Over the years we’ve had numerous pet insurance inquiries.
We’ve partnered with Prudent Pet and can offer direct pet insurance coverage.
What Does Pet Insurance Pay For?
Pet insurance pays you back for unexpected vet bills related to accidents, injuries, and illnesses. With the best insurance companies, you get reimbursed for 80%, 90%, or even 100% of the vet bill (after your deductible is met).
Like most insurance options, you’ll pay a monthly premium to keep your coverage active. Once your deductible is met, you can expect your insurance provider to pay for your pet’s eligible expenses, based on your reimbursement rate, up to your policy’s limit.
What Most Plans Cover:
- Accidental injuries (foreign object ingestion, broken bones, bite wounds, and more)
- Unexpected illnesses (skin allergies, gastrointestinal issues, glaucoma, and more)
- Chronic disease (diabetes, arthritis, heart conditions, and more.)
- Dental illnesses (periodontal disease, gingivitis, tooth resorption, and more)
- Hereditary conditions (i.e. hip dysplasia, hyperthyroidism, von Willebrand disease, and more)
- Surgery (bloat, cruciate ligament conditions, cataracts, and more)
- Cancer diagnosis and treatment
- Prescription medications
- Diagnostic testing (i.e. fecal exams, allergy tests, x-rays, bloodwork, MRIs, and more)
- Emergency exam fees
Many providers offer additional coverage benefits that can make caring for your furry friend more affordable. Depending on what features you want from a pet insurance plan, you could also get reimbursed for the cost of:
- Alternative treatments like physical therapy, acupuncture, and chiropractic care
- Behavioral modification therapy
- Vacation cancelation fees
- Lost pet advertising and reward
- Breeding and pregnancy expenses
- End-of-life care, euthanasia, and cremation or burial
What Pet Insurance Doesn’t Cover:
No pet insurance will cover pre-existing conditions. However, some providers will cover curable conditions after a certain waiting period with no recurring symptoms. Also, pets with a pre-existing condition are still eligible for insurance, their coverage would only exclude the specific condition that already exists.
Other pet insurance coverage exclusions may include:
- Pet supplies (food, toys, treats)
- Cosmetic procedures
- Elective surgeries
- Routine care/Wellness exams*
- Preventive care*
- Boarding or daycare
- Pet property damage
- Personal liability claims
- Specific exclusions
*If you’re interested in plans that reimburse for routine and preventive care (checkups, vaccinations, spay/neuter, dental cleaning), consider a Wellness Plan add-on.