Pet Insurance

Vet bills shouldn't be the reason you can't do right by your pet. Coverage that makes the decision easier.

Pet insurance works differently from most policies. It reimburses you after you pay the vet, rather than paying the provider directly. Understanding how deductibles, reimbursement percentages, and annual limits work together is the key to picking a plan that actually fits your pet and your budget. We'll walk you through what's worth paying for and what's not.

Core Coverages

The three areas most pet policies are built around.

Accident & Illness

The broadest coverage. Pays for unexpected injuries and diagnosed conditions, from broken bones to cancer treatment. Most policies start here.

Wellness & Preventive

Optional add-on covering routine care like annual exams, vaccines, flea prevention, and dental cleanings. Worth it if you use it consistently.

Liability (Dog Owners)

Some carriers offer pet liability riders that cover bites and related incidents. Worth reviewing alongside your homeowners or renters policy.

Frequently Asked Questions

+Does pet insurance cover pre-existing conditions?

Generally not. Most pet insurance policies exclude conditions that existed before the policy start date or during the waiting period. This is one of the strongest reasons to get coverage while your pet is young and healthy. Some carriers do cover curable pre-existing conditions after a symptom-free period.

+How does reimbursement work?

You pay the vet bill upfront, then submit a claim. The insurer reimburses you based on your plan's reimbursement percentage (typically 70–90%) after your deductible is met. Most claims are processed within a few weeks.

+Are there annual or lifetime limits?

Policies vary widely here. Some have annual limits, some have per-condition limits, and some are unlimited. For pets with ongoing conditions, unlimited annual benefit plans offer the most protection, though they cost more. We'll lay out the options side by side so you can see the trade-offs.