Many people consider their pets family members. We can help you make the right decision for your beloved animal.

Pet insurance can help reduce worries about an unexpected medical bill for your pet. You don't know what's going to happen to your pet in the future, so for some people, just having the peace of mind a good insurance policy can bring makes the cost of premiums worth it.

Frequently Asked Questions

  • How does𝔍 pet insurance differ from health inꦡsurance for people?

    There are a few striking differences. There are no veterinarian networks: You can generally use your pet insurance at any licensed veterinarian. Because of this, pet insurance works on reimbursement: You pay the provider, file a claim, and the insurance company reimburses you minus deductible, copay, and any uncovered expenses. Pet health insurance is technically🍃 a form of property and casualty insurance, not health insurance.

    Learn More: The Veterinarian's Perspective on Pet Insurance
  • What does pet insurance cover?

    In many ways, pet insurance is similar to health insurance for humans, but it does have some restrictions. The three main types of coverage🎐 are wellness, accident, and comprehensive. Within each type of coverage, many insurers offer various levels of optional coverage.

    Learn More: What Does Pet Insurance Cover?
  • What if my pet isn’t a cat or a dog?

    If your pet isn’t a cat or a dog, your options may be limited but there are still some forms of coverage. Insurance for other pets usually falls into one of three categories: avians (birds), exotics, or horses. Nationwide insures horses, as well as birds and exotics. Several other companie📖s also insure horses.

    Learn More: Insuring Your Parrot, Ferret, Potbellied Pig, or Hors🌌e
  • Can you get insurance for routine pet care?

    Generally, pet insurance plans do not cover preventive treatments and wellness care is often excluded. But some companies offer separa๊te pet wellness plans.

    Learn More: How To File a Pet Insurance Claim
  • What is the best type of pet insurance to get?

    When something really bad happens, insurance is worth the years of premiums you paid. For routine or relatively minor problems, you’re probably better off putting the monthly premium into a kitty or doggy emergency fund to pay for those unexpected bills. If you elect to purchase pet insurance for catastrophic care, ge🧸t the highest deductible you can comfortably afford.

    Learn More: How Does Pet Insurance Work?
  • Which pets are more expensive to care 🔯for, cats or dogs?

    Probably dogs. According to the American Pet P♚roducts Association, the average 10-year cost to care for a dog is $13,810. That figure includes food, toys, grooming, vitamins, food treats, and routine veterinary care, among other 🔯things. For a cat, the average 10-year cost is $9,080.

    Learn More: The Economics of Pet Ownership

Key Terms

  • Pet Insurance

    Pet insurance is a policy purchased by a pet owner to offset the overall cost of their animal’s medical bills. As with human health insurance, there is usually a deductible, which is an out-of-pocket expense before the coverage begins꧂. Most providers will base the amount of the insurance premium on the average cost of veterinary care in the owner’s region.

    Learn More
  • Insurance Premium

    An insurance premium is the amount of money an individual or business must pay for an insurance policy that covers healthcare, auto, home, or life insurance. Premiums for pet health insurance are often paid monthly. A variety of factors, including your location, and the age of the pet and the type of breed, will play in part in the cost of the premium. For example, it's usually more expensive to insure purebred animals than mixed breeds. Some breeds that are prone to hereditary issues will likely have higher premiums. 

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  • Insurance

    Insurance is a contract (policy) in which an insurer indemnifies another against losses from sp🔥ecific contingencies or perils. For pets, insurance helps offset the sometimes high cost of primary pet care, which includes annual exams and vaccines, blood work, and specialized areas such as neurology and oncology. Also, pets may have medical emergencies, just like their human owners.

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  • Preexisting Condition

    A preexisting condition is 🐈a health condition that existed prior to applying for health or life insurance. Some insurers may choose to exclude certain preexisting conditions from coverage, including illness, injuries, behavioral issues, and congenital health problems. A pet with a preexisting condition is not necessarily barred from getting coverage, but you may want to comparison shop and see how this impacts the available coverage options. Pet insurance companies may distinguish between curable and incurable preexisting health conditions.

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  • Deductible

    Your health insurance deductible is the amount you pay before your insurance plan's benefits begin for the year. As with human health insurance, there is usually a deductible for pet insurance. Unlike human health insurance, though, some pet health insurance will offer a discount in the deductible amount each year that you don’t file a claim.

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  • Reimbursement

    Reimbursement is money paid to an employee or customer, or another party, as repayment for a business expense, insurance, taxes, or other costs. Most pet insurance operates through an arrangement in which you pay up front and are reimb🌸ursed after tr🌱eatment.

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  • Out-of-Pocket Expenses

    Out-of-pocket expenses refer to costs that individuals pay out of their own cash reserves. For pet insurance, this would include any deductibles as well as any procedures and services not covered by your plan.

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