Before we dive into pet insurance agencies and plans, let’s look at some common pet emergencies. We’ll go over average costs for treatment with and without pet insurance, so you’ll better understand how crucial coverage can be.

Toxic Ingestion

What is toxic ingestion?

Toxic ingestion is when your pet consumes something poisonous. 

Foods that are toxic for pets include chocolate, grapes, raisins, onions, garlic, macadamia nuts, and some sugar substitutes. Several common household toxins might be lurking around your home in the form of plants, coins, and insecticides, so be sure to keep potential dangers out of your pet’s reach.

Take a look at this extensive list of animal toxins to learn more.

What are the signs?

If your pet has ingested something toxic, it may exhibit physical symptoms like vomiting, diarrhea, tremors, drooling, or difficulty breathing. Toxic ingestion can also cause neurologic reactions like confusion, stumbling, dilated pupils, and seizures.

What’s the cost?

Toxic ingestion is a serious veterinary emergency that requires immediate veterinary attention. For treatment, you’ll pay anywhere from $500-$3,000, depending on the severity of the situation. The vet may need to induce vomiting, drain your pet’s stomach, administer IV fluids, or do surgery to remove the toxin.

With emergency pet insurance, your provider will reimburse 70-80% of these vet costs, assuming you’ve met your deductible. With a tool like Pawp’s Emergency Fund, you would get reimbursed up to $3,000, potentially covering the whole incident.

Intestinal Blockage

What is an intestinal blockage?

Intestinal blockage, or bowel obstruction, occurs when your pet swallows something it can’t pass. This serious condition can prevent food and water from passing through your pet’s body, causing intestinal damage and reduced blood flow.

What are the signs?

Signs of intestinal blockage include vomiting, weakness, bloating, dehydration, loss of appetite, and inability to poop.

What’s the cost?

Treating your pet’s intestinal blockage can cost $2,500-$5,000. If your furry family member requires major surgery, the bill could be upwards of $7,000.

Foreign object ingestion typically qualifies as a covered accident, so your pet’s intestinal blockage is likely eligible for coverage. Depending on your provider, you’ll get 70-80% of your money back for your pet’s intestinal obstruction treatment.

Severe Bleeding

What causes severe bleeding?

Severe bleeding, or hemorrhaging, is the rapid release of blood from a vessel. Your pet’s severe bleeding can result from things like deep cuts, bite wounds, or car accidents.

What are the signs?

You’ll notice severe bleeding from your pet’s external wounds, but you should also look for signs of internal hemorrhaging. Symptoms include pale gums, increased heart rate, swelling, vomiting, low body temperature, and collapse.

What’s the cost?

The cost of your pet’s emergency visit will depend on the cause of the bleeding. If your pet was in a fight with another animal, you might pay $500-$1,000 for treatment, disinfection, surgical repair, and prescription medications. 

Other bleeding issues might cost more. For example, if your pet is hit by a car or has a hemorrhaging tumor, it might need major surgery to repair internal wounds. Such procedures can cost up to $8,000.

According to the Texas A&M University College of Veterinary Medicine and Biomedical Sciences, many owners have their pets put down after car accidents because they can’t afford treatment. With a pet health insurance plan, you can avoid such heartbreaking decisions.


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