The Care We Share

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Let’s Compare ASPCA Pet Insurance to Eusoh

Eusoh Sick of High Premiums? We Can Help!

When it comes to caring for our pets, we all want the best care possible for the lowest cost. Sifting through traditional pet insurance companies can seem like a formidable task, as there are numerous plans offering a wide range of services, all at drastically different price points. Luckily, Eusoh has taken on this challenge, sifted through the noise, and has created a cost-sharing model tailored to those looking for the best of both worlds: premium pet coverage at an affordable, shared monthly cost. 

Why Do I Need Pet Coverage? 

 Simply put, pet coverage is created so that you can rest assured that your pet will receive the best care possible, while taking into account a number of factors like age, breed, and geographic location, etc. Most traditional pet insurance providers have strict guidelines, which often limit which services are covered or reimbursed. Unlike traditional insurance, Eusoh’s cost-sharing framework provides coverage for a higher number of procedures and conditions, without the hassle, additional fees and limitations associated with traditional models. 

Our Golden Retriever, Lando, is looking for coverage

What is Eusoh? 

Eusoh isn’t about pet insurance, it’s about a new choice for pet owners. Eusoh is reinventing coverage by completely eliminating the need for costly premiums like those seen with plans from companies like the ASPCA. It allows for transparency, affordability, and happier customers, while providing full financial protection for cat and dog owners. Instead of a premium, members pay a small subscription fee and contribute to verified expenses only if and when they happen. 

Eusoh’s innovative model allows members’ monthly contributions to be limited to only what is needed. Each month, any unused contributions are rolled over entirely and credited back to the member, decreasing their next month’s payments. This ground-breaking model has successfully achieved over 50% savings for members while maintaining protections expected of conventional insurance. Building on the current success, Eusoh has been taking the market by storm by partnering with high-profile brands and making our model accessible to more customers.

How Does Eusoh Compare? 

To truly understand the benefits Eusoh’s model provides, we can compare our service with that of a more traditional insurance plan provided by the ASPCA. Like most plans, ASPCA’s baseline coverage includes accidents, dental disease, behavioral issues, illnesses and hereditary conditions. The ASPCA’s plans may include add-ons, which can cover preventative care services and other procedures that are not typically included in the baseline pricing. These costs can range from an additional ten dollars per month to nearly triple that, depending on whether or not ‘prime’ services are included. For companies like ASPCA, preventative care and prime services can include procedures like wellness exams, vaccinations, and additional diagnostic testing- all of which are included in Eusoh’s comprehensive plan!      

These extra services can vary depending on the age and medical history of the enrolled pet. Unlike other companies, Eusoh’s plan includes a wide variety of breeds and ages and we do not increase monthly costs as a result of pets aging, nor is age or breed prohibitive in joining the Eusoh community. Eusoh’s revolutionary model does not include additional or extra plans! Eusoh’s $65 (maximum) per month plan is comprehensive and includes illnesses, accidents and wellness visits. Where ASPCA has multiple levels of care depending on your pet’s health, age and out-of-pocket maximums, Eusoh has a generous $8500 maximum, so you will never need to scramble to increase your coverage. 

Click Here to Learn More About Eusoh & Sign Up

Below is the cost of an ASPCA plan for a healthy Golden Retriever1 , where add-on services are not included. This shows the substantial differences between this plan and Eusoh’s care plan. 

Pet AgeASPCAEusohSavings
3 years $995.88 annually ($82.99 p/month)
up to $300 addtl. costs 
$48 one-time deposit
$17 monthly subscription fee
($65 monthly max)     
ASPCA: 995.88+

Eusoh:  828.00

Difference
$167.88 +
10 years$2390 annually ($199.17 p/month)
up to $300 addtl. costs 
$48 one-time deposit 
$17 monthly subscription fee ($65 monthly max)
ASPCA: 2390+

Eusoh:  828.00

Difference
$1562 +

Beyond the clear difference in cost versus traditional insurance plans, like ASPCA, Eusoh offers a substantial multi-pet discount. Where other companies may offer a percentage off of a user’s monthly costs, Eusoh adjusts the monthly subscription fee for users with multiple pets.

ASPCAEusoh
10% discount applied to total cost  $10 subscription fee for 3rd and 4th pet
5th pet (and on) get a free subscription!   

