These Adorable Small Dogs Are Just the Right Size for Your Family
Family Needed To Care For Sweet Dog With Eye Injury
LANSING, Mich. (WLNS)– Meet Durian, a 90-pound boy who is big, beefy and so sweet!
Durian arrived at the Ingham County Animal Control and Shelter from another to help him with eye surgery. The shelter says Durian needs a family who will give him the space to recover from surgery. He can't see out of it now so he won't miss it when it's gone!
Ingham County Animal Control and Shelter
The shelter says he is a good sport but tends to get pretty grumpy with the medical care. He loves snacks and will make the trip to the vet a little better.
He is vaccinated, microchipped, and will be neutered before his adoption is finalized. His adoption fee has also been sponsored by Empire Motors of Lansing. You may also inquire about him by visiting ac.Ingham.Org or calling 517-676-8370.
Copyright 2025 Nexstar Media, Inc. All rights reserved. This material may not be published, broadcast, rewritten, or redistributed.
For the latest news, weather, sports, and streaming video, head to WLNS 6 News.
9 Considerations Before Bringing A Pet Home In 2025
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Adopting a new addition to your family can be a joyful experience that enriches both your life and the life of your new furry friend. But welcoming a pet into your home also takes thoughtful consideration and preparation to make sure it's a good fit. From finances to the amount of space in your home to choosing an online pet pharmacy like Allivet, it's a decision that requires a lot more thought than you may realize.
But once you do the necessary research, you set yourself up for success by level-setting expectations and preparing for unexpected scenarios. Being prepared will make pet ownership easier, so there's more room for loving and caring for the new addition to your family.
Here are 9 things you need to consider before bringing a new pet home:
1. A pet is a lifelong responsibility, not a seasonal impulse
The average lifespan of common pets
Many factors, including breed, size and quality of care, play a role in a pet's life expectancy. Routine visits to your veterinarian, along with the use of prescription pet medications from an online pharmacy like Allivet, are among the most important factors in increasing the longevity of your pet.
Daily care, attention and time are required
Feeding pets on a strict schedule is crucial since they require much more attention than you may have realized. Dogs need to be walked every day, while cats and other pets should be regularly engaged.
In addition to their physical needs, pets require emotional support and companionship, which necessitates quality time spent with them daily. Altogether, you may find yourself dedicating hours each day to feeding, bathing, exercising and cleaning up after your new companion.
This time commitment can be challenging, especially if you lead a busy lifestyle, potentially leading you to explore options like an online pharmacy for pet medications.
Pets can significantly impact lifestyle decisions
Adopting a pet will have a major impact on your life in ways both big and small. Travel plans may require changes, as not every hotel or rental property will allow pets. You will need to consider travel options that accept pets.
Housing is a big part of it, too. Most lease agreements will have pet policies, meaning you will need to seek out housing opportunities that allow pets.
Pets have a major effect on social lives as well. In fact, 78% of owners say they've made new friends through pet-related activities, and 71% consider their pets as part of the family. This bond can help relieve stress and increase happiness.
2. Evaluate the financial responsibility of pet ownership
Pets Come with a Variety of Expenses That Add Up Over Time
There are substantial ongoing costs associated with pet ownership, extending far beyond the initial adoption fee. With the rise of pet pharmacy services, pet insurance is becoming increasingly popular, making it easier to cover the costs of unexpected medical procedures.
Additionally, training, like everything else, carries a significant financial barrier. You can hire professional trainers or invest in training materials to maximize your investment.
If you frequently travel, it's important to factor in costs for pet sitting services or boarding. These unexpected expenses, including emergency medical treatments and specialized dietary needs, can really catch pet owners off guard.
Tips on Budgeting for a Pet, Including Setting Aside Funds for Unexpected Expenses
Creating a budget specifically for pet ownership is a wise strategy to help you manage costs effectively. Begin by evaluating various spending categories such as food, grooming, veterinary care and pet medication, including any upfront expenses.
Set aside a realistic percentage of your monthly income for unexpected costs and plan for emergencies where your pet may require additional treatment or prescription medications. Also, don't forget to account for seasonal expenses like holiday gifting and travel arrangements with your pet.
Allivet Can Help with Affordable Pet Care Essentials and Medications
Allivet has a wide selection of pet care essentials at affordable prices to help make pet ownership more financially responsible.
