Pet insurance helps cover the cost of veterinary care if your pet becomes ill or is injured. Just like human health insurance, you pay a monthly or annual premium, and the insurer reimburses a portion of eligible vet bills. It’s most commonly purchased for dogs and cats, though some insurers cover other pets like rabbits, birds, and horses.
What it covers
- Veterinary fees for accidents and illnesses
- Surgery and hospitalization
- Diagnostic tests (X-rays, blood work, scans)
- Prescription medications
- Specialist referrals and treatments
- Cancer treatment
- Dental treatment for accidents (routine dental varies)
- Third-party liability (for dogs — legally required in some places)
What it doesn’t cover
- Pre-existing conditions (conditions your pet had before the policy started)
- Routine wellness care (vaccinations, flea treatment — unless added)
- Elective procedures (tail docking, ear cropping)
- Breeding and pregnancy-related costs
- Behavioral training (usually excluded)
- Food and special diets
How to choose
Consider your pet’s breed — some breeds are predisposed to specific health issues. Compare annual claim limits, reimbursement percentages, and whether the policy covers hereditary conditions. Check for age limits and whether premiums increase as your pet ages. Lifetime policies provide the most comprehensive coverage for chronic conditions.