ASPCA’s Rate for a 3-Year-Old

ASPCA’s per month rate for a 3 year old Golden Retriever based in Los Angeles, CA

ASPCA’s Rate for a 10-Year-Old

ASPCA’s per month rate for a 10 year old Golden Retriever based in Los Angeles, CA

Click Here to Learn More About Eusoh & Sign Up

So why choose Eusoh? 

Eusoh’s standard rate is lower than that of traditional pet insurance plans, covers services within that lower cost that are not included in the basic plans offered by other companies, and does not discriminate or adjust its rates based on the age or breed of your pet.  Eusoh is a transformative shift away from the insurance premium model that enables communities to seamlessly interlink and operate at scale, thus affording their members full coverage via a fully scaled community share model. With capped monthly costs, as well as its extended coverage of conditions not covered by the ASPCA plan, Eusoh’s cost-sharing plan guarantees that users will spend less per month than they will on any other plan out there! 

1The Golden Retriever was used in accordance with breed popularity rankings published by the American Kennel Club. https://www.akc.org/expert-advice/dog-breeds/the-most-popular-dog-breeds-of-2020/

Photo by Davide Baraldi from Pexels

Pet Insurance: Who Really Needs It And Why?

Covering the needs and value of pet insurance.

Pets, just like humans, provide unconditional love, greatest care, and valuable companionship, and often times, they greatly contribute to the unexplainable happiness of their owners. As such, the majority of pet owners are already considering their pets as real members of their family, and with the strong bond that both have shared, there is no denying the owners want to give their pets the best care possible; however, giving the highest quality of care and treatment to your pets comes with a price.

woman girl animal dog
Photo by cottonbro on Pexels.com

Several trips to a veterinary clinic alone can already cost you money and worse, you may have to pay an even larger amount of bills in case your pet gets injured or gets an illness. But breaking the bank for routine pet care or for your pet’s medical bills is avoidable through the most affordable and most comprehensive pet insurance plans.

Why do I or rather, why does my pet need pet insurance? 

Unforeseen circumstances such as pet accidents, injuries, and illnesses are undeniably inevitable. Before these unfortunate situations happen, it is best to be prepared with a thorough pet insurance plan for the inevitable stack of costly medical bills.

But remember, pet insurance plans vary depending on the type of policy and coverage you choose. For instance, some pet insurance companies have separate policies and coverage for different types of illnesses and treatments your pet may incur. There are new alternatives to insurance like Eusoh, which has very comprehensive coverage. Their community covers accidents, illnesses, and even wellness at a reasonable price. Companies are now using newer technologies, like the sharing economy to drive down overall rates.

How much will pet insurance cost me per month?

By now, you are probably wondering if getting a pet insurance will be a burden to your pocketbook instead of being beneficial. Quite frankly, the cost of pet insurance varies depending on certain factors like age, breed, pre-existing conditions, and even location. For the most part, the average cost pet owners pay monthly for a healthy furry pal ranges from $40 to $70, and that does not include full coverage yet while some companies have pet insurance policies that cost more than $100. 

Here’s where Eusoh stands out from the rest. Eusoh’s unique model greatly helps the pet owner by 1. Providing the most comprehensive pet protection service. And 2. They guarantee their members will never spend more than $65 per month. Monthly rates are capped so you know costs will never get out of control. 


Looking for an honest review of pet coverage? Here’s one from Great Pet Care

Eusoh Review: An Innovative and Cost-Saving Alternative to Pet Insurance


What exactly does pet insurance cover?

As mentioned in the first section, pet insurance serves as a helping hand in covering the veterinary bills of your pet. In case of emergency veterinary treatment,  you need not worry so much about the expenses because your pet insurance plan will reimburse you a high percentage of your costs. But again, you have to remember that medical costs of  veterinary procedures are either covered entirely or in part by your insurance company based on the type of plan you have for your pet.

Do I really get reimbursed for procedures and services I submit?

For most policies, when your pet needs immediate veterinary consultation or routine care, you will need to pay out of pocket first. As soon as you have the veterinary receipt, you can file a claim by submitting the receipt to your pet insurance providers, which will do the review and evaluation. When the claim is approved, you will receive reimbursement. 

However, as mentioned earlier, your plan and your insurance policy will be the basis whether the whole medical cost will be covered. Your coverage and reimbursement will be at the behest of the policy you agreed and signed up for. It is worth noting that some insurance companies only reimburse 60% to 80% of your pet’s total bills. 