From high-quality pet food to grooming supplies, Allivet offers products that fit every budget. It's pretty easy to stock up on important pet medications for common health conditions, ensuring that it's affordable to keep your furry friend happy and healthy!
Together, these benefits make using an online pharmacy like Allivet a more convenient and cost-effective option that delivers savings straight to your door. Thanks to competitive prices and convenient home delivery, keeping your furry friend healthy is less of a hassle.
3. Is your home pet friendly?
Ensure your living space is safe and suitable for a new pet
As you get ready to bring a new furry friend into your life, you should put safety at the forefront. Here's how to make your new furry friend feel at home.
Start by making a list of safety precautions to take. Take inventory of potentially toxic plants in your home, such as lilies and poinsettias. Getting rid of or moving these plants is not only the right thing to do, it's smart.
Tuck away and secure loose wires and cords, as interested furry friends may chew on them, leading to household disaster.
Give your pet a private place to sleep. Give them their own bed or designated sleeping area. Provide a safe play area stocked with stimulating toys and activities for them to discover and explore!
It's also crucial to examine your home for any potential hazards. Small items that can cause choking, like batteries or coins, should be stored out of reach. Chemicals and cleaning products must be kept in cabinets with childproof locks.
Setting clear boundaries in your home can be beneficial, and using baby gates is an effective way to keep pets away from hazardous areas. Consider exploring an online pharmacy for pet medication to have essential supplies readily available as your pet settles in.
If you already have a pet and plan on adding a new family member to your space, it might be smart to keep them in separate spaces for at least a week before allowing them to meet. Dogs, for example, can be territorial in their homes and around food. It's difficult to know how they'll react — so talk to a vet or trainer about keeping your new furry friend separate as they get more comfortable.
Considerations for renters, such as pet-friendly leases or additional fees
Renters have added difficulties when introducing pets into their residences. If you're leasing a home, double-check that it's pet-friendly by reading the terms. Inquire about any pet size or breed restrictions, as these may differ.
Look out for other fees associated with having pets, including pet deposits or monthly fees. Making sure you know what your landlord's pet policy is and communicating openly with them is key here. They can offer guidance on what is permissible and protect against misinterpretations down the line.
Additionally, it's a good idea to look into the availability of local pet services. Whether you can easily access parks or a veterinary clinic can greatly affect your quality of life with a pet day-to-day. Being close to these amenities can improve your pet's quality of life and your quality of life.
Important Facts about Buying Pet Medication Online
When buying pet meds online, be cautious. It can be more convenient and often less expensive, but the danger posed by counterfeit drugs is significant.
While some online pharmacies, like those certified through the Verified Internet Pharmacy Practice Sites (VIPPS) program, are likely legitimate, a shocking number are not. As an example, some online pet pharmacies have come under scrutiny in the past for counterfeit drugs, emphasizing the importance of being cautious.
Choosing a pharmacy that is certified, like Allivet, means they are more likely to follow the highest level of safety and quality standards. Be sure to always read the directions closely and talk to your veterinarian when in doubt.
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4. Choose the right pet for your lifestyle
Different pets suit different households and lifestyles
When deciding on a pet, it's crucial to consider their activity level, grooming needs and space requirements. High-energy dogs, such as border collies and huskies, demand significant exercise and are better suited for active families.
For those with limited time or space, a cat or fish may be a more appropriate choice. Providing the right pet in accordance with family dynamics can be incredibly rewarding, as it teaches children responsibility and offers unmatched companionship.
Additionally, understanding each pet's individual needs and how they will fit into your household can help prevent future issues. For example, a dog breed like a German Shepherd may require extensive training and exercise, which might not align well with a more sedentary lifestyle.
Consider exploring options at an online pharmacy to find the right pet medication and products to support your new companion's health.
Factors to consider: activity levels, family dynamics, and personal schedules
Begin by evaluating the energy levels of your home. Are you home most of the day, or are you out running errands? This will help you select a pet that will do best in your lifestyle.
Second, consider family dynamics, including any children and other household pets, to get a better idea of where the new pet will fit into the family. Certain breeds of cat known for affectionate temperaments could be the perfect fit for a busy home.
Finally, consider individual schedules and make a chart to compare how much time each family member can devote to pet care. A dog, for example, relies on frequent social interaction and should not be left alone at home for longer than four hours. Ensure that someone is available to meet these demands, especially if you plan to purchase pet medications or other pet products.
