Simon Platt, a veterinary neurologist and professor at the University of Georgia College of Veterinary Medicine. Insurance appeals to pet owners who prefer to pay a monthly cost for future health expenses instead of doling out hundreds, or even thousands, of dollars when care is needed. When Destin Miller’s mixed border collie, Ӧzil, had gastric problems, her pet insurance from Trupanion covered $320 of the $350 bill for medication, fluids, blood work, and 24 cans of special dog food. The $30 that Trupanion did not cover were the dog’s two exams. “They were all approved … extremely quickly,” says Miller, 23, a graduate student at the University of Georgia in Athens, Ga. Miller says it is easier for her and her fiancé to pay about $80 per month in pet insurance because she knows it could help cover greater expenses when her dogs are sick. In 2016, the average claim amount paid for accident and illness plans was $263 in the United States, according to the NAPHIA 2017 report. When Canine's Delight deciding whether or not to purchase pet insurance for your animal, there are several factors to consider other than cost: Breed: Know the risks and medical conditions associated with your breed, such as if your dog is likely to have diabetes, to determine if it will be covered or if the level of coverage will be enough for your pet’s care now or in the future. Also, if you have a purebred or pedigree dog or cat, it may have inherited medical conditions that could be considered high risk and too expensive to treat.