Adding pet insurance to your employee benefits package might seem like a small perk — but it can have a big impact.
More than ever, employees see their pets as family. Offering a benefits package that provides access to pet insurance shows you care about what matters to them. It’s a meaningful benefit that helps with vet bills, supports work-life balance, and can boost morale.
For employers, pet insurance is easy to implement, low-cost (or no-cost if voluntary), and adds value for employees. It can even help you attract and retain top talent — especially among pet-loving millennials and Gen Z workers.
The Rising Cost of Pet Care
The reality is, caring for a pet has become more expensive than ever. According to The New York Times, the price of veterinary care alone has jumped over 60% in just the past decade. From routine check-ups to unexpected emergencies, pet owners are feeling the pinch like never before. According to Forbes, 42% of pet owners can’t afford an unexpected vet bill of $999 or less without going into debt.
So, what’s the solution? For millions of pet owners, the answer is pet insurance. The North American Pet Health Insurance Association (NAPHIA) reports that pet insurance has grown in popularity in recent years. Two years ago, nearly 6.25 million pets in North America were insured, a 17% increase from the year before.
What Does Pet Insurance Cover?
These days, there are plenty of pet insurance options to choose from. Some policies are super comprehensive, covering accidents, injuries, routine vet checkups, and even vaccinations. If you’re looking for something simpler, accident and illness policies offer more limited coverage but often allow you to add wellness benefits. There are also accident-only policies, which handle vet costs for accidents and may even help with routine checkups, flea and heartworm prevention, and vaccinations.
If you own a dog, costs can add up quickly — essential expenses like vet care, grooming, food, treats, and other costs (like boarding during a vacation) average $1,533 a year, according to Forbes Advisor.
Since 1996, CaliforniaChoice has built a reputation for supporting small businesses in California with comprehensive, flexible health care solutions from leading health plans. Now, the CaliforniaChoice program offers access to pet insurance at reduced rates from MetLife and Spot through its Member Value Suite.
The MetLife and Spot plans include coverage for:
- Accidents and emergencies
- Illnesses, including cancer treatment
- Surgery and hospitalization
- Diagnostic tests, X-rays, and lab work
- Preventive care (with optional add-ons)
- Prescription medications
- And more!
The cost depends on your pet’s age, breed, and the coverage you choose. Plus, you can save with discounts when you enroll multiple pets.
The Bottom Line
Offering pet insurance alongside a comprehensive benefits package does more than cover vet bills — it shows your employees that their whole family matters, paws and all. It’s a thoughtful, affordable way to enhance your benefits program, strengthen workplace satisfaction, and stand out in a competitive job market. In today’s world, the little things — like pet insurance — can go a long way in keeping your team happy, loyal, and proud to be part of your company.
With CaliforniaChoice, you get the flexible benefits your team wants — including access to pet insurance through the Member Value Suite — all in one easy-to-manage program. If you’re ready to explore your options, ask your health insurance broker for a CaliforniaChoice quote. Don’t have a broker? No problem. We can connect you with one.
