Why Pet Insurance Claims Spike During the Holidays

​The holidays bring joy, family gatherings, and festive food — but also unexpected dangers for pets.

​Learn why pet insurance claims often rise this time of year and how to keep your furry family members safe (and out of the vet’s office).

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A Season of Celebration… and Surprises
The holidays are a time for family, food, and fun — but they can also be one of the busiest times of year for veterinarians.

According to data from Nationwide Pet Insurance and Trupanion, pet insurance claims increase by nearly 20% during November and December, largely due to accidental ingestions, injuries, and stress-related illnesses.

From rich holiday foods to festive decorations, pets are surrounded by new sights and smells that can pose real risks if left unsupervised.

🍗 Common Holiday Hazards for Pets
Here are some of the biggest culprits behind the seasonal spike in claims:
1. Dangerous Foods

• Fatty foods like turkey skin, gravy, and ham can trigger pancreatitis.
• Chocolate, grapes, onions, and artificial sweeteners (especially xylitol) are toxic to dogs.
• Even “safe” treats in large amounts can upset a pet’s stomach.

2. Holiday Décor

• Tinsel, ribbons, and ornaments can cause choking or intestinal blockages.
• Electrical cords from lights and decorations are tempting chew targets.
• Candles and fireplaces add warmth but can easily burn a curious paw or tail.

3. Cold Weather Risks

• Outdoor pets are prone to frostbite, dehydration, and exposure to antifreeze — which is deadly if ingested.
• Salt and ice-melt products can irritate paw pads or cause illness if licked off.

4. Holiday Stress

• Visitors, loud noises, and disrupted routines can lead to anxiety and even aggression.
• Cats may hide or stop eating; dogs may bark excessively or act out.

💰 How Pet Insurance Can Help
Accidents happen — even to the most careful pet parents.
Pet insurance helps cover unexpected vet bills, including emergency visits, surgery, and medications, giving you peace of mind when the holidays get hectic.

Whether you have a playful puppy or an aging cat, the right plan can make a world of difference if disaster strikes during the busiest time of the year.

🏠 Holiday Safety Tips for Pet Parents

• Keep food out of reach and secure trash cans.
• Use pet-safe holiday plants (avoid poinsettias, mistletoe, and holly).
• Anchor Christmas trees to prevent tipping.
• Create a quiet, comfortable space for your pet when hosting guests.
• Stick to normal feeding and walk routines as much as possible.

❤️ Final Thoughts
​The holidays should be a time of love, laughter, and togetherness — not emergency vet visits.
By being mindful of potential hazards and considering pet insurance, you can help ensure your furry friends stay safe, healthy, and part of the holiday memories for years to come.

Disclaimer:
This article is for informational purposes only and not intended as veterinary or insurance advice. Coverage options vary by provider. Always check your policy details and consult a licensed insurance or veterinary professional.