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Pet Insurance provided by Guardus Insurance Services Inc.

An unexpected and large veterinarian bill can be stressful, emotionally and financially. Pet insurance is a way to guard against paying the total cost of unexpected vet bills if your pet gets sick or injured.

What is Pet Insurance?

Pet insurance is an insurance policy bought by a pet owner that helps lessen the overall costs of expensive veterinary bills. This coverage is similar to health insurance policies for humans. Pet insurance will cover, either entirely or in part, the often costly veterinary procedures. Evaluating and comparing pet insurance plans is necessary to find the right plan for you. Human health insurance usually has a deductible, which is an out-of-pocket expense, before the coverage begins. Most providers will base the amount of the insurance premium on the average cost of veterinary care in the owner’s region. Also, the policy may not cover all veterinary procedures.

Why is it recommended to have Pet Insurance?

It ensures excellent healthcare for your pet.

Pet insurance gives you a more comprehensive option of treatments for dental issues, parasite-borne diseases, cataracts, fractures, pregnancy complications, etc., depending on your chosen policy. Pet insurance also proves to be a boon for pets that may need to use additional healthcare facilities as they age.

It keeps you from dipping into your savings.

Accidents can happen anytime, regardless of how careful you are with your furry buddy. In the event of an unexpected accident, injury, or illness, pet insurance helps with the cost of medical treatment so that you do not have to go through the stress of arranging the funds or wiping your savings clean.

It helps with expensive treatments.

Like us, pets can also go through significant illnesses, and treating these extreme illnesses can be very costly. Pet insurance allows you to give your pup the best healthcare while saving money on expensive medical treatments and hospitalization.

It offers flexibility according to your budget.

You can choose from various policies depending on your budget and pet’s needs. Some pet insurance policies also allow you to decide when you want to pay the premium, be it monthly, quarterly, semi-annually, or annually.

It also offers additional coverage.

Besides accidents and illness, some pet insurance policies also cover theft or loss of the pet, overseas travel, and third-party liabilities in case your pet causes injuries to someone else or damages their property.

Types of Pet Insurance

Accident and Illness

  • Accidental injuries (including to permanent teeth)
  • Euthanasia or anesthesia
  • Cremation and burial expenses
  • Ingestion of a foreign object (up to two treatments max per policy year)
  • Accidental death
  • Illnesses (e.g., cancer, influenza, and kennel cough)
  • Alternative medicine
  • Behavioral therapy
  • Hereditary and congenital conditions

Accident, Illness, and Wellness

It has everything covered under the Accident & Illness policy, plus fixed payment amounts for the following (not subject to deductible and annual maximum):


  • Wellness exams
  • Intestinal deworming
  • Routine dental cleaning
  • Flea and tick prevention
  • Heartworm tests and medication
  • Dietary food and supplements 
  • Prescription medications
  • Boosters and vaccinations

What is the purpose of Pet Insurance?

Pet insurance aims to minimize the overall cost of veterinary expenses to you in the event your dog or cat is injured or becomes ill. Essentially, it helps ensure you aren’t caught out financially should the unexpected happen. There is a range of pet insurance providers on the market, meaning you can compare several different policies and then choose the one that best aligns with your lifestyle, your pet’s breed, and any particular issues that may arise in the future.

Already have Pet Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.

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