Personal Insurance

FAQs: Pet Insurance

Pet Insurance Cat

Do you have a pet that you adore? Many insurance providers now offer pet insurance to help manage health costs for your pets. Here are answers to some of the most asked questions about insuring pets:

How does pet insurance work?

Pet insurance is a way to save money on medical costs when your pet gets sick or injured. Premiums for most pet insurance plans are paid monthly. Unlike human health insurance, pet owners pay the vet bills in full and then file a claim with their insurer to be reimbursed.

What is the average cost of pet insurance per month?

The cost varies widely, but premiums are generally between $20 to $100 per month. Premiums are determined by the age and breed of the animal, your location, and the deductible and reimbursement level you choose. There are discounts available, such as a spay/neuter discount, annual pay discount, and multi-pet discount.

What is covered?

Pet insurance is a health insurance plan covering illnesses and injuries of pets. This can include veterinarian services, emergency room visits, and specialists. Most plans insure costs due to accidents and injuries caused by motor vehicles. Some providers offer wellness coverage for care such as vaccinations, flea and tick treatments, and annual exams.

What is NOT covered?

Standard pet insurance does not cover everything. The most common exclusions are pre-existing conditions, dental disease, behavior issues, hereditary conditions, and hip dysplasia.

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