Your insurance checklist after adopting a pet
Pets bring two insurance considerations: pet insurance for vet bills, and liability coverage for your homeowners or renters policy.
What changes with your insurance
Adopting a pet — especially a dog — affects your insurance in two ways. First, it increases your personal liability exposure. If your dog bites someone, your homeowners or renters policy is typically responsible for the medical bills. Some breeds are excluded by certain insurers, and failure to disclose a dog can void your coverage. Second, the question of pet insurance becomes relevant: a single unexpected vet visit can easily cost $2,000-$5,000, and a serious illness or surgery can run $10,000-$20,000. Whether pet insurance is worth it depends on your pet's breed, age, and your financial ability to absorb unexpected vet bills.
What you might be overpaying for
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Not disclosing your dog breed to your insurer
Failing to disclose a restricted breed (pit bull, Rottweiler, German Shepherd) can void your liability coverage in a bite incident. Disclose and shop insurers that do not restrict breeds.
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Buying pet insurance for older pets
Pet insurance premiums for pets over 8 years old often cost more annually than the average vet bill for their age cohort. Calculate the break-even before purchasing.
Frequently asked questions
Frequently asked questions
This is an estimate for informational purposes only based on national and state averages. Actual rates vary by insurer and individual circumstances. For an accurate quote, contact a licensed insurance agent.
Relevant calculators
Pet Insurance Calculator
Estimate monthly pet insurance costs for your pet based on species, breed, and age.
Use calculator →Renters Insurance Calculator
Check that your renters insurance covers pet liability in your apartment.
Use calculator →Umbrella Insurance Calculator
Consider additional liability coverage if you own a large or high-risk breed dog.
Use calculator →