New alternatives to pet insurance, like Eusoh, have the same procedures and same protocols as their traditional counterparts. There is even a submission process that can be done on desktop computers or mobile devices. But the differences end there. The funds that Eusoh members deposit when they open their account are only used to share expenses with the community. In order to use this platform is just a $17 a month subscription.

Pet insurance shouldn’t be difficult, but many companies make it that way. And this hurts pet owners’ pocketbooks. New alternatives are emerging that make true community sharing possible for an affordable price.

5 Types of Insurance Millennials Need For 2020

Being prepared is the best way to avoid panic. Being ready for anything will help you to stay calm, sum up the situation quickly, and proceed with more efficient, capable action.”

Young generations such as Millennials and Gen Z’ers brush off the thought of having insurance for some reason. It’s either they seem themselves as being fit as a fiddle or their income is modest enough to pay for their bare essentials; Thus, they are understandably cautious and hesitant when the subject of saving and investing comes around. This is one of many reasons why there are young adults who are underinsured. 

Having insurance may seem like an unnecessary expenditure if you have debts to pay or you’re in perfect health. However, like the line from the movie, “Life is like a box of chocolates, you never know what you’re going to get.” It’s important to have some sort of insurance for the unexpected surprises life throws your way.

The most needed and most popular insurance products in the US

  1. Health Insurance

A doctor consultation in the United States can be quite expensive. For an initial consultation, the cost ranges from $100 – $200 while specialist consultation fee is at $250 minimum. What’s more is that the average hospital stay charge costs $10,700, which most low-income and middle-income people cannot afford to pay, especially if they lack funds for emergency purposes.

With health insurance, Millennials and Gen Z’ers need not worry too much about unexpected hospital costs as your chosen health insurance company pays a portion of your medical bills. Some of the essential health benefits included in health plans in the U.S. are emergency services, outpatient care, hospitalization, laboratory tests, maternity, and newborn care among others.

  1. Auto Insurance

Car accidents are one of the most common personal injury accidents in the U.S. which could result in rollover collisions, single-vehicle collisions, rear-end collisions, side-impact collisions, and side-swipe collisions. These losses for the crashes could make you financially responsible, and without auto insurance, the expenses would be thousands. 

Through car insurance, property damage and bodily injury claims are covered; it is important to note that car insurance price is significantly lower as compared to the huge amount of money millennials and Gen Zers have to shell out in case of a car accident.

  1. Pet Insurance

To provide the best health care for pets, veterinary practices have changed over time. With the advancement of technology, equipment and facilities have been upgraded to the most modern version; however, this comes with a higher veterinary fee. By buying a traditional pet insurance plan, you have the assurance that in times of costly emergency veterinary treatment, surgeries, routine care, and/or orthopedic services, there is an insurance company to help you save money. The average pet health insurance cost which does not offer complete coverage is from $40 to $70 while others charge $100.

If you are looking for the most affordable plan at nothing more than $65 with the most comprehensive pet protection service, go for Eusoh, a community health sharing plan similar to a pet insurance company that reimburses wellness expenses and routine veterinary visits. With the help of Eusoh, you do not have to stress yourself out on the veterinary cost; rather, you can focus more on your pet’s health and wellness.

  1. Renter’s Insurance

While the landlord’s policy covers the building structure such as the foundation, roof, fixtures, furnaces, and walls, the renter’s property inside the apartment unit is insured by renter’s insurance policy. In the event of natural disaster, fire, and theft, it goes without saying that the renter’s possessions are in a vulnerable situation. Buying new clothing, furniture, appliances, and electronics would be very expensive, especially for millennials and Gen Zers who are just starting out with their career. 

This is where renters insurance comes into the picture. The policy takes charge of the cost to repair or replace damaged or lost items. Tenant insurance also includes repairs for someone else’s damaged property as well as injured visitor’s medical bills if the renter is responsible for the harm incurred.

  1. Travel Insurance

Going on an international trip is truly beautiful as there are many striking places waiting to be explored not to mention the different cultures and lessons you will discover, but it comes at a cost. Foreign travelers are more vulnerable to thieves; accidents may happen; political turmoil and natural disasters are inevitable; trips may have to be canceled. 

Without the existence of travel insurance, dealing with an emergency situation would be expensive to handle. For millennials and Gen Zers, they may give it a second thought about whether to buy travel insurance, but doing so for global trips would give you peace of mind.

