Pet Insurance FAQ

Pet insurance helps cover the cost of veterinary care if your pet gets sick or injured. You typically pay the vet bill up front, then file a claim with your insurance provider to get reimbursed for eligible expenses based on your plan's coverage, deductible, and reimbursement percentage.

Most plans cover accidents and illnesses - like broken bones, infections, surgeries, cancer treatments, and chronic conditions. Some plans also include diagnostic tests, medications, and emergency care. Coverage depends on the policy you choose and may vary by provider.

Exclusions vary by policy, but most plans do not cover pre-existing conditions, cosmetic procedures, breeding costs, or elective surgeries. Some plans may also exclude dental care or routine wellness unless you add a wellness package.

Premiums depend on your pet's species, breed, age, and where you live. On average, dog insurance costs more than cat insurance, and older pets typically cost more to insure. You can often adjust your deductible, coverage level, and reimbursement percentage to fit your budget.

It depends on your pet's health and your financial situation. Vet bills can be expensive and unexpected - pet insurance gives you peace of mind and can help you avoid tough choices if a major health issue arises. Many owners find it's worth it for the protection and planning it provides.

Yes, most pet insurance plans allow you to use any licensed veterinarian, specialist, or emergency clinic in the U.S. Unlike human health insurance, there are usually no networks or restrictions on where you can go for care.

The best time to get pet insurance is when your pet is young and healthy - that way pre-existing conditions are less likely to be excluded. Many providers have minimum and maximum age limits, but most allow enrollment as early as 6-8 weeks of age and up to a certain senior age.

You'll choose a deductible (what you pay before insurance kicks in) and a reimbursement level (typically 70%, 80%, or 90%). For example, if your vet bill is $1,000 and you have a $250 deductible and 80% reimbursement, you'd pay $250 + 20% of the remainder.

Not by default. Basic accident-and-illness plans usually do not cover wellness care. However, many companies offer optional wellness plans that cover vaccines, exams, dental cleanings, and preventive treatments for an additional cost.

Most pet insurance companies allow you to insure multiple pets under one account, but each pet usually has its own policy. Some providers offer a multi-pet discount, making it more affordable to cover all your furry family members.