What Does Pet Insurance Cover

Pet insurance helps pet owners pay for veterinary care by reimbursing some of the costs of medical expenses. Like health insurance for humans, pet owners pay premiums in exchange for financial help when their pet needs medical treatment.

There are different types of pet insurance plans that offer various levels of coverage. Some basics that most pet insurance plans cover include:

Accidents and Illnesses

This covers veterinary treatment costs if your pet gets sick or injured in an accident. This is the most common type of coverage.


Surgeries and hospitalization, like if your pet needs surgery after an injury or illness.

Cancer Treatments

Treatment for pet cancer, including tests, surgery, chemotherapy, and hospital stays. Cancer coverage is sometimes an optional add-on.


Medications your vet prescribes to treat your pet. Some plans require the condition to be covered first.

X-Rays and Diagnostics

Tests needed to diagnose your pet like bloodwork, x-rays, MRI scans, etc. May be part of an accident/illness plan.

Wellness Care

Preventative care like annual exams, vaccinations, teeth cleanings. Usually an optional add-on.

Other Coverages

Some pet insurance plans may also cover other services like behavioral therapy, physical therapy, alternative therapies, boarding if you’re hospitalized, and more.

Coverage details, caps, limits, exclusions, and reimbursement rates vary significantly between pet insurance providers and specific plans. It’s important for pet owners to read policies carefully and understand what is and isn’t covered before purchasing.

Additional Details on Pet Insurance

Pre-Existing Conditions

Most pet insurance plans do not cover pre-existing conditions, which are illnesses or injuries your pet already had when you started the policy or signs/symptoms that were detectable. This is why it’s recommended to get pet insurance when your pet is young and healthy.

Reimbursement Options

Pet insurance providers offer different reimbursement options, like:

– Payout based on a benefit schedule

– Percentage reimbursement (typically 70-90%)

– Full reimbursement with an annual limit

Choose a plan that aligns with your budget and needs.

Deductibles and Copays

Pet insurance deductibles are typically $100-$500 or more per condition annually. You pay your deductible first, then insurance covers the rest based on your policy. Some have per-visit copays.

Policy Limits

Most pet insurance policies have annual and lifetime monetary limits. Maximum payouts per year or condition may apply. Lifetime coverage limits are often $5,000-$15,000 or more.

Network of Vets

Some insurers have networks of vets you must use. Others allow you to visit any licensed vet. In-network vets may offer a smoother claims process.

#FAQ #Update #AdditionalContent

1. What does pet insurance cover?
2. What is covered by accident and illness insurance?
3. What is covered by accident-only insurance?
4. What is covered by wellness insurance?
5. Is pet insurance worth getting?

Pet insurance can be a lifesaver for pet owners, providing financial support when your furry friend faces unexpected medical expenses. However, it’s crucial to comprehend the intricacies of pet insurance to make an informed decision about which plan is best for your pet. In this comprehensive guide, we break down the various aspects of pet insurance coverage to help you navigate this important decision.

What Does Pet Insurance Cover?

Pet insurance coverage can vary significantly depending on the provider and the specific plan you choose. It’s essential to understand that standard pet insurance typically does not include coverage for routine care, such as checkups and vaccinations. To determine the right coverage for your pet, it’s necessary to grasp the general types of policies and their inclusions. Additionally, comparing policies from different providers is wise, as coverage details can differ significantly.

Types of Pet Insurance Coverage

Pet insurance providers typically offer three primary coverage options:

1. Accident-Only Plans
2. Accident and Illness Coverage
3. Wellness Insurance

Each option comes with specific benefits and restrictions, and these can vary between companies. For example, while most insurers cover a range of illnesses and accidents, some may impose age limits on certain treatments. It’s essential to explore the details of each type of coverage to find the most suitable plan for your pet.

Accident and Illness Coverage

Accident and illness insurance, often referred to as comprehensive policies, covers a wide range of medical conditions. This coverage includes treatment for minor issues like vomiting and diarrhea, as well as more serious conditions like cancer. Typically, expenses such as veterinary examinations, hospitalization, surgery, and prescription medications fall within the scope of this coverage.