The Bottom Line

Purchasing insurance may seem to be a big investment for all generations, and the younger generations are not open to putting their money on a plan which does not yield immediate return, but long term planning should be the major goal of millennials and Gen Zers. 

Unfortunate events are inevitable but with the right insurance, worrying about major money troubles would be the last thing on your mind. Insurance reimburses claims through cash as a single payment or through monthly payouts; thus, insurance is known as a financial security net. 

Photo by Guilherme Stecanella on Unsplash

Pawlicy’s Unique Statistics of Pet Parents Interested in Pet Insurance

From July 2019 through May 2020, Pawlicy Advisor generated personalized pet insurance recommendations for tens of thousands of dogs and cats. Each recommendation is personalized to the pet based on the pet’s unique attributes, and only after analyzing hundreds of policies across top pet insurance provider companies.

The algorithm scans and prioritizes recommendations based on breed-specific risk factors, age, location, and the fine print in each provider’s policy. This enables us to rank insurance policies across top providers by lifetime cost and coverage value for each unique pet.

ORIGINAL ARTICLE: https://www.pawlicy.com/blog/pet-insurance-statistics-2019-2020/

The recommendation algorithm also asks pet parents about how they’d handle an unexpected $5,000 veterinary bill to better understand the best “coverage versus cost” fit.

In data analysis, sampling is the practice of analyzing a subset of all data in order to uncover the meaningful information in the larger data set. To help maintain business confidentiality as a startup, this report dives into a sample of 20,000 pet parents from the unique data we’ve seen across the United States.

NOTE: In this report, “parents” refers to pet parents or pet owners. Rather than a thing to be owned, instead, we believe pets are unique, conscious individuals and family members.

orange tabby cat beside fawn short coated puppy
Photo by Snapwire on Pexels.com

Table of Contents

How 20,000+ Pet Parents Would Handle A $5K Vet Bill Without Pet Insurance

The rising cost of veterinary care is one of the key reasons pet parents search for pet insurance in the first place.

Although a regular checkup isn’t usually that expensive, there’s always the possibility that the veterinarian will find something wrong with the pet. The pet could then require additional diagnostics and potential treatment, leading to unexpected costs.

When a pet parent compares top pet insurance companies on Pawlicy Advisor they are first asked, “How would you handle a vet bill of $5,000?”

This high unexpected cost represents a common worst-case scenario in which the pet needs lifesaving care or expensive diagnostics and treatment. According to Joshua Louis Lachowicz, a veterinary oncologist at BluePearl Veterinary Partners in New York City, treatments for some illnesses could cost between $4,000 to $14,000.

  • Only 19.44% of pet parents surveyed would be able to cover a $5,000 expense out-of-pocket.
  • 30.86% would seek financing options such as a loan, a credit card, or a payment plan offered by the veterinarian.
  • 49.7% of this dataset of pet parents surveyed say they would not be able to cover a $5,000 expense out-of-pocket.

49.7% of pet parents surveyed who are interested in pet insurance say they would not be able to cover a $5,000 expense out-of-pocket.

This is a critical factor in what makes pet insurance worth it for both pet parents and veterinarians. Furthermore, with the recent onset of COVID-19 across the US, this statistic is likely to grow as households struggle with financial insecurity.

Millennials may be especially vulnerable to financial insecurities caused by the coronavirus pandemic as median earnings are 20% lower for those aged 18 to 34 than they were in the 1980s. That wage gap, paired with many millennials’ shift in viewing their pets as family, should highlight the importance of pet insurance for millennial pet parents.

With veterinary costs on the rise, pet lifespans increasing, and the US economy shaken by the COVID-19 pandemic – pet parents must be educated about pet insurance options and the overall costs associated with owning a pet.

Pet Type and Gender

Pet type (species) and gender also factor into pet insurance rates, and they’re an important input in Pawlicy Advisor’s pet insurance recommendation algorithm.

From the tens of thousands of pet parents we surveyed, we analyzed pet insurance options from top providers for an even greater number of pets (as many parents are looking to insure multiple pets.

Dogs account for 81.62% of pets whose parents are interested in pet insurance.

  • Dogs account for 81.62% of pets whose parents are interested in pet insurance.
  • Cats account for 18.38% of the pets we analyzed insurance options for.

