Pet Insurance
Dog Insurance
Help protect your dog against eligible unexpected illnesses, accidents, injuries and medical treatment. Coverage and cost
can vary based on age, breed, location and selected plan.
Cat Insurance
Pet insurance can help manage eligible veterinary expenses when your cat becomes sick or injured, including diagnostics,
treatment, hospitalization and other covered medical care.
Keep Your Veterinarian
Unlike traditional human health insurance, pet insurance generally does not require you to choose from a narrow provider network. Coverage may allow treatment by licensed veterinarians, including eligible emergency and specialist care.
What Can Pet Insurance Cover?
Coverage varies by insurance company and plan, but accident and illness policies may provide benefits for many of the veterinary expenses pet owners face. Below are some examples.
Diagnostics
- Blood tests and laboratory work
- Urinalysis
- X-rays
- Ultrasound
- CT scans when covered
- MRI when covered
- Behavioral examinations when eligible
- Other covered diagnostic testing
Medications & Medical Conditions
- Prescription medications when covered
- Chronic conditions that develop after enrollment
- Eligible hereditary conditions
- Blood disorders
- Eye disorders
- Musculoskeletal disorders
- Respiratory conditions
- Other eligible illnesses
Treatment
- Surgery and hospitalization
- Emergency veterinary treatment
- Specialist veterinary care
- Cancer treatment when covered
- Veterinary examination fees when eligible
- Dental illness or injury when covered
- Rehabilitation on certain plans
- Other covered medical treatment
Preventive & Wellness Options
- Routine wellness examinations
- Vaccinations
- Flea and tick medications
- Parasite testing
- Heartworm testing
- Heartworm medication
- Routine blood testing
- Routine dental cleaning when included
How Pet Insurance Works
Choose Your Coverage
Select from available coverage options, deductibles,
reimbursement percentages and annual benefit limits to find
a plan that fits your needs and budget.
Visit Your Veterinarian
Pet insurance is generally designed to let you receive treatment
from licensed veterinarians rather than requiring you to select
a doctor from a traditional health insurance provider network.
Submit Eligible Expenses
After receiving veterinary care, eligible expenses can generally
be submitted for reimbursement according to the deductible,
reimbursement percentage, limits and terms of your policy.
Build Coverage Around Your Pet
The cost of pet insurance can depend on several factors,
including your pet’s age, breed, where you live and the amount
of coverage you select.
Available plans may allow you to adjust your deductible,
reimbursement percentage and annual benefit limit so you can
balance premium cost with the amount of financial protection
you want.
Unexpected Accidents
Coverage may help with eligible expenses resulting from unexpected injuries, emergency veterinary visits, swallowed objects, broken bones and other covered accidents.
Illnesses
Eligible illness coverage may help with veterinary expenses associated with infections, allergies, digestive problems,
chronic conditions, cancer and other covered medical conditions.
Advanced Veterinary Care
Depending on the policy, covered care may include diagnostic testing, imaging, hospitalization, surgery, prescriptions,
specialists and other medically necessary treatment.
Don’t Wait Until Your Pet Is Sick or Injured
Pet insurance is designed primarily for future accidents and illnesses. Pre-existing conditions are generally excluded, and waiting periods may apply before certain coverage becomes effective. Obtaining coverage while your pet is healthy can help protect against eligible medical conditions that develop in the future.
Pet Insurance Frequently Asked Questions
What is pet insurance?
Pet insurance helps pay eligible veterinary expenses when an insured dog or cat has a covered accident or illness. The benefits, deductibles, reimbursement amounts and limits depend on the insurance company and plan you select.
Can I use my own veterinarian?
Many pet insurance plans allow treatment from licensed veterinarians without requiring the use of a traditional health insurance provider network. Specific requirements depend on the policy.
How does reimbursement work?
Depending on the policy, you typically pay the veterinarian and then submit eligible expenses to the pet insurance company. Covered expenses are reimbursed according to the deductible, reimbursement percentage, policy limits and other terms of the plan.
Does pet insurance cover pre-existing conditions?
Pet insurance generally does not cover pre-existing conditions. Definitions and treatment of certain conditions can vary by insurer, so the specific policy terms should always be reviewed.
Does pet insurance cover routine checkups and vaccinations?
Standard accident and illness coverage generally focuses on unexpected medical conditions. Some companies offer optional or separate wellness benefits that may cover eligible routine examinations, vaccinations, testing and preventive care.
What determines the cost of pet insurance?
Premiums can vary based on factors such as your pet’s age, breed, location and the coverage options you select. Deductible, reimbursement percentage and annual limits can also affect the cost.
When should I buy pet insurance?
Because pre-existing conditions are generally excluded, many owners purchase coverage while their pet is young or healthy rather than waiting until a medical problem develops.
Can I insure an older dog or cat?
Age eligibility varies by insurance company. Some insurers offer coverage for older pets, although rates, eligibility and available benefits can differ.
Protect Your Pet — and Your Budget
An unexpected veterinary bill should not force you to choose between your finances and the care your pet needs. See available pet insurance options and get your personalized quote.
This page provides general information only and is not an insurance contract or guarantee of coverage. Coverage, eligibility, benefits, deductibles, reimbursement percentages, annual limits, waiting periods, exclusions, definitions, rates and availability vary by insurer, policy, plan and state. Pre-existing conditions are generally excluded. All coverage is subject to the actual terms, conditions, limitations, exclusions and underwriting requirements of the policy issued by the insurance company.