What Does Pet Insurance Cover?


Our pets are there for us when we need it most. They provide us with unconditional love and make our lives a little better each and every day. But if they have a medical issue or are in pain, sometimes it is hard to know how to help them until it is too late. That’s why pet insurance is important for your pet’s health and happiness. It will allow you to be proactive regarding your dog’s health instead of reactive. Checkups, visits to the vet, and even many treatment options for various issues can all be supplemented with a pet insurance policy. Keep reading to learn about the types of pet insurance coverage, as well as why it's important to act now.

pet insurance

Most pet insurance plans cover unexpected injuries, unexpected illnesses, surgery, medication, tests/diagnostics, and emergency care and exam fees. At the end of the day, however, coverage depends on what type of policy you purchase. In general, the higher the cost of your policy, the more coverages you will be able to take advantage of.

Types of Coverage

  • Accident-Only: Covers physical accidents, including poisoning, animal bites, and lacerations. Can cover hospitalization and surgery fees.
  • Accident and Illnesses: Covers mild to severe illnesses, including allergies, digestive issues, and cancer. Can cover hospitalization fees, surgeries, and alternative therapies.
  • Wellness: Covers exam fees, lab-work, spay/neuter operations, and vaccinations.

What Does Pet Insurance Not Cover?

  • Pre-existing conditions
  • Pets over a certain age (depending on your provider)
  • Intentional harm caused by the owner 
  • Certain prescription medications 

How Does it Work

Unlike health insurance for humans, you will have to foot the bill upfront for your pet’s health needs. You will then be able to submit your expenses to your pet insurance provider. After paying a deductible agreed upon by you and your provider, you will be reimbursed. It’s important to keep in mind, however, that many providers include an annual reimbursement limit on their policies. This annual reimbursement limit may be negotiable. Make sure to check with your pet insurance provider to clarify exactly what you as the policy holder are paying for as well as how you can maximize your coverage options. In addition to this, much like human health insurance, pet insurance policies have deductibles you must meet before the coverage kicks in. Policyholders can choose the deductible amount they are comfortable paying, typically ranging between $200 and $1,000. As a rule, the lower your deductible, the higher your premium will be.

Why is it Important?

Like health insurance for humans, pet insurance provides us with both financial security and peace of mind. It also allows us to give our pets the care that they deserve. With that being said, it is important to invest in the future of your pet as soon as possible. If you are able, try to have pet insurance taken care of before you bring your pet home. This will allow you to make the most out of your policy and enjoy the first few days of having your pet at home.