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Open AccessArticle

The Impact of Pet Health Insurance on Dog Owners’ Spending for Veterinary Services

1
Genetic Program, DNA Genetics, Columbus, NE 68601, USA
2
Economic Development Department, Nebraska Public Power District, Columbus, NE 68602, USA
3
Veterinary Economics Division, American Veterinary Medical Association, Schaumburg, IL 60173, USA
4
Department of Agricultural Economics, Mississippi State University, Mississippi State, MS 39762, USA
*
Author to whom correspondence should be addressed.
Animals 2020, 10(7), 1162; https://doi.org/10.3390/ani10071162
Received: 15 June 2020 / Revised: 3 July 2020 / Accepted: 5 July 2020 / Published: 9 July 2020
(This article belongs to the Section Companion Animals)
Affordability to pay for veterinary services is a challenge for some pet owners. The presence of pet health insurance is one tool that can help alleviate this burden. This study surveyed dog owners, seeking out whether the presence of pet health insurance was a factor in dog owners spending more at the veterinarian, as well as having increased visits to the veterinarian. Results show the presence of pet health insurance had a positive association with spending at the veterinarian, but not with veterinarian visits.
The U.S. pet population is increasing, but access to veterinary care continues to be a concern. One method of alleviating barriers that prevent access to care is the presence of pet health insurance for a pet. Dog owners were surveyed to see the impact of pet health insurance on dog owners’ visits and expenditures at the veterinarian. Using several models, it was found that pet health insurance had a significant and positive impact on the amount spent at the veterinarian. Other dog and dog owner characteristics were found significant in impacting expenditures and visits at the veterinarian. Findings from this study can help address the accessibility issue facing Americans across the country in obtaining affordable pet care. This research is the first which seeks to identify the driving factors behind dog owners’ choices regarding health care for their dogs. View Full-Text
Keywords: pet health insurance; pet ownership; access to care; OLS; negative binomial regression; multinomial logistic regression pet health insurance; pet ownership; access to care; OLS; negative binomial regression; multinomial logistic regression
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MDPI and ACS Style

Williams, A.; Williams, B.; Hansen, C.R.; Coble, K.H. The Impact of Pet Health Insurance on Dog Owners’ Spending for Veterinary Services. Animals 2020, 10, 1162. https://doi.org/10.3390/ani10071162

AMA Style

Williams A, Williams B, Hansen CR, Coble KH. The Impact of Pet Health Insurance on Dog Owners’ Spending for Veterinary Services. Animals. 2020; 10(7):1162. https://doi.org/10.3390/ani10071162

Chicago/Turabian Style

Williams, Angelica; Williams, Brian; Hansen, Charlotte R.; Coble, Keith H. 2020. "The Impact of Pet Health Insurance on Dog Owners’ Spending for Veterinary Services" Animals 10, no. 7: 1162. https://doi.org/10.3390/ani10071162

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