Pet Insurance Frequently Asked Questions

Most pet insurance plans help pay for unexpected vet bills from accidents and illnesses, such as emergency visits, surgeries, diagnostic tests, prescriptions, and hospitalization. Some plans also offer optional wellness coverage for routine care like vaccines, annual exams, and dental cleanings.

Most pet insurance providers do not cover pre-existing conditions, meaning any illness or injury your pet showed signs of before the policy started. Some companies may cover “curable” pre-existing conditions after a waiting period with no symptoms.

Usually, you pay the vet bill upfront, submit a claim, and then the insurance company reimburses you based on your plan. Your reimbursement depends on your deductible, reimbursement percentage, and annual or per-condition coverage limits.

The best time is when your pet is young and healthy, since premiums are often lower and fewer conditions will be considered pre-existing. Coverage can still be helpful for older pets, but it may cost more and have more exclusions.

Monthly costs vary based on your pet’s age, breed, location, and the coverage you choose. Plans can range from lower-cost accident-only options to more expensive accident-and-illness plans with higher reimbursement rates and lower deductibles.