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Pet Insurance Coverage

Pet Insurance Coverage: What’s Covered, What’s Not

Pet insurance coverage will vary slightly depending on the insurance company you select, but many of them are similar. As your pet grows older you may find yourself incurring new health care costs for your pet due to age-related issues, preventive care, or injury. Pet owners don't need anyone to tell them about the high cost of veterinary visits and why insurance is a smart move. Learn more about what is covered under a typical pet insurance plan, what's not covered, and compare plans from each insurance company.
You don't need to go into debt to keep your pet healthy. You can get pet insurance coverage that will cover an accident, illness, prescriptions and medication, surgical procedures, and more. Most people know that insurance is a good idea, but they don't know what they will get for their money. What exactly is covered and what isn't? Although this varies per provider, some basic items are covered in most plans.

Some of the items typically covered by pet insurance plans include:
  • Accidents
  • Hospitalization
  • Illnesses
  • Medications
  • Diagnostic tests
  • Surgical Procedures
  • Lab Fees
  • X-rays
  • Annual Exams
  • Behavior training
  • Spay or neuter
  • Heartworm protection
  • Vaccinations
So what isn't covered? Some common exclusions include:
  • Preexisting conditions
  • Elective surgical procedures
  • Breeding or conditions related to breeding
  • Special diets
  • Pet foods
  • Vitamins
  • Grooming costs
  • Orthodontics
  • Endodontics