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When is the Best Time to Get My Pet Insured?

Petmate Academy

April 8, 2022

There is no better day than today to get your pets insured. If you still haven't gotten around to getting pet insurance for your furry family members, the best time is now. Every day lost to dilly-dallying can be detrimental to your pet's health. Not to mention that your finances will massively suffer if you keep on paying veterinary fees from your own pocket.

You can get the process started today by researching good pet insurance. You can begin reading resources like pet forums and a Figo pet insurance review or two to know what to look for in a policy. The sooner you start educating yourself about pet insurance, the better position you will be in to pick the right one.

Buy as Soon as You Take Your Pet Home

Generally speaking, the best time to buy pet insurance is when you take your furry friend home. The reason for this is pet insurance does not cover pre-existing conditions. If your new pet suddenly develops a medical condition when you get home, not getting pet insurance sooner will cost you thousands of dollars. Most pet owners buy insurance within six months of taking their new pet home.

The age of the pet should also be an indicator. For example, adopting a two-year-old pet might make you think that it's still relatively young for you to buy insurance. That is true, but studies suggest that gum diseases often start before dogs reach the age of three. This means that whatever conditions or illnesses develop from gum disease, pet insurance will not cover them.

Think about how much teeth extraction and dental surgeries cost. Veterinary fees can range from $1,000 to as much as $3,000, depending on the severity of the problem. The financial and emotional toll of your pets getting sick will make you wish you'd thought of getting them insured sooner.

Insuring Pets During the Summer

The summer season poses a risk to pets. They may get injured or sick because of the humidity or high temperatures. These are the things you have to watch out for in the summer:

  • Overheating, heatstroke, and dehydration
  • Sunburnt skin and blistered paws
  • Fleas, insect bites, ticks, and stings
  • Dangerous seasonal plants and predators (coyotes, snakes, etc.)
  • Water accidents (not all pets are good swimmers, so they're prone to drowning)

Insuring Pets During the Winter

You should also make sure your pets are insured before the winter season sets in. If the weather gets dangerously low, it is a health risk for most pets. There are a lot of heath risks for pets during winter, so make sure you know what to watch out for:

  • Hypothermia and frostbite
  • Injured jaw pads and dry, irritated skin
  • Weight gain and obesity
  • Accidental poisoning (there are a lot of chocolate treats during the holidays)
  • Other holiday hazards (ornaments, small decorations, open-flame candles, batteries, and electrical wires)


The best time to get pet insurance is when your pet is young and healthy. As long as they are still in good health, the pet insurance company will offer better policies. If you haven't enrolled your pets in pet insurance, make sure you do it before summer or winter because that's when they are most at risk.

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