However, it’s important to note that hereditary and congenital conditions specific to certain breeds are covered only if a veterinarian diagnoses them after the policy is in place. Pre-existing conditions, meaning those your pet had before enrolling in the insurance, are typically not covered. Some policies also have waiting periods for specific conditions.

Accident-Only Coverage

Accident-only insurance policies reimburse the cost of treating injuries or illnesses resulting from accidents, regardless of whether the pet’s actions caused the accident. While claims for accidents won’t increase your monthly premiums, the cost may be influenced by your pet’s breed and its predisposition to accidents.

Notably, accident-only insurance does not cover medical treatment for incidents in which the pet owner is at fault or accidents resulting from pre-existing conditions. It’s essential to review the policy’s fine print to understand what is and isn’t reimbursed.

Wellness Coverage

Wellness insurance, often referred to as preventative care coverage, can be added as an extension to your primary policy or purchased as a separate stand-alone policy. This coverage typically includes routine veterinary procedures and may extend to services like grooming and training. However, coverage details can vary between providers.

How Does Pet Insurance Work?

Unlike human health insurance, pet insurance typically requires you to pay the full veterinary bill upfront. Afterward, you can submit a claim to your insurance provider and await reimbursement based on the agreed-upon percentage specified in your policy. Pet insurance policies often come with deductibles, and you can choose the deductible amount you’re comfortable with. Lower deductibles lead to higher premiums.

Pre-Existing Conditions

As a general rule, pet insurance does not cover pre-existing conditions. These are medical problems that your pet had before enrolling in the insurance policy. However, some conditions may eventually be covered if your pet remains symptom-free and considered cured for a specific duration, often around 180 days. Definitions of curable pre-existing conditions can vary among insurers, so it’s essential to review the terms before purchasing a policy.

Waiting Periods

Pet insurance policies typically include waiting periods to prevent pet owners from insuring their animals immediately after a diagnosis or symptom appears. The traditional waiting period for most policies is 14 days, although exceptions exist for specific conditions.

Policy Limits

Most pet insurance policies require you to choose coverage limits. These limits may include an annual cap on reimbursed expenses, lifetime limits, and restrictions on treatment costs for a single condition. Additionally, some insurers set age limits on coverage, meaning you may be unable to renew your pet’s policy after a certain age.


Pet insurance policies rarely cover the entire cost of care. Instead, they typically reimburse a set percentage of veterinary bills, such as 70%, 80%, or 90%. Deductibles are the amount you must pay upfront before reimbursement starts, and options usually range from $250 to $1,000.

Is Pet Insurance Worth Getting?

The decision to get pet insurance depends on various factors. Our analysis suggests that pet insurance is most likely to pay off financially if your pet develops a severe, long-term medical condition or experiences a catastrophic accident requiring major surgery. However, it may be less suitable if you’re uncomfortable with subjecting your pet to extensive medical treatments, especially if they are elderly.

Ultimately, whether pet insurance is worth it depends on your individual circumstances and your willingness to invest in your pet’s health and well-being.

How Much Will I Pay for Pet Insurance?

The cost of pet insurance varies based on factors such as your pet’s type, age, breed, gender, the type of policy you choose, co-pay, deductible, and reimbursement level. Additionally, the cost may vary depending on your location, with higher costs in areas with a high cost of living.

The Best Affordable Choice in Pet Insurance

If you’re on a budget but still want to insure your pet, accident-only and wellness policies are among the most affordable options. These policies cover specific aspects of your pet’s health, such as injuries and routine labs. Another budget-friendly approach is to opt for a standard accident and illness policy but choose a low reimbursement rate and a high deductible. This way, you’ll have coverage for major accidents or serious conditions while keeping premiums lower.

Does Pet Insurance Cover Specific Conditions?

Pet insurance typically covers a range of conditions, including hereditary and congenital conditions specific to certain breeds. However, coverage for specific conditions can vary among insurers. It’s essential to review the policy details to understand which conditions are covered and if there are any waiting periods.