Research and consultation before choosing a pet
Research various breeds of animals to learn about their needs, temperaments and compatibility with your lifestyle. Understanding the lifespan of pets — for example, cats can live 13 to 17 years — is crucial.
When choosing a pet, consider your lifestyle, including your activity levels and living space, to find the perfect match. Some dog breeds, such as Poodles, may produce fewer allergens, benefiting those who are allergic. Consulting with veterinarians or other pet professionals can provide insights into pet medication options and help you choose the ideal pet to fit your daily routine and living environment.
5. Decide whether to shop or adopt
Whether to adopt from a shelter or buy from a breeder is an important decision. Both options have some unique advantages and things to think about.
When you adopt a pet from a shelter, you're saving two lives. You save the life of the pet you adopt, and you open up space for another homeless animal. If you do choose to shop instead of adopt, please do your research. If you buy from a breeder, ensure they are reputable and ethical.
Adopting from shelters versus buying from reputable breeders
You are giving these animals a permanent, loving home where they can thrive. Shelters ensure pets are up-to-date on vaccinations and receive necessary medical attention before adoption. It's important to be aware that pets may have behavioral issues you might not know about.
When adopting, knowing the health history of a pet, including vaccination history and past medical care, is essential for both adoption and shopping for pet medications from a reliable online pharmacy.
The importance of choosing ethical breeders
When selecting an ethical breeder, several key factors should be considered:
If you shop, take great care to make sure you choose an ethical breeder. Pet stores or backyard breeders may not be ethical. Checking a breeder's credentials and making sure they provide health guarantees helps safeguard both you and the animal.
There are certainly special rewards and challenges that come with adopting senior dogs. By adopting a pet, you provide companionship, less energy and set behaviors. Senior dogs are sometimes overlooked due to assumptions that they have health issues or are hard to train. These animals can be well-trained and healthy with the right care.
Essential supplies for senior dogs include:
Make your home a safe, cozy place for an older dog to thrive. Ensure homes are easily navigated, including ramps in place of stairs and non-slip surfaces to avoid falls.
6. Plan for parasite protection
Protecting your pet from fleas, ticks and other parasites
To protect your pet from harmful parasites like fleas, ticks and heartworms, it's essential to act promptly. Begin by equipping yourself with the proper knowledge to help you navigate this multi-step process.
You'll need to decide on the best approaches, which include using both prescription medications and over-the-counter flea, tick and heartworm preventatives as soon as your pet is old enough. Your local veterinarian will know the product that works best for your local area, so you should consult with them about specific brands.
Knowing the signs of an infestation is equally important. Common signs of infestation are severe itching, and you may see fleas or ticks on your dog's skin. Your veterinarian can help with early detection and prevention.
To help keep your home free of parasites, frequently vacuum and wash pet bedding. Additionally, secure hazardous materials and limit outdoor exposure to reduce the risk of infestation. Even indoor-only pets need year-round prevention since parasites can easily hitchhike into your home on clothing or other pets.
Affordable parasite prevention options through Allivet
Allivet has a wide selection of affordable parasite-prevention products. It's more affordable than you think to protect your pet.
Sit back and savor the pleasure of online ordering. Allivet's competitive pricing allows you to save money and receive expert advice to help you make the right choices. Be sure to choose the product that's right for your pet, taking into account their age, weight and lifestyle to provide the best protection possible with trusted brands like Simparica Trio, Nexgard, Heartgard and Bravecto.
Never forget, prevention takes year-round vigilance. Despite mild winters, some ticks thrive in colder weather, so keeping your pet on prevention all year is crucial. This will help keep your herd healthy and protect them from the discomfort and health risks parasites can introduce.
7. Prepare to train and socialize your pet
Welcoming a new animal into your home means committing time to train and socialize your new pet. In the beginning, your pet may require greater supervision while they're adjusting and learning the expectations of their new space. Additionally, understanding where to find pet treats and training products, such as those from a reliable online pharmacy, can be crucial for your pet's health. Here's what you need to know about training and socializing your pet.
Pets require training to become well-behaved and happy
Training is often the most important step to achieve a peaceful home. Begin with simple commands such as "sit," "stay," "come," and "leave it." These behaviors are the building blocks of basic obedience. Establish a training routine by setting specific times each day for practice, using positive reinforcement such as treats or praise. Be patient as your pet is learning.
Prepare to address basic behavioral problems like pulling on the leash or barking a lot. Tackle these with proven techniques. For leash pulling, teach your pet to walk on a loose leash, giving them praise and treats when they walk near you without pulling. If your pet barks, find out what triggers their barking and train them to have a "quiet" command to control barking.
