top of page
  • Writer's picture

I asked AI if Vet Bills have Increased since Pet Insurance was Introduced. What do you think it said?

I have a hypothesis that vet bills have sky-rocketed since pet insurance has become ubiquitous. Have you noticed that? On top of that, vets seem to be offering services or treatments that were not commonplace before pet insurance - more scans, blood tests, vaccinations, teeth cleaning, specialist feeds etc.

Is this something you have observed? Please comment below.

Here is a picture of a vet checking her bank account.

This is what AI said:

Certainly, from a pet owner’s perspective, the introduction of pet insurance might seem to have contributed to an increase in veterinary costs. Here are some points that support this view:

Increased Access to Care: With pet insurance, pet owners are more likely to seek veterinary care for their pets, which could potentially lead to an increase in demand for veterinary services. This increased demand could drive up the cost of veterinary care.

More Comprehensive Treatments: Pet insurance often covers more comprehensive treatments, which can be more expensive. As a result, veterinarians might be more likely to recommend these treatments for insured pets, which could contribute to higher veterinary bills.

Rising Insurance Premiums: Pet insurance premiums typically rise each year, which can add to the overall cost of owning a pet. These rising premiums might give the impression that veterinary costs are also increasing.

Indirect Impact: If an animal is insured, it is more likely to open up a wider range of options; such as advanced imaging, referral level surgery or innovative drug choices. In these cases, the bill will obviously be higher than in those (often uninsured) cases where these options are not possible; due to the costs involved.

However, it’s important to note that while pet insurance might contribute to higher veterinary bills, it also provides pet owners with financial protection against large, unexpected veterinary expenses. It’s also worth noting that advancements in veterinary medicine, which can lead to better outcomes for pets, are a significant factor in the rising cost of veterinary care. So, while pet owners might see higher bills, they’re also likely to see better health outcomes for their pets.

In conclusion, while pet insurance itself does not directly increase vet bills, the advancements in veterinary care and the increased likelihood of insured pets receiving more comprehensive treatments can contribute to higher veterinary costs. It’s also important to note that pet insurance premiums typically rise each year, reflecting the rising cost of veterinary care and the increased risk associated with older pets. This can be a significant consideration for pet owners when deciding whether to purchase pet insurance. It’s always a good idea to weigh the potential benefits against the costs.

Love to hear your thoughts on this.

Recent Posts

See All


bottom of page