Companion Animals

Welfare of Animals in Pet Insurance Systems

Pet insurance improves welfare outcomes by enabling owners to afford necessary veterinary treatment; expanding coverage and affordability benefits companion animal welfare at scale.

Key Facts

Only about 3% of US pets are insured compared to 25% in the UK
Insured pet owners are significantly more likely to pursue recommended treatment
Financial barriers cause many animals to go without needed veterinary care
Pet insurance costs have increased significantly as veterinary care has become more sophisticated
Community veterinary programs provide lower-cost care where insurance is unavailable

Welfare Considerations

Pet insurance is a welfare enabler — owners with coverage can act on veterinary recommendations without financial constraint. Expanding affordability and coverage of pet insurance would benefit millions of companion animals who currently do not receive optimal care.

What You Can Do

Consider pet insurance for your own animals when financially feasible
Support community veterinary programs providing low-cost care where insurance is insufficient
Advocate for veterinary care affordability programs for low-income pet owners
Donate to organizations providing subsidized veterinary care in underserved communities