Obedience training, crate training and leash manners
Obedience training goes beyond sit, stay, and come; it strengthens the bond between you and your pet, creating a foundation of trust and respect. Additionally, crate training provides your pet a safe space, which is beneficial for house training and travel. Meanwhile, practicing leash manners ensures pleasant walks for both you and your dog, eliminating pulling or other unwanted behaviors.
Healthy socialization with other animals and humans
Socialization is important in helping your pet feel at ease around different people, pets and environments. Get involved in social opportunities such as puppy playdates or meeting your neighbors on dog walks. Be careful with dog parks; they can overstimulate your pup, particularly if it is under five months old or adolescent. The key is a lot of controlled and positive interactions.
Healthy socialization helps with anxiety and promotes better behavior. A properly socialized pet will not freak out when taken into new environments. Introduce your pet to new environments gradually, starting with quiet places and then advancing to busier locations. Arrange alone time to avoid separation anxiety.
Tips for consistency and positive reinforcement
Reward desirable behavior with positive reinforcement. Treats, toys and praise can go a long way. Set a schedule for meals, exercise and training. Establishing a routine allows your new pet to feel safe and understand what to expect. Use the same word or phrase each time for the same action, so you don't confuse your pet.
Young puppies can be very shy, and the more they are handled by a wide variety of people, the more confident they will be. Keep in mind, the critical learning window for dogs is between 3 weeks and 20 weeks. Continue to socialize your dog through their first year, and you'll help them grow into well-adjusted adults.
8. Ensure access to vet care for your new pet
Introducing a new pet into your home is a wonderful adventure, and providing them with a lifetime of health starts with an initial wellness visit. The most efficient way to find a good vet in your new area is to ask friends for recommendations.
Regular veterinary visits are essential for a pet's health and wellness
Regular check-ups are the best way to get an overall picture of your new pet's health. As you make regular visits to your veterinary office, your vet will have a detailed list of vaccinations and can recommend preventive treatments that are key to your new pet's long-term health.
Vaccinations are an important part of caring for your pet and will protect against rabies, distemper, and other deadly diseases that can keep your pet healthy.
Spaying or neutering your pet may prevent many health issues. Spay/neuter decreases the number of unwanted litters, resulting in a healthier pet population in your community. It may also reduce aggression and other negative impulses.
Retain a complete copy of your pet's medical records, including any pet medication, which provides you with fast and accurate answers when emergencies happen.
How to find a trusted local veterinarian
Choosing a vet requires looking for important qualities, including experience, credentials and communication skills. Personal recommendations from friends, family, or local pet owners can help point you to well-reviewed veterinarians in your area, especially those associated with a reputable pet pharmacy. Consider scheduling meet-and-greet consultations with potential veterinarians to evaluate their facilities, staff and atmosphere, ensuring they can provide the best pet medication for your furry friend.
Allivet offers convenient access to pet prescriptions and medications prescribed by licensed vets
Online pet pharmacies such as Allivet provide an easy, effective way to stay on top of pet health needs. They help ensure access to life-saving pet medications, including flea preventatives, heartworm treatments and joint supplements.
Safe and healthy pet ownership starts with having a licensed vet available. They know how to prescribe the right medications customized for your pet's unique needs. Online access helps simplify one of the most stressful parts of pet ownership. This efficiency saves busy pet parents a whole lot of time!
9. Staying compliant with veterinary compliance when using Allivet
Allivet Makes It Easy to Adhere to Veterinary Guidelines
Allivet makes getting pet medication easy while promising to ensure compliance with veterinary regulations. The advantages of using Allivet include convenience and peace of mind, knowing you're working toward adhering to your vet's prescriptions.
By enrolling in AutoShip with Allivet, you receive automatic deliveries of both OTC and Rx medications. This subscription service is designed to save you money on each order and offers free delivery on approved purchases. The user-friendly pharmacy website simplifies the ordering process, and you can always expect attentive customer service along with convenient automatic reorderings set up for you without any strings attached.
Ordering medications through Allivet is straightforward. To start, select the medication you need directly from Allivet's website. The next step involves entering your vet's contact information, allowing Allivet to verify the prescription is valid. They ensure compliance by contacting your pet's veterinary office the same day you place the order during business hours.
