Here at The COVE, we’ve seen firsthand that having pet insurance can help dogs and cats live longer, healthier lives. That’s why we believe it’s important to educate our clients about its value. We’d love to see every pet that comes through our doors have insurance, so that decisions about their care may be solely based on what is in the best interest of each beloved companion.

As with human insurance, you must be prepared. To get the most out of insurance, we recommend obtaining it as early as possible after bringing your furry friend home. This ensures that your pet’s illnesses and injuries will be eligible for coverage, particularly in an emergency, and increases the return on your investment over the life of your pet.

Below are just a few examples of insured patients we’ve treated. We hope they help illustrate the value of pet insurance used in a wide range of situations – including emergency trauma, orthopedic injuries, and dental problems. Note how being insured significantly reduced the amount the pet parents paid out of pocket.

Birdee, 4-year-old English Labrador
Condition: Cranial cruciate ligament (CCL) tear, TPLO surgery
When Tyler decided to adopt Birdee, she also decided to invest in pet insurance. After all, Tyler knew Labs are prone to certain health conditions – including eating anything in sight! So, Birdee went to her forever home already covered. It was a good thing, too, because only 6 months later, Birdee tore her cranial cruciate ligament and needed a sophisticated orthopedic surgical procedure to mend it. Thanks to her pet insurance policy, Tyler was only responsible for about 10% of the more than $4,000 cost to get Birdie back on her feet.

Kiki, 10-month-old Balinese cat
Condition: Fractured humerus
Kiki was not even a year old when she arrived at The COVE’s Emergency Department with a fractured leg. Our team was able to stabilize her, and then she was evaluated by board-certified veterinary cardiologist Dr. Merrilee Small before our board-certified veterinary surgeon, Dr. Jeff Stallings, performed the procedure necessary to repair her broken bone. When all was said and done, her bill amounted to more than $6,000, 90% of which was covered by her insurance policy.

Dutch, 5-year-old mixed-breed dog
Condition: Multiple dental issues
Dutch’s pet insurance was able to cover 90% of the cost for six dentistry procedures he had done here at The COVE, including a Cardiology consultation with Dr. Merrilee Small to ensure he was fit for anesthesia, three root canals, titanium crowns on all four canines, plus other tooth extractions.

The COVE Will Gladly Help You With Insurance Paperwork

As the cases above illustrate, pet insurance can smooth the way by allowing pet parents to say “yes” to the best care, while finding relief from some of the financial pressure. Most insurance plans pay up to 80–90% after deductible, significantly reducing the cost to your family and the strain on your wallet.

At The COVE, we will gladly help with submitting claims on behalf of clients who have pet health insurance, or we can provide information, including medical records, for clients who need to submit claims for reimbursement.

Give yourself peace of mind that unexpected bills will be covered and the knowledge that you can focus on caring for your pet without worrying about the cost. Click here for more information on pet insurance and details on other forms of payment The COVE accepts.

About Us

The COVE’s veterinarians and staff wholeheartedly embrace the core values of community, collaboration, commitment, compassion, and integrity. This focus ensures that pets, the people who love them, and their primary care veterinarians have as positive and affirming a healthcare experience as possible, regardless of the circumstances that bring us all together.