Not surprisingly, most pet parents who shopped for pet health insurance on Pawlicy Advisor in the last 9 months were looking for insurance for their dog. Dogs tend to be more expensive to treat than cats due to their size, but also because of the history of dog breeding.

Some dog breeds are more prone to illnesses and injuries than others. For example, large and giant dog breeds are more susceptible to bloat and hip dysplasia. Dog breeds with short snouts are more prone to breathing problems.

Cats, meanwhile, don’t suffer from as many breed-specific illnesses because their breeding history has allowed for more genetic diversity. According to the ASPCA, cat veterinary costs are lower than those of dogs on average. Some studies even indicate that cats get sick less often than dogs.

As a result, it usually costs less to buy insurance for a cat than it does for a dog. This is another important input in the Pawlicy Advisor algorithm for finding affordable pet insurance policies that suit the pet’s attributes.

Pet gender is a near even split, 47.4% female and 52.6% male.

  • A slight majority, 52.57%, are male, while 47.43% are female.

Pet gender does affect spaying and neutering costs. Spaying a female pet requires a more complicated surgery, so it generally costs a bit more. Un-spayed and un-neutered pets have increased risk for additional medical complications later in life, such as infections and cancer, which could be costly to treat. Furthermore, breeders who wish to insure their animals may need to buy specific insurance plans that cover breeding risks.

Dog and Cat Breeds

Pawlicy Advisor users submitted queries for over 225 different dog breeds over the past year.

Certain breeds are prone to specific health conditions, and certain variations of mixed-breeds reveal different premiums. This info is often tucked away in the fine print of any given policy, Pawlicy Advisor was built to scan hundreds of policy variations to help determine which insurance plan (and provider) is best for each unique pet.

The Most Popular Dog Breeds of Parents Interested in Pet Insurance

  • 7.95% of the dogs were of an unknown breed, and 6.20% were of an unknown mix of breeds.
  • However, Poodles (5.45%) and Labrador Retrievers (4.74%) were also popular.
  • Meanwhile, 3.78% of users had Chihuahuas (and another 3.34% had a Chihuahua mix).
  • 3.49% had a German Shepherd.
  • 3.34% had a Terrier Mix.
  • And 34.8% was made up of 215 other breeds, each with less than 1% each

Other popular breeds were French Bulldogs, Shih Tzus, Golden Retrievers, Yorkshire Terriers, and American Pit Bull Terriers. According to the American Kennel Club Registry List, the Labrador Retriever has been the most popular dog breed in the U.S. for the past 29 years.

What’s interesting is that so many pet parents with Chihuahuas are interested in pet insurance. Poodles make up a large segment, and this is to be expected as it’s a breed with common health issues and the 6th most popular dog among US households. Similar story with Labrador Retrievers. Chihuahuas are a generally more affordable breed to adopt, but perhaps the driving factor is that the tiny breed often struggles with luxating patellas (slipped kneecaps), dental issues, and hypoglycemia (burning more energy than they consume).

Top 50 Dog Breeds Whose Parents Are Interested In Pet Insurance

BreedRank
Poodle Mix1
Chihuahua2
German Shepherd3
Chihuahua Mix4
Terrier Mix5
Mixed (Breed Unknown)6
Yorkshire Terrier7
Golden Retriever8
Shih Tzu9
French Bulldog10
American Pit Bull Terrier11
Labrador Retriever – Black12
Shih Tzu Mix13
Boxer14
Labrador Retriever – Yellow15
Pit Bull16
Hound Mix17
Yorkie Mix18
Border Collie Mix19
Beagle Mix20
Pomeranian21
Maltese22
Boxer Mix23
Siberian Husky24
English Bulldog25
Jack Russell Terrier26
Australian Shepherd27
Labrador Retriever28
Rottweiler29
Labrador Retriever – Chocolate30
Dachshund Mix31
Pug32
Bichon Mix33
Miniature Schnauzer34
Beagle35
Great Dane36
Cavalier King Charles Spaniel37
Boston Terrier38
American Bulldog39
American Staffordshire Terrier40
Pomeranian Mix41
Dachshund miniature – smooth coat42
Poodle – Toy43
Poodle – Standard44
Bichon Frise45
Border Collie46
Australian Shepherd – miniature47
Havanese48
Doberman Pinscher49
Dachshund50

The Most Popular Cat Breeds of Parents Interested In Pet Insurance

Pawlicy Advisor users were less specific in how they designated their cat breeds, although the breed is often less of a consideration when insuring domestic cats. Most cats are considered Shorthair, Mediumhair, or Longhair.