Furthermore, Allivet checks in every two business days to ensure everything is progressing smoothly. This commitment to veterinary compliance is crucial for keeping your pet healthy and avoiding any potential issues.
Maintaining Up-to-Date Prescriptions and Veterinarian Instructions
Keeping your pet's prescriptions up-to-date is crucial for several reasons, including ensuring that pet medication treatments work efficiently and preventing health complications. This ultimately contributes to helping pets live longer, healthier lives.
For instance, Allivet's AutoShip service has led some pet owners to report improved compliance with their pet's medication regimen. To ensure you're following your veterinarian's instructions properly, clarity and understanding are essential. By communicating clearly with your veterinarian about dosage, frequency, and possible side effects, you'll maximize the effectiveness of prescription medications.
Neglecting to update prescriptions or follow veterinary guidance can lead to missed doses, ineffective treatment and increased health risks for your beloved pet.
The Convenience and Cost Savings of Ordering from Allivet
Allivet provides many benefits when compared to local or chain pet pharmacies, especially with its competitive prices on pet medications. You'll enjoy convenient 24/7 shopping through their website, which features a massive selection of pet products and home delivery service. These features offer more than just added convenience; they provide the opportunity to save money on your pet medication and veterinary supplies versus local retailers.
Conclusion
The love and happiness a pet brings is immeasurable, but being a pet owner requires serious commitment and preparation.
Consider the costs and ensure your potential home is welcoming to pets to set the stage for your pet's contentment. Picking the right pet and making the right decision to shop or adopt will go a long way toward helping you have a positive experience.
Keep in mind that pets need parasite protection, training, socialization and regular veterinary care. By following this advice, you can use an online pet pharmacy such as Allivet to make choices that comply with your veterinarian's recommendations.
Thinking about making a furry friend part of your family? Take that first step confidently and fill your life with the unconditional love of a pet companion.
This content is provided for informational purposes. Always consult a veterinarian for medical advice regarding your pet.The publisher does not endorse or evaluate the advertised products, services or companies, nor any of the claims made within this content and does not accept any responsibility or liability for it. Readers are encouraged to review the terms of service of any service provider carefully.
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5 Common Pet Insurance Myths — Debunked: The Truth About Cost, Coverage And Exclusions
There's a good chance you know someone who faced a sudden $3,000 vet bill. Maybe that someone was you. As medical care costs for our four-legged family members continue to climb — up 6.2% in 2024 alone — pet insurance offers a way to protect both your pet and your wallet from those budget-busting surprises. Yet only about 4% of U.S. Pet owners currently insure their pets, often due to persistent myths about how these policies work.
From feeling that pet insurance isn't worth the premium to worrying that pre-existing conditions could bar coverage, these issues keep many pet parents from exploring insurance that could save them significant money, especially with the average emergency vet visit now costing anywhere from $200 to several thousand dollars.
So if you're feeling nervous about the cost of pet insurance, learning how these policies work helps you make smarter choices for your playful kitten, adventure-loving dog or senior pet needing extra care.
We debunk the most common myths about pet insurance — and look at when coverage makes sense for your furry family members.
In this guide Myth #1: Pet insurance isn't worth the moneyThe monthly pet insurance premium you pay might feel like an unnecessary expense when your furry friend is healthy. But with veterinary costs continuing to rise, one unexpected incident could result in draining your emergency fund or maxing out your credit cards.
"Pet insurance is something you'll be relieved to have if you ever need to use it," says Dr. Kristen LaCroix, a doctor of veterinary medicine specializing in emergency care. "I've diagnosed six-month-old pets with lymphoma and performed countless surgeries on pets under three years old. Those $8,000 emergency surgeries don't only happen to senior pets."
And it's not just older pets that can get into accidents, LaCroix adds, "it's the one-year-old pup running around full of life."
Only 32% of pet parents say they can cover emergencies with their savings, reports a recent MarketWatch survey, while 43% say they'd pay for the expense using credit cards or loans. That's because most vet clinics require you to pay for services upfront, which can leave you in a tight spot when facing an emergency and cash isn't readily available.
