly applies to dogs and cats, but some insurance companies now also allow you to insure rabbits, ferrets, or parrots.

And why is it important? Because veterinary care isn't cheap. While routine vaccinations or deworming cost just a few hundred crowns, fractures, surgeries, or complicated illnesses can climb up to tens of thousands of crowns.

For example, surgery for a dog's torn ligament can cost up to 25,000 CZK. With insurance, it might cost you only around 3,000 CZK as a deductible.

What can pet insurance include?

Modern pet insurance isn't just about "when something happens." It offers broad coverage that can be customized.

1. Veterinary care

The most basic things insurance should include:

• Treatment for illness or injury
• Surgical procedures
• Diagnostics (X-ray, ultrasound, laboratory tests)
• Hospitalization
• Prescribed medications, rehabilitation, physiotherapy

2. Liability insurance

If your dog causes damage to someone (e.g., bites a jogger in the park or runs under a bicycle causing an accident), the insurance company will cover compensation costs. This component can also be arranged separately.

3. Assistance services

Some insurance companies also offer:

• 24/7 telephone line
• Recommendation of the nearest veterinary emergency
• Organization of animal transport
• Advice in case of pet loss

4. Insurance for loss, theft, or death

Yes, even this is possible. Insurance can cover:

• Help finding a pet (advertising, search dog services)
• Compensation for financial loss in case of theft
• Costs associated with death (e.g., cremation)

How much does pet insurance cost?

The price varies depending on the species, breed, age, and health condition of the animal. It also depends on the coverage you choose and the amount of your deductible.

When does pet insurance really pay off?

• You have an active or older dog who runs, jumps, or does sports – the risk of injury is higher.
• Your breed is prone to hereditary diseases (e.g., pug, bulldog, labrador).
• You have children at home – dogs often get more excited, and an unwanted accident can happen quickly.
• You want peace of mind that you won't have to deal with finances at the last minute.
• You travel frequently – some insurance companies offer coverage abroad as well.

What to watch out for when choosing insurance?

Before signing, it's good to go through a few important points:

Check:

• Waiting period – usually 30 days, during which the insurance is not yet "valid."
• Insurance exclusions – genetic defects, congenital diseases, or incomplete vaccinations may not be covered.
• Coverage limits – some insurers cover a maximum of, for example, CZK 30,000 per year.
• Owner's obligations – you must follow the vaccination schedule, preventive check-ups, etc.

Tip: Calculate your return on investment

Try calculating how much insurance would cost you per year and compare it with common veterinary expenses:

• Vaccination: CZK 600–1,000
• Fracture: CZK 10,000–25,000
• Tumor: CZK 15,000–40,000
• Dental procedure: CZK 3,000–8,000

Even one major procedure can make insurance a lifesaver – not only for your pet but also for your savings.

Summary: Pet insurance is a small investment with a big impact

It may sound like an advertisement, but it's true: pet insurance can save your wallet – and your beloved pet's life. For just a few hundred per month, you gain the peace of mind that if something goes wrong, you won't have to choose between your love for your pet and your bank account balance.

And let's be honest – your pet would love you anyway, even without insurance. But you'll feel much better knowing you're prepared for anything.

Looking for specific insurance offers for dogs and cats? I'll prepare a comparison of insurance providers, including reviews and tips on how to save money. Just get in touch!