  • 33.89% of the cats we analyzed for pet insurance quotes were identified as Domestic Shorthair.
  • 10.58% were Domestic Mediumhair.
  • 6.47% were Domestic Longhair.
  • And 35.42% were an Unknown Mixed-Breed.

According to our data, a plurality of pet parents interested in pet insurance had Domestic Shorthair cats, at 33.89%. Meanwhile, 10.58% had Domestic Mediumhair cats and 6.47% had Domestic Longhair cats. Among specific cat breeds, Maine Coons, Siamese, Ragdolls, and Bengals are among the most popular.

NOTE: Domestic Shorthair, Mediumhair, and Longhair are all technically generalized categories of “mutts” (mixed-breed cats).

Top 50 Cat Breeds Whose Parents Are Interested In Pet Insurance

BreedRank
Unknown Mixed-Breed1
Domestic Shorthair2
Domestic Mediumhair3
Domestic Longhair4
Maine Coon5
Siamese6
Ragdoll7
Bengal8
Russian Blue9
Persian10
American Shorthair (purebred)11
Siberian12
British Shorthair13
Sphynx14
Bombay15
Snowshoe16
Himalayan17
Tonkinese18
Egyptian Mau19
Scotish Fold20
Himalayan Seal Point21
Turkish Van22
Balinese23
RagaMuffin24
Norwegian Forest Cat25
Cornish Rex26
Burmese27
Munchkin28
Manx29
Feral30
Abyssinian31
Oriental Shorthair32
Exotic Shorthair33
American Wirehair34
American Bobtail35
Turkish Angora36
Himalayan Flame Point37
Himalayan Blue Point38
Chartreux39
Somali40
Scottish Fold Longhair41
Savannah42
Ocicat43
Nebelung44
Manx Longhair45
Havana Brown46
Exotic47
European Shorthair48
Cameo Longhair49
Birman50

Pre-Existing Conditions

There are no pet insurance providers that cover pre-existing conditions (though some plans do cover curable conditions after a certain waiting period with no recurring symptoms), which is why it’s so important to enroll in pet insurance while your pet is still young and healthy. If you enroll before any conditions arise, those conditions will be covered by your plan. Wait too long, and you’ll have to pay out-of-pocket to treat your pet.

Percent Of Dogs with Pre-Existing Conditions Whose Parents Are Interested In Pet Insurance

A clear majority of dog parents understand the importance of signing up for insurance early – before their pup is diagnosed with any health conditions. But, thousands of pet parents are looking for pet insurance for a pet with a pre-existing condition.

9.8% of dog owners are shopping for pet insurance for a dog with a pre-existing condition.

  • After surveying tens of thousands of dog owners, 9.8% of the dogs who needed insurance already had an existing condition.
  • 90.2% of the dogs we generated a pet insurance comparison for did so before their dog developed a condition that could be considered “pre-existing.”

The importance of comparing pet insurance sooner than later becomes even more evident when looking at the age breakdown of those with pre-existing conditions below.

Puppies vs Adult Dogs with Pre-Existing Conditions Whose Parents Are Interested in Pet Insurance

Puppies are far less likely to develop health conditions than their older counterparts. It’s best not to wait until a condition arises. Most pet insurance plans include a waiting period, and if your vet discovers an illness before your insurance kicks in, it is usually considered “pre-existing” by the insurance company.

87.97% of the dogs that did have pre-existing conditions were adults.

  • 87.97% of the dogs that did have pre-existing conditions were adults.
  • Only 12.03% were puppies less than one year old.

That data should encourage new puppy parents to look into pet insurance, ASAP. Out-of-pocket costs can be greatly reduced for both vet bills and pet insurance premiums by finding the right coverage sooner rather than later (and the same is true for insuring rescue puppies).

Percent Of Cats with Pre-Existing Conditions Whose Parents Are Interested In Pet Insurance

Similarly, while most of the cat parents that searched for insurance did so before their pets developed any pre-existing conditions – more than 1 in 10 were shopping for a cat with a pre-existing health condition.

12.27% of cat owners are shopping for pet insurance for a cat with a pre-existing condition.

