Pet insurance helps cover **veterinary costs** if your pet gets sick or injured. It’s designed to make unexpected vet bills more manageable, especially for emergencies or long-term illnesses.

 

What pet insurance usually covers

 

Accidents: Injuries from things like falls, car accidents, or swallowing objects

Illnesses: Infections, allergies, digestive issues, cancer, and chronic conditions Emergency care: ER visits, surgeries, and hospital stays*

Medications and treatments: Prescription drugs, tests, and procedures

 

Some plans also offer **wellness add-ons**, which can help pay for:

 

Routine checkups

Vaccinations

Flea, tick, and heartworm prevention

Dental cleanings

 

What pet insurance usually does NOT cover

 

Pre-existing conditions  (illnesses or injuries your pet had before coverage started)* Cosmetic procedures

Breeding or pregnancy costs

Some **preventive care**, unless you buy a wellness plan

 

How pet insurance works

 

1. You pay the vet bill upfront.

2. You submit a claim to the insurance company.

3. The insurer reimburses you based on your plan (for example, 70–90% after the deductible).

 

What affects the cost

 

Type of pet (dog, cat, exotic)

Breed (some breeds have higher health risks)

Age (older pets usually cost more)

Coverage level, deductible, and reimbursement rate

Where you live

 

Why people choose pet insurance

 

Vet care can be expensive, especially for emergencies.

It helps owners make medical decisions based on what’s best for the pet, not just cost.

It provides peace of mind for long-term care

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When pet insurance is most useful

 

For **young pets**, before health problems develop

For breeds prone to genetic conditions*

For owners who want protection from large, unexpected bills

 

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