Pets have been a part of American life for centuries, with dogs and cats being the most popular companions. While pet insurance is now a common way to protect animals from unexpected medical expenses, it wasn't always available. In fact, the first pet in America to be insured was a dog named Lassie.

Who Was the First Pet in America to Be Insured?

History of Pet Insurance in America

The concept of pet insurance originated in Sweden in the 1890s, but it didn't gain popularity in the United States until the late 20th century. In 1982, the first pet insurance policy was sold in the U.S. by the Veterinary Pet Insurance Company (VPI). VPI was founded by two veterinarians, Dr. Jack Stephens and Dr. Carl Caspersen, who saw the need for a way to help pet owners afford veterinary care.

VPI's first policy was sold to a dog named Lassie, a two-year-old German Shepherd. Lassie's owner, Bob Weatherwax, was a veterinarian who was impressed with VPI's concept. He signed Lassie up for a policy that covered accidents and illnesses.

Benefits of Pet Insurance

Pet insurance can provide a number of benefits to pet owners, including:

  • Peace of mind knowing that your pet is protected in case of an accident or illness.
  • Reimbursement for veterinary expenses, which can be very high, especially for major surgeries or chronic conditions.
  • Help with preventive care costs, such as vaccinations and annual checkups.
  • The ability to choose the veterinarian you want for your pet, without worrying about the cost.

    • Types of Pet Insurance

    There are many different types of pet insurance policies available, each with its own coverage limits and benefits. Some common types of pet insurance include:

  • Accident-only insurance: This type of policy covers accidents, such as broken bones, cuts, and poisoning.
  • Illness-only insurance: This type of policy covers illnesses, such as cancer, diabetes, and heart disease.
  • Comprehensive insurance: This type of policy covers both accidents and illnesses.
  • Wellness insurance: This type of policy covers routine care, such as vaccinations, annual checkups, and dental cleanings.

    • You can choose the type of pet insurance that best fits your needs and budget.

    Choosing a Pet Insurance Policy

    When choosing a pet insurance policy, there are a few things you should keep in mind:

  • The type of coverage you need.
  • The deductible you're willing to pay.
  • The reimbursement percentage you're looking for.
  • The annual premium you can afford.

    • You should also read the policy carefully before you buy it to make sure you understand what is and is not covered.

    Conclusion

    Pet insurance can be a valuable way to protect your pet from unexpected medical expenses. By doing your research and choosing the right policy, you can help ensure that your pet receives the care they need, without breaking the bank.