What you might pay for common pet medical conditions
Condition
Average cost
Prevalence
Skin conditions
$200 to $2,500
• Number 1 in dogs (32% of claims)
• Number 3 in cats (11% of claims)
Stomach and digestive issues
$1,600 to $5,000
• Number 2 in dogs (19% of claims)
• Number 1 in cats (26% of claims)
Ear infections
$100 to $850
• Number 3 in dogs (11% of claims)
• Number 10 in cats (4.8% of claims)
Eye problems
$700 to $2,000
• Number 4 in dogs (7.8% of claims)
• Number 6 in cats (7.2% of claims)
Heart conditions
$1,500 to $2,500
• Number 5 in dogs (6% of claims)
• Number 5 in cats (9.3% of claims)
Urinary tract issues
$450 to $5,000
• Number 9 in dogs (4.6% of claims)
• Number 2 in cats (13% of claims)
Cancer
$3,000 to $5,000
• Number 6 in dogs (5.5% of claims)
• Number 9 in cats (5.8% of claims)
Source: Healthy Paws Pet Insurance
Owners among the 125 million U.S. Households that include pets paid $38.3 billion in total for vet care in 2024, according to the American Pet Products Association.
Meanwhile, 87% of pet owners with insurance plans say they pay less than $70 monthly for their policies, with 47% of those owners saying they pay under $40 a month — or $480 a year — less than what you might pay for coffee or food delivery.
The real value of pet insurance goes beyond your finances. When faced with a serious medical decision for your pet, the last thing you want is to make that choice based solely on what's in your bank account.
Dig deeper: 21 clever ways to save money: Smart strategies for earning, spending and boosting your bottom line
Myth #2: Most vets don't accept pet insurancePet insurance works differently from human health insurance — you don't need to worry about finding in-network providers or confirming whether a vet accepts your insurance plan. Instead, most pet insurance companies use a reimbursement model, which means any licensed vet or specialist can treat your pet.
For standard pet insurance reimbursement:
You visit any vet. Your provider doesn't need to interact with your pet insurer.
You pay for services up front. You can cover the bill using cash or credit.
You submit your claims. Upload your invoices and medical records through your insurer's app or portal.
You get reimbursed. Most companies pay 70% to 100% of covered costs within two to 14 days.
This system gives you flexibility to choose clinics, specialists or emergency hospitals without worrying about whether they'll accept your pet insurance policy.
However, this reimbursement model isn't without faults. Vet clinics typically require upfront payment, with bills averaging a few hundred dollars to $5,000 or more for urgent issues and surgeries. This process could be a financial barrier for pet owners who don't have sufficient emergency savings. While traditional pet insurance reimburses you later, a growing number of providers now offer same-day claims approval to bridge this gap — for example, Lemonade advertises rapid repayment in as little as 48 hours.
⌛ We asked a veterinarian: Why does approval time matter for pet insurance?
Quick approval matters when an emergency happens at 2 a.M. For example, say a dog gets hit by a car, requiring $4,000 in immediate stabilizing care. Without fast-approval insurance, the owner would need to pay that full amount out of pocket and get reimbursed later.
But not everyone has that sort of money in their bank account. With the right insurance policy, the owner only needs to cover certain fees while their insurance handles the rest. These situations can mean the difference between life-saving treatment and heartbreaking choices.
— Dr. Kristen LaCroix, DVMEmergency Relief Veterinarian
While fast approval allows you to focus on your pet during an emergency, other policy details matter in the long term. For example, some plans cap annual payouts at as little as $5,000, which can fall short for chronic illnesses like cancer.
That's why you should look for a policy that offers:
High limits. Choose unlimited annual coverage or at least $15,000 or more per year. This helps you avoid maxing out your benefits if your pet needs multiple surgeries or ongoing treatments.
No condition limits. Avoid policies that cap spending on specific health issues. Some plans limit coverage to $2,000 per condition, which won't go far if your pet develops diabetes or needs long-term medication.
Lifetime protection. Select coverage that continues year after year for ongoing conditions. Some policies stop covering chronic issues after the first year, leaving you to pay for medications or treatments out of pocket for the rest of your pet's life.
Clear approval process. Look for insurers offering fast claims decisions, ideally within 24 to 48 hours. This helps you make quick decisions about your pet's care during emergencies without worrying about delayed reimbursement.
Picture this: You finally adopt that squishy-faced French bulldog puppy you've been dreaming about, only to learn they're prone to breathing issues that could cost thousands to fix. Or maybe your child talked you into getting a hedgehog, and now you're staring at exotic vet bills for quill mites you didn't even know existed. It's easy to assume insurance for these pets is either unavailable or wildly expensive — but that's not entirely true.
While breed and species do impact costs, coverage is far more accessible than most owners realize. Frenchies, now America's most popular dog breed, typically face higher insurance premiums than mixed breeds, but many pet insurers provide affordable coverage that won't cost you an arm and a leg.
