Your pets are a part of your family. Cover them with pet insurance to help pay for vet bills and more.
Pets are family too, make sure they are covered.
Even though pet insurance is effectively health care coverage for your pet, it’s often considerably simpler than your own personal medical insurance. You’ll usually have a deductible and then a copayment. When selecting a policy, you’ll generally only have to choose between three types of coverage: accidents only, accidents and illnesses, or accidents, illnesses, and other medical costs.
What options are available in this type of policy?
Nearly every policy has some form of payout limit. This could be for a single treatment, all treatments for a specific condition, or a total for all treatments during the year. The premium costs will vary depending upon the type and amount of the payout limit, so you’ll need to weigh those options when selecting a policy to cover your pet.
How does pet insurance compare to medical coverage?
Getting insurance for your pet is similar to your own personal medical insurance, with premiums, copayments, deductibles, and coverage limits.
How is the cost determined for pet insurance?
Your premium is calculated based on your pet’s breed, age, and location, as well as the coverage limits you select. In 2026, the average monthly cost for accident and illness coverage typically ranges from:
- Dogs: $35 – $75 per month.
- Cats: $20 – $45 per month. For the most accurate price, we recommend contacting us to see how adjusting your deductible (the amount you pay) and reimbursement percentage (the amount we pay) impacts your rate.
Factors to consider when getting coverage for your pets.
You also have to watch out for a few rules that might surprise you. For example, a policy will often have a waiting period of around two weeks after you take out the policy. During this time you can’t make any claims for illnesses or accidents. Another difference from traditional medical policies is that you usually have to pay the vet bills up front and then make a claim to get the money back from the insurer.
Are you looking to cover your pet with pet insurance? Contact us to go over your coverage options and what works for the needs of your companion.
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Frequently Asked Questions
What options are available in this type of policy?
Most carriers allow you to tailor your coverage through three core plan levels. This flexibility ensures you only pay for the protection your pet actually needs:
- Accident-Only: An affordable safety net that covers emergencies like broken bones, bite wounds, and foreign object ingestion.
- Accident and Illness: The most popular choice, covering everything in the accident plan plus chronic conditions (like diabetes), cancer, and hereditary issues.
- Wellness/Preventive Add-on: An optional rider that reimburses you for routine costs like annual exams, vaccinations, and flea/tick prevention.
Is pet insurance worth it?
Pet insurance is designed to protect you from the “financial heartbreak” of being unable to afford life-saving care. With 1 in 3 pets requiring emergency treatment each year, costs can escalate quickly. For example, a simple surgery to remove a swallowed toy can cost $3,000 or more. For a manageable monthly premium, insurance ensures that your medical decisions are based on your pet’s health, not your bank account balance.
How does reimbursement work?
Pet insurance typically follows a “pay-first, claim-later” model. Unlike human health insurance, you can visit any licensed veterinarian in the country. The process works like this:
- Visit the Vet: You pay the vet bill upfront at the time of service.
- Submit a Claim: You send us a copy of the itemized invoice.
- Get Paid: We calculate your reimbursement based on your plan’s formula:
(Total Covered Bill – Deductible) x Reimbursement % = Your Payout
Does pet insurance cover pre-existing conditions?
No, standard pet insurance policies do not cover pre-existing conditions, which are any illnesses or injuries that showed symptoms before your policy started or during the waiting period. This is why it is critical to enroll your pet while they are young and healthy. While your pet can still be insured if they have a pre-existing condition, any claims related specifically to that known issue will be excluded from coverage.
