For Consumers

What's covered and not covered under pet insurance

What is pet insurance?

It’s insurance that may help pay for veterinary bills if your pet is hurt, sick or needs routine preventive care. Most plans cover dogs and cats. Some plans will cover other types of animals.

When shopping for pet insurance, you’ll want to compare the different policy options that are available and also find out what the policy does and doesn't cover.

Pet insurance policies may cover:

  • Accidents
  • Surgeries
  • Prescriptions
  • Emergencies
  • Illnesses
  • X-rays
  • Hospitalizations
  • Wellness checks

Not all plans cover:

  • Preventive care
  • Dental care not associated with an accident or injury
  • Treatment for behavioral problems
  • Breed-specific hereditary conditions (limited benefits may apply to treatment)
  • Elective procedures
  • Congenital conditions (limited benefits may apply to treatment)

Questions to ask about coverage:

  • Can I keep my current vet?
  • Is there a waiting period involved before coverage takes effect?
  • Are routine wellness exams covered?
  • Does the plan cover chronic or recurring conditions?
  • Is neutering or spaying covered?
  • If my pet has a pre-existing or hereditary condition, does the plan cover it?
  • Is prescription drug coverage included?
  • Does the plan cover advertising costs and rewards if my pet is lost or stolen?
  • Does this plan make payouts if my pet is being treated and dies?