Pet Ownership in 2025: Why Pet Insurance is a Must

Pet Ownership in 2025: Why Pet Insurance is a Must


What we see from the statistics and social media trends, the amount of pet ownership is rapidly increasing, pets bring love, joy, and companionship, but it also comes with additional costs especially when it comes to veterinary care. For now most pet owners in the U.S. don’t have pet insurance, that makes them financially vulnerable to emergency vet bills.




With Hubmee’s pet insurance integration, you can now easily track policies, get renewal reminders, and manage vet records: all in one place. No more lost paperwork or forgotten due dates!


What percentage of pet owners have pet insurance?


For now the study shows that more then 56% of all pet owners in the US don’t have insurance for their pet, 25% don’t believe insurance works and only 11% are assured that they and their pets are under protection.


56,2%

I don’t have pet insurance, but I would like to have it

11,6%

I have pet insurance that I believe will be there for my pet and me when I need it

25,3%

I have pet insurance, but don’t believe it will be there for my pet and me when I need it

6,9%

I don’t have pet insurance because I don’t feel the need for it


Is pet insurance worth it?


So, what is the problem that 56% would like to have insurance but still are hesitating, there are several main reasons:

  • Mistrust in Insurance Providers

  • Cost Concerns

  • Complexity in Choosing the Right Plan

  • Not sure how to keep and manage 



Why Your Pet Needs Insurance

LPT: Get pet insurance. I had a $3k bill for my cat's overnight vet stay a few years ago. Now, I just pay $25 a month and they cover $5k in injury/illness expenses a month - Reddit

Emergencies happen and they are expensive

Imagine you are walking with your pet in the morning and he pick up something from the ground, maybe it’s a harmless snack… or maybe it’s something toxic.

🚨 A quick vet visit turns into an emergency.
🚑 A few tests, an overnight stay… and a bill you didn’t expect.

Let see the approximate calculation for this scenario

Scenario

❌ Without Insurance (🔴 Full Cost)

✅ With Insurance (🟢 80% Coverage)

Emergency Vet Bill

$5,000

$5,000

Insurance Covers

$0

$3,600 (80% after deductible)


Your Out-of-Pocket Cost




$5,000

$1,400 ($500 deductible + 20% of remaining bill)

Annual Insurance Cost

$0

$672 (dog) / $384 (cat)

Total Yearly Spending

$5,000

$2,072 (dog) / $1,784 (cat)

Total Savings

$0

$3,338 (dog) / $3,516 (cat)


Would you rather pay $5,000 all at once or just over $1,000 with insurance?

For a small monthly fee, you can save thousands and protect your pet!

How to organize pet health records

Now that we know that it is more beneficial to have insurance for your pet, the question remains “ How can I keep track of it”. Living in the US means you are constantly dealing with insurances for everything:

  • Health Insurance 

  • Car Insurance

  • Property

And now we need Pet Insurance, so how to manage it all? Especially if you have more then 1 pet, it requires several insurances 

Why is pet insurance so confusing?

❌ Forgetting renewal deadlines and missing coverage
❌ Juggling multiple policies with different terms
❌ Losing track of claims and vet bills
❌ Struggling to keep medical records organized

This is the exact answer to the statistical data that 56% of pet owners don’t have it, but what if we can tell you that all of these problems can be solved within one app.

How to manage pet insurance and vet records in one place - Hubmee

If you have an additional 150k annually for a personal manager that’s good for you, but we can do it easier and smarter and even faster and more comfortable for you.

Digital assistant - new way to keep and manage all your documents, by all we mean not only your but also your car, property, family and pet.

Once you download Hubmee on IOS / ANDROID / WEB, you will see different Hubs:

🏡Property: Mortgage papers, lease agreements, and maintenance records.

🚗 Garage: Keep track of car insurance, registration, and service history.

💰 Finance: Organize bills, insurance policies, and banking documents.

👨‍👩‍👧‍👦 Family: Manage medical records, IDs, and important family documents.

🐾 Pet: Store vet records, pet insurance details, and vaccination reminders. 

You can add relevant docs and AI will scan it and know the expiration date and all the essential data and you can also securely share this with other people in your network.


Problem 🐾

How Hubmee Solves It ✅

Managing multiple pet policies 🐶🐱

All policies in one place - View and track multiple pet insurance plans from a single dashboard.

Keeping track of renewal dates ⏳

Automated reminders - Get alerts for upcoming policy renewals to avoid coverage lapses.

Forgetting premium payments 💸

Payment reminders - Set notifications for premium due dates so you never miss a payment.

Lost or disorganized policy documents 📄

Secure document storage - Keep all insurance documents, vet records, and invoices organized and easily accessible.

Confusion over different coverage terms 🤯

Coverage overview - Compare and review all policy details in one place to understand what each pet is covered for.

Tracking claims for multiple pets 📑

Claim management tool - Submit, track, and monitor the status of claims with ease.

Lack of access to pet health records 🏥

Medical history storage - Keep vet visit records, prescriptions, and vaccination details in one convenient location.


To have a pet friend is a total joy, but unexpected bills and concerns can ruin your pet ownership experience. 

✅ Save thousands on vet bills

✅ Never miss a renewal or payment

✅ Keep all pet records in one place

With Hubmee, managing pet insurance is easier. Download the app  IOS / ANDROID / WEB and give your pet the protection they deserve. 



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