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Pet Insurance in Alabama

Pet Insurance in Alabama

Alabama residents love animals, with Alabama being one of the states with the most dog owners, according to the U.S. Pet Ownership & Demographics Sourcebook. With about 19,804 dogs and 3,461 cats, that’s a lot of veterinary care!

According to Banfield, Alabama dogs and cats have a higher incidence of fleas, ticks and intestinal parasites than the rest of the country. Alabama dogs also suffer from diabetes, kidney disease and arthritis at a little higher rate than the nationwide average.

Dog (and Cat!) Friendly Alabama

Dogs are a big part of life in Alabama, and they are welcome at a lot of hiking trails, beaches and parks in this state. Beyond the typical off-leash dog parks, there is even a Beneful Dream Dog Park in Alabaster that boasts synthetic turf (no dirty dogs here!), water splash pads, tunnels and hoops, a walking course, a miniature fetch football field and more. Sounds like dog heaven.

Pets in the office aren’t as popular in Alabama, but you may be able to convince your employer to let you bring your furry friend on Take Your Dog to Work day, celebrated after Father’s Day.

Veterinary Costs in Alabama

Alabama pet parents can expect to spend about $1000-$1100 per year on emergency veterinary care. Since pet insurance can run about $400-$500 per year, this is great protection against the unexpected. Additionally, Petplan estimates that on average, a pet parent is handed a bill for $3,000 for emergency pet care every six seconds, so obviously some costs are on the higher side.

According to an ASPCA research study, the majority of pet owners will spend between $2,000 and $4,000 on an emergency veterinary situation during their pet’s life. With pet insurance, up to 100% of those costs can be reimbursed, depending on the carrier and the plan.

Where you live in Alabama doesn’t seem to make a difference when it comes to pet insurance costs, which is a bit different than in other states with more of a difference between various areas in terms of size and population. We put together sample quotes from Pets Best Pet Insurance so you can see rates by city.

City Monthly Cost*
Birmingham $26.71
Mobile $29.67
Montgomery $32.41
Gulf Shores $29.67
Huntsville $32.64

*We used the same type of dog, a three-year-old mixed breed dog, weighing 21-50 lbs. for our sample quote. A puppy, a larger dog, or a senior dog would make the quotes different. Cat insurance runs a bit cheaper than dog insurance each month, and many companies have a multiple-pet discount, which usually takes about 10 percent off the second or subsequent pet.

If the cost of pet insurance and pet care is too expensive for pet owners, Alabama has a lot of resources.

Low-income Pet Health Help in Alabama

Sugarbelle Foundation – Pet owners can apply for assistance for food or vet services by helping struggling families afford vet care.

Montgomery Council on Aging Pet Food Program – Meals on Wheels for pets so seniors don’t have to share their food with pets.

Friends of Cats and Dogs Foundation – Birmingham area, focuses on spay/neuter.

Helping Alabama Pets – Helping pets get food, shelter, vet care, spay/neuter and a loving family.

If you live in Alabama, you want your pet to have the same treatment in a health crisis as any member of your family. Having pet insurance is a great way to protect against the “just in case” scenarios.