Pet Medical Insurance coverage is being used for a French Bulldog’s vet visit.

Consider purchasing pet insurance

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Pet Medical Insurance coverage is being used for a French Bulldog’s vet visit.

No pet owner wants the stress of a sick pet or unanticipated bills. Fortunately, pet medical insurance can help with those unexpected costs.

Your pets are an important part of the family. They're with you from those big life moments to everyday adventures. And nothing matters more than protecting those you love. Whether you're a new or seasoned pet owner, pet medical insurance can help you prepare for the unknown. Read on to learn more about the benefits of considering pet medical insurance for your best friend.

How pet medical insurance can help your pet for the long-term

Pets get sick too

No matter the season, pets get sick — even the healthy ones. And sometimes more care is needed than expected. For example, if your new puppy gets into something they shouldn't, they may need hospitalization and testing. Or maybe Zazzy, your Siamese cat, developed a urinary blockage that requires surgery. Fortunately, if you have pet medical insurance, you can help your best friend get the care they need without depleting all your savings or dipping into new lines of credit.

To help protect your pet and your wallet, consider purchasing pet insurance the day you bring your dog or cat home. Starting and maintaining a policy when your pet is young and healthy — with less pre-existing conditions — will help ensure greater access to available benefits over their lifetime. 

Life happens

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Take care of bow-wows and meows.


You might budget for many of your pet's needs like vaccinations and heartworm prevention, but what if something unexpected comes up? When you have a new puppy or kitten — or perhaps you've adopted a dog or cat who's a few years old — the unknown can happen at any time. An accident at the park could result in a trip to the hospital with thousands of dollars in veterinary care. And with inflation on the rise, veterinary care is getting more expensive.

Many owners may choose to open a pet health savings account to help with those unexpected veterinary bills. While a pet savings account can be helpful for routine and preventative care, it's not always the safest bet when thinking about the things you can’t plan for. It's hard to predict what will happen to your pet — or when. Even if you put away $50 into a pet savings account every month, what happens if your pet has a $1,000 issue during the second month of saving? Because of this uncertainty, a pet savings account might not be the right move when you're looking for help with unexpected costs.

Fortunately, pet medical insurance can help you plan for the future and deal with any unexpected medical costs that may arise. For instance, if your dog or cat needs hospitalization, surgery, or medication, your pet's medical insurance can help with the bill while you focus on your pet.

Possibly extend your pet's life expectancy

With pet insurance, medical treatment for cats and dogs is much more accessible. Pet parents are often expected to immediately pay the full price of their vet bill, and sometimes even prior to receiving treatment. Without assistance from a pet medical policy, things like diagnostic tests, surgeries, medications, hospital stays, and prosthetic devices can quickly eat up a pet parent's budget. This often scares pet parents enough that they may hesitate about taking their pet to the vet.

Pet insurance helps your pet get the care they need as often as they need it, from the vet you trust — and that’s why Trupanion insured pets live longer, happier lives.*

Pets are family

At the end of the day, your pet is a part of the family. If your pet does become sick or injured, you want to help them get the care they need so they can live a long and healthy life. Whether you recently brought home a new puppy or kitten, or adopted an older dog or cat, it's never too late to consider medical insurance for your pet.

Unexpected veterinary care can take a toll on your bank account. But by preparing for the unexpected with pet medical insurance, you might feel better knowing that your pet will get the coverage they need when they need it most. Contact your State Farm® agent today to discover how a Trupanion Pet Medical Insurance policy can help be there throughout your pet's life.

*Based on a November 2020 Trupanion study analyzing third party hospital claims data comparing pets insured with a Trupanion policy to pets without a Trupanion policy.

Pet insurance products are underwritten in the United States by American Pet Insurance Company and ZPIC Insurance Company, 6100-4th Ave. S, Seattle, WA 98108. Administered by Trupanion Managers USA, Inc. (CA license No. 0G22803, NPN 9588590). Terms and conditions apply, see full policy on Trupanion's website for details.

State Farm Mutual Automobile Insurance Company, its subsidiaries and affiliates, neither offer nor are financially responsible for pet insurance products. State Farm is a separate entity and is not affiliated with Trupanion or American Pet Insurance.

The information in this article was obtained from various sources not associated with State Farm® (including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates). While we believe it to be reliable and accurate, we do not warrant the accuracy or reliability of the information. State Farm is not responsible for, and does not endorse or approve, either implicitly or explicitly, the content of any third-party sites that might be hyperlinked from this page. The information is not intended to replace manuals, instructions or information provided by a manufacturer or the advice of a qualified professional, or to affect coverage under any applicable insurance policy. These suggestions are not a complete list of every loss control measure. State Farm makes no guarantees of results from use of this information.

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