What does pet insurance cover?

What does pet insurance cover? What pet insurance covers depends on the size and type of pet. It covers a variety of pet health and wellness services to protect your pets and ensure that you have the funds in the event of an emergency. Pet insurance rates are $10/month.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Nov 26, 2021

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The Rundown

  • Pet insurance covers a range of pet medical care expenses, like treatment for injuries and illnesses and preventative care
  • Similar to health insurance for humans, pet insurance may have limitations and exceptions to its coverage
  • Pet insurance is especially helpful for those who do not have the means to pay out of pocket for their pet’s serious injury or illness

Seeking out proper insurance coverage is not an easy task. There are many types of insurance coverage, and even more insurance options for each one.

Apart from basic life, car, health, and homeowners insurance policies, many people choose to invest in additional insurance policies. These policies offer extra coverage for their valued items.

Those with pets might opt to add pet insurance so that their furry family members are also covered.

What does pet insurance cover? Keep reading to learn more about what is covered by a pet insurance policy, pet insurance costs, and more.

Before learning more about what pet insurance covers, enter your ZIP code into our free online tool for the best pet insurance companies in your area.

What does pet insurance cover?

If you have a pet, you know that various health situations occur that can impact you financially. Pet insurance covers your pet’s health expenses. It can save you tons of money in the long run.

When you buy pet insurance, you’re purchasing a health insurance policy that pays a portion of your pet’s health expenses. These expenses include costs related to illnesses, accidents, and wellness care.

As you look further into pet insurance, you’ll find that there is a comprehensive insurance policy that applies to a wide range of health-related expenses.

Some of the specific services that pet insurance covers include:

  • Chronic illnesses (i.e., allergies)
  • Common illnesses (i.e., ear infections)
  • Serious illnesses (i.e., cancer)
  • Hereditary conditions
  • Testing and diagnostics
  • Surgeries
  • Hospitalization
  • Holistic and alternative procedures (i.e., acupuncture)
  • Wellness procedures (i.e., vaccinations)

Because a comprehensive pet insurance policy covers such a wide range of services, this will also be the most expensive pet insurance policy you can buy.

If you don’t feel that you need a policy that covers all of these services, you can look into buying one that only covers specific needs or has fewer benefits.

For example, some less comprehensive pet insurance policies only cover accident-related expenses. Although these policies are significantly cheaper, they will leave you to pay for any non-accident-related services out of your own pocket.

Some situations not covered by pet insurance include pre-existing conditions, breeding costs, preventative care, and cosmetic procedures. Pet insurance liability is usually covered under your homeowners insurance policy.

The best way to get the coverage you need is to look at multiple pet insurance companies until you find the right fit.

Enter your ZIP code into our free online tool for the best companies that offer pet insurance in your area.

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Which insurance companies offer pet insurance?

Finding an insurance company that offers the coverage you need can be a challenge. Fortunately, quite a few insurance companies offer pet insurance.

Some of the insurance companies that offer pet insurance include:

  • ASPCA Pet Health Insurance
  • Figo
  • Trupanion
  • Embrace Pet Insurance
  • PetPlan
  • Pets Best
  • Nationwide
  • Healthy Paws

The right company for you depends on what kind of coverage you need. For example, some companies may offer accident-only coverage, while others provide only comprehensive plans.

Your current home or auto insurance company may even offer pet insurance policies for you to choose from.

We recommend that you talk with your insurance agent about which pet insurance policy to choose. Compare multiple companies that offer pet insurance policies.

How much is pet insurance?

Pet insurance is typically cheaper than a human health insurance policy. However, the price of pet insurance varies based on a few factors.

Insurance companies that offer pet insurance often gauge their pet insurance quotes based on the type of insured animal. Cat insurance will typically cost you less than dog insurance. Similarly, insuring a small dog will cost you less than a large dog.

Pet insurance might cost anywhere from $10.71 to $585.40 every month, depending on the type of insurance policy you choose.

A policy with basic coverage will cost less than a comprehensive policy with riders.

However, some insurance companies offer discounted pet insurance rates to policyholders insuring more than one pet on the same policy. This can make paying for pet insurance a lot more affordable.

Is pet insurance worth it?

Many pet owners find themselves asking whether pet insurance is worth the hassle and the money. Seeing as pet insurance is an additional insurance policy, asking this question makes sense.

If you’re planning to purchase comprehensive pet insurance for dogs or cats, you should understand that the cost of pet insurance is higher than the regular cost of providing medical treatment for your pet.

However, before you decide against purchasing pet insurance coverage, you may want to consider a few things. For example, think about if your pet has a chronic illness and whether or not your current budget can support it.

You should also consider how many pets you have, and the limitations and requirements of your pet insurance policy.

Knowing exactly which coverages you need before you buy cat or dog health insurance can save you money in the long run.

Ready to buy affordable pet insurance? Enter your ZIP code into our free online tool for the best companies that offer pet insurance in your area.

  1. https://www.iii.org/article/facts-about-pet-insurance

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