  • 12.27% of the cats we analyzed had a pre-existing condition.
  • 87.73% of cats had a clean bill of health.

Although vet care is generally less expensive for cats, treating major illnesses can still leave a serious dent in your wallet without insurance.

NOTE: If your pet has a pre-existing condition, pet insurance is still worth the investment. For one, if the condition is curable it can be covered by some plans. You can find out which plans fit your best best by generating a new search on Pawlicy Advisor. If the condition is not curable, other conditions may arise and having to pay fully out-of-pocket for multiple medical expenses is a nightmare. If the cost of pet insurance is an issue for you, use Pawlicy Advisor’s recommendation engine to find the best plan at the best price.

Kittens vs Adult Cats with Pre-Existing Conditions Whose Parents Are Interested In Pet Insurance

Kittens, like puppies, are less likely to develop health conditions than adult cats. Again, do not wait until a condition arises to research pet insurance.

91.9% of the cats that did have pre-existing conditions were adults.

  • 8.1% of the cats with pre-existing conditions were less and one year old.
  • Meanwhile, 91.9% of cats with an existing condition were adults.

Just like puppies, kittens are less likely to be diagnosed with a pre-existing condition than their adult counterparts. Insuring your kitten can save you thousands of dollars in veterinary costs as they grow older.

According to one analysis, the costs of treating cancer in a cat can cost over $2,800+ without pet insuranceWith pet insurance, it costs less than $600 on average.

More importantly, pet insurance also ensures that the cat gets the care they need. The same analysis indicated that the cost of care for cancer in cats based on insurance claims can reach almost $15,000. Pet parents who must pay expenses out of pocket may not be able to afford important treatment options.

The Most Common Breeds of Dogs with Pre-Existing Conditions Whose Parents Are Interested in Pet Insurance

Humans have been breeding dogs for almost 4,000 years. Due to limits in genetic diversity, some purebred dog breeds are more prone to pre-existing conditions than others.

Based on the analysis of our data, many pet parents with smaller dog breeds and purebred dogs reported pre-existing conditions in their pets.

  • Chihuahuas (4.4%), and Chihuahua Mixes (3.95%) represented many of the dogs with pre-existing conditions.
  • As well as Terrier Mixes (3.45%), and Yorkshire Terriers (3.12%).
  • Additionally, 3.95% of dogs with pre-existing conditions were Poodles
  • 3.78% were Labrador Retrievers
  • 3.01% were Shih Tzus.

Now, this shouldn’t deter anyone from adopting/rescuing a purebred dog. If you adopt a purebred puppy, you can enroll in pet insurance early to ensure any conditions that might emerge are covered by your policy.

Top 10 Dog Breeds That Developed Health Conditions Before Enrolling In Pet Insurance

BreedRank
Unknown Breed1
Chihuahua & Chihuahua Mix2
Poodle Mix3
Terrier Mix4
Yorkshire Terrier5
Shih Tzu6
Mixed (Breed Unknown)7
German Shepherd8
Golden Retriever9
American Pit Bull Terrier10

The Most Common Breeds of Cats with Pre-Existing Conditions Whose Parents Are Interested in Pet Insurance

The most common cat breeds with pre-existing conditions mirror the results of the most popular cat breeds from the previous question.

  • 27.73% the cats with existing health conditions that we analyzed were Domestic Shorthairs.
  • 8.50% were Domestic Mediumhair cats.
  • And 6.88% of cats represented with pre-existing conditions were Domestic Longhairs.

Among the top pure-bred cats that had existing conditions were Siamese cats (1.42%), Russian Blues (1.21%), Maine Coons (1.21%), Persians (1.01%), and 18 other breeds each making up less than 1% of the total.

Top 10 Cat Breeds That Developed Health Conditions Before Enrolling In Pet Insurance

BreedRank
Mixed Breed1
Domestic Shorthair2
Domestic Mediumhair3
Domestic Longhair4
Siamese5
Russian Blue6
Maine Coon7
Persian8
Ragdoll9
American Shorthair (purebred)10

The Most Popular Pet Names

Overall, there were a ton of great pet names that went through the Pawlicy Advisor search algorithm. Bella, Max, Luna, Lucy, Charlie, Buddy, Daisy, Molly, and Lola are just a few that stand out as most popular. But the real gems are in the more obscure names like Cthulhu, Jiggles, Sir Pounce A Lot, and Zig Zag.

