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.

Pet ownership, veterinary use, and beliefs regarding veterinary care were elicited through the use of a nationally representative survey of 997 U.S. residents. Fifty-one percent of respondents have or had a dog in the past five years and 37% have or had a cat in the past five years. Over ninety percent of cat and dog owners had visited a veterinarian at any time, but only about 40% visited a veterinarian annually. With the rise of options in veterinary medicine, including low-cost options for vaccines and spay/neuter, further study and analysis of pet-owners use of veterinary care is warranted. Fifty-four percent of dog owners and 40% of cat owners who went to a low-cost spay/neuter clinic also went to a veterinarian/clinic/practice. This finding suggests that pet-owners who use low-cost options do so in a manner that supplements rather than replaces traditional veterinary care. Logit models were employed to evaluate the relationship between dog and cat owner demographics and visiting a veterinarian. The probability of visiting a veterinarian increased with age and income for dog owners.