💡 We asked an expert: Why you shouldn't wait to insure your pet
I recommend insurance to all my patients. Don't wait until you have a problem to get insurance — get your pets examined when they are healthy. Once something is in a medical record, typically that leads to an exclusion in coverage.I strongly recommend insurance for pets that have higher predispositions for needing further vet care. For example, dog breeds like the French bulldog, English bulldogs and Cavalier King Charles spaniel have a higher rate of certain diseases than others.Pets that are young and old can experience accidents, injuries and illnesses that require veterinary care. Having health insurance ensures that you can provide the necessary treatment without worrying about the cost. It gives you peace of mind and allows you to focus on your pet's well-being rather than the financial burden.
— Dr. Sarah Gorman, DVM, CCRPManaging Veterinarian, Small Door Veterinary, New York
While fewer insurers offer policies for exotic pets, it isn't difficult to find one. Plus, the cost of exotic pet coverage often runs lower insurance for a cat or a dog, with monthly policies typically costing $8 to $21, according to Nationwide. This makes sense when you consider that the average vet visit for an exotic pet costs between $70 and $250.
Beyond dogs and cats, these are some of the pets you can typically insure:
Birds — including parrots, finches and cockatiels
Reptiles — like bearded dragons, geckos and snakes
Small mammals — rabbits, ferrets and guinea pigs
Some amphibians — certain frogs and salamanders
Keep in mind that exotic pet policies may cap annual benefits at lower amounts than dog or cat plans. And you could find there are more coverage exclusions for species-specific issues. For example, a policy for your bearded dragon might cover accidents and illnesses but exclude common issues like metabolic bone disease. Similarly, coverage for birds typically includes accidents and sudden illnesses but might exclude behavioral issues or feather picking.
Even with higher premiums for specific dog and cat breeds or coverage limitations for exotic pets, having an insurance policy can save you from unexpected vet bills while getting your pet the care it needs.
Myth #4: My pet has pre-existing conditions, so no insurance will cover itJust because your pet has a pre-existing condition doesn't mean insurance won't help with future medical costs. While insurers won't cover conditions diagnosed before enrollment, your policy should protect you against new illnesses and accidents.
Here's how pre-existing conditions actually work:
New, unrelated health issues get full coverage regardless of pre-existing conditions.
Curable conditions like ear infections often become eligible for coverage after six to 12 months without symptoms.
Chronic conditions like diabetes diagnosed before enrollment may be excluded from coverage.
Let's say your dog had a skin infection last year that cost $400 to treat. While that specific condition might be excluded initially, your pet would still be covered if they:
Break a leg ($2,000+)
Swallow a toy requiring surgery ($1,000+)
Develop allergies ($500+)
Need cancer treatment ($3,000+)
Certain breeds may face other limitations. For example, German shepherds, often prone to costly hip problems, might face breed-specific exclusions. Similarly, French bulldogs are known for having breathing issues that could require surgery, which some policies exclude as a breed-related condition.
What insurers consider when reviewing pre-existing conditions:
Whether the condition is curable or chronic
How long your pet has been symptom-free
The connection between past and current issues
Your pet's complete medical history
Pro tip from Dr. Bethany Hsia:
Don't assume that the most expensive insurance is the best. This is a competitive, growing market, and sometimes the newer companies have more affordable rates.In general, pet health insurance is most affordable when pets are young, and it increases as they age. While insurance is helpful at all ages, it's most expensive for pets that are older or have medical issues. Typically that's when they need insurance the most, because it covers the cost of more expensive lab testing or more advanced imaging or procedures.
– Dr. Bethany Hsia, DVMCofounder, CodaPet, California
That's why timing is key – the sooner you enroll your pet, the fewer pre-existing conditions they'll have on record.
Dig deeper: 5 smart moves after you've hit $10,000 in savings
Myth #5: Pet insurance covers all routine and preventive careOne of the most common misconceptions about pet insurance is about what these policies actually cover. Many pet parents believe their insurance automatically includes everything from routine checkups to emergencies.
However, standard pet insurance policies typically focus on unexpected accidents and illnesses rather than preventive care. Wellness plans, on the other hand, typically focus on preventive care.