For example…

The Most Popular Dog Names

The most popular dog names were Bella, Max, Charlie, Luna, Coco, and Lucy. There were also a few Bobs and Peanuts thrown in for good measure. And who couldn’t love a dog named Bruno, Bear, or Bandit?

Top 20 Most Popular Dog Names

BreedRank
Bella1
Max2
Charlie3
Luna4
Coco5
Lucy6
Buddy7
Daisy8
Bailey9
Molly10
Cooper11
Sadie12
Lola13
Rocky14
Sophie15
Chloe16
Maggie17
Milo18
Zoey19
Bentley20

The Most Popular Cat Names

Naturally, there’s some overlap between dog and cat names.

popular names of cats whose parents are interested in pet insurance Many cat parents also named their cats Luna. Among the most popular cat names were Zoey, Stella, Tucker, Teddy Bear, Zeus, Toby, and Thor.

Top 20 Most Popular Cat Names

BreedRank
Zoey1
Stella2
Tucker3
Teddy Bear4
Toby5
Zeus6
Thor7
Willow8
Zoe9
Luna10
Winston11
Ziggy12
Bella13
Tank14
Theo15
Tyson16
Charlie17
Tiger18
Xena19
Sunny20

105 Unique Pet Names That Caught Our Eye

We also compiled a list of the many pet names that stood out as particularly unique. If you’re looking to adopt or have recently adopted, we hope you consider a few name options like “Mr. Muffin-Stuff” and “Albus Dumbledog.”

  • Albus Dumbledog
  • Azreal
  • Angel Panda
  • Angelfish
  • Basilious Haro
  • Beaumont
  • Beef
  • Bernie
  • Bertrum
  • Bighead
  • Binx
  • Bones
  • Bonkers
  • Catsby
  • Cher
  • Chowder
  • Chu-Chu
  • Cthulhu
  • Ginger Shoopman
  • Glory
  • Gmork
  • Gnash
  • Gnat
  • Gnocchi
  • Gramps
  • Habanero
  • Hanzo
  • Hektor
  • Hootie
  • Igloo
  • Itsy Bitsy
  • Jack Mayo
  • Jada Doo Powell
  • Jeeves
  • Jiggles
  • Jillaroo
  • Jilly Sue
  • Kit Kat
  • Lightening
  • Low Ryder
  • Luci(fer) Anais Garcia
  • Lucy Wigglebottom
  • Lyric
  • Madame Monkey
  • Meatball McBeath
  • Minion
  • Miss Sunday
  • Mister Moose
  • Mr. Bubba Linx
  • Mr. Chips
  • Mr. Muffin-Stuff
  • Mr. Pickles
  • Muchacha
  • Neptune
  • Oatmeal
  • Oedipus Rex
  • Ohno
  • Oogie Boogie
  • PantsDeLeon
  • Pennywise
  • Pesto
  • Pinball
  • Pixel
  • Plop
  • Poopoo
  • Poughkeepsie
  • Preacher
  • Princess Potato
  • Prometheus
  • Quasar
  • Quiggly
  • Rhino
  • Rhubarb
  • Rick the stick
  • Ruff Daddy
  • Sabath
  • Samwise Gamgee
  • Schnaps
  • Shrek
  • Sigourney Weaver
  • Sir Pounce a Lot
  • Skunkers
  • Slinky
  • Sprocket
  • Tabby Rascal Towler
  • Thanos
  • Thorn
  • Toby The Taco
  • Trump
  • Typhoon
  • Umbra Greyjoy
  • Vader
  • Wasabi
  • Weston Greenwade
  • Whoopie
  • Wibbles
  • Wilma Baggins
  • Wombat
  • Xochi
  • Yankee
  • Zephyr
  • Zeus Mobley
  • Zig Zag
  • Zippy Jade
  • Zsa Zsa

What Is Pawlicy Advisor?

Pawlicy Advisor is the first pet insurance marketplace actively endorsed by veterinarians, and we’re transforming the pet insurance industry.

Unlike the other marketplaces or review sites, we provide objective education and comparison tools to help pet parents find the right plan at the best price – no matter the provider.

Pet parents use Pawlicy Advisor to instantly scan hundreds of policies across top providers, easily finding their own best-fit quotes based on their pet’s unique breed attributes, location, age, and more. These personalized recommendations can save pet parents up to 83% on costs over the lifespan of their cat or dog.