Standard pet insurance typically covers:
Standard wellness plans typically cover:
Annual checkups
Vaccinations
Dental cleanings
Flea and tick prevention
Spaying and neutering
Grooming
At a glance: Wellness plans vs. Pet insurance
Wellness plan
Pet insurance
Covers routine care, including exams and vaccinations
Covers accidents and illnesses, including surgeries and ER visits
Might be limited to specific clinics
Typically accepted by any licensed veterinarian
No waiting periods
Waiting periods of 14 days to 6 months
Costs $20 to $60 per month on average
Costs $30 to $70 per month on average
"Pet health insurance works differently from wellness plans," explains Dr. Kristen LaCroix, DVM. "I've seen pet owners paying $200 monthly for wellness plans thinking they're fully covered. Then their pet needs a $4,000 surgery, and they're shocked to learn their plan doesn't help."
Some insurance providers offer wellness coverage as an optional add-on for an average of $10 to $30 extra per month, according to Progressive, which adds preventive care coverage that helps with routine expenses. However, most insurance policies don't include wellness coverage by default.
💡 Expert tip: If you want full-spectrum pet health care, consider pairing a pet insurance plan with a wellness add-on. For budget-conscious owners, prioritize accident and illness coverage first — it's the financial lifeline when stakes and bills are highest. A torn ACL costs $1,200 to $7,000, while routine dental cleanings average $200 to $800.
Keep in mind that corporate veterinary chains' wellness plans may limit where you can use them, creating costly confusion at the worst times. Dr. LaCroix sees this regularly in emergency medicine: "One pet owner had a clinic wellness plan for her sick cat, but the plan only worked at her regular vet. For the same monthly cost as true pet insurance, she could have gotten the emergency care her cat needed. These plans might sound good, but they might not work exactly when you need them most — when an emergency happens."
How to shop for pet insuranceWhen comparing pet insurance policies, focus first on coverage for accidents, illnesses and emergency care rather than routine checkups. While monthly premiums might seem high when your pet is healthy, one emergency surgery could make the investment worthwhile. The key is understanding exactly what you're buying before you need to use it.
Dr. Sarah Gorman, managing veterinarian at Small Door Veterinary in New York City, recommends weighing these key factors when choosing your policy, especially if you have an older pet:
Long-term care. Look for insurance policies that cover chronic conditions, ongoing medications and geriatric care. Older dogs in particular will need coverage in these areas.
Age restrictions. Ensure the policy doesn't have age limits for enrollment or renewal, as some companies may stop offering coverage to older pets.
Coverage scope. Evaluate what's covered by the insurance policy, including accidents, illnesses, surgeries, diagnostic tests, medications and emergency care. Some policies may offer additional coverage for routine care or alternative therapies, so consider your pet's specific needs.
Cost sharing. Look into the deductible amount, which is the portion you pay before the insurance coverage kicks in. Additionally, consider the reimbursement percentage, as it determines the portion of the vet bill that will be covered by the insurance company.
Coverage limits. Understand any exclusions or waiting periods associated with the policy. Exclusions refer to conditions or treatments that are not covered, and waiting periods are the time you must wait before certain conditions become eligible for coverage.
Maximum benefits. Check if the policy has annual or lifetime maximum payout limits. This is the maximum amount the insurance company will pay out over a given period. Ensure it aligns with your expectations and the potential costs of veterinary care.
Take the time to compare at least three policies side by side, carefully reading the fine print. Getting quotes from multiple providers helps you understand the full range of coverage and costs available.
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Learn more about insurance, budgeting and managing money FAQs: Insuring and protecting your petResearching pet insurance options can feel overwhelming with so many coverage options and providers to compare. Here are key answers about getting pet insurance to help you make an informed decision.
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Does pet insurance cover vaccines?No, most standard pet insurance coverage won't include routine vaccinations. However, some insurance providers offer wellness care add-ons that help cover these preventive costs, usually for an extra $10 to $30 a month.
When should I get pet insurance?The best time to get pet insurance is when your pet is young and healthy — before any pre-existing conditions develop. Insurance agencies typically offer lower rates for younger pets, and getting coverage early means that your pet's health needs are protected from the start.
Do I need pet insurance for an indoor cat?Even indoor cats can benefit from pet insurance coverage. While they may face fewer accident risks, they can still develop costly illnesses like kidney disease, cancer or dental problems that could require expensive treatments. That's why many indoor cats can rack up significant vet bills despite never going outside, making pet insurance still worth it.
Can you have two pets on the same insurance policy?Most pet insurance providers allow multiple pets on a single poli
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