Does Pet Insurance Cover Vaccines?

As a rule, standard pet insurance policies do not cover vaccines. Coverage for preventive care, including vaccines, often requires purchasing a policy supplement known as a wellness plan.

Does Pet Insurance Provide a Payout for a Pet’s Death?

Few, if any, pet insurance policies include a death benefit if your pet passes away. However, separate pet life insurance policies are available, covering expenses like burial and the pet’s replacement cost. It’s essential to evaluate the necessity of such coverage, as pets do not leave behind financial responsibilities like humans.


In summary, pet insurance can provide crucial financial support when your pet faces unexpected medical expenses. Understanding the nuances of coverage, including what is and isn’t covered, waiting periods, deductibles, and policy limits, is essential when selecting the right insurance plan for your furry companion.

#FAQ #Update #AdditionalContent

1. What does pet insurance cover?
2. What are the three most common types of pet insurance plans?
3. How does pet insurance work?
4. How much does pet insurance cost?
5. Is pet insurance worth it?

If you have a furry friend in your household, you’re likely to invest in their well-being, including routine veterinary care and medical treatments. Pet insurance can help alleviate some of the financial burdens associated with your pet’s healthcare.

Pet Insurance Plan Types Comparison

There are three primary types of pet insurance plans: accident and illness coverage, accident-only coverage, and wellness plans. The coverage you choose depends on your specific needs and preferences.

Accident and Illness Coverage

This is the most common type of pet insurance and provides coverage for a broad range of issues, including accidents and illnesses. It can cover expenses related to accidents like torn ACLs or swallowing foreign objects, as well as illnesses such as allergies, cancer, and ear infections. While it offers comprehensive coverage, it has its pros and cons.

Accident-Only Coverage

As the name suggests, accident-only coverage focuses solely on accident-related medical expenses. It does not cover illnesses like ear infections or cancer. This type of coverage also has its advantages and disadvantages.

Wellness Coverage

Wellness plans are optional add-ons that cater to routine wellness-related expenses such as annual exams, flea and tick prevention, and vaccinations. They are typically available as supplements to accident and illness policies, not accident-only policies.

Extras to Pet Insurance

Some insurers offer additional coverage options known as riders. These can include non-veterinary benefits like lost pet rewards, boarding fees during hospitalization, cremation or burial for accident-related deaths, and liability coverage for pet-related property damage.

What’s Covered by Pet Insurance?

Pet insurance policies are designed to cover various aspects of your pet’s healthcare. They typically include coverage for:

– **Accidents and injuries:** Medical expenses resulting from accidents.
– **Behavioral therapy:** Costs associated with behavioral therapy.
– **Chronic illnesses:** Medical expenses for chronic conditions.
– **Common illnesses:** Medical expenses for common ailments.
– **Hereditary conditions:** Medical expenses related to hereditary health issues.
– **Holistic and Alternative Procedures:** Certain alternative treatments.
– **Microchip Implantation:** The cost of microchip installation.
– **Prescription Food and Supplements:** Expenses for specialized food and supplements.
– **Prescription Medications:** Costs associated with prescription drugs.
– **Procedures:** Medical procedure expenses.
– **Serious Illnesses:** Medical expenses for severe illnesses.
– **Testing and Diagnostics:** The cost of diagnostic procedures.
– **Wellness Procedures:** Expenses related to routine wellness care.

What’s Not Covered by Pet Insurance?

While pet insurance covers a wide range of medical expenses, there are common exclusions. These typically include pre-existing conditions and elective procedures.

Does Pet Insurance Cover Pet Liability?

Some pet insurance providers offer liability coverage in cases where your pet causes harm to someone or damages their property. Generally, incidents like dog bites are covered by your homeowner’s insurance policy. Specifics can vary, so it’s essential to understand your policy’s terms.

How Does Pet Insurance Work?

Pet insurance operates on a reimbursement basis. You pay for your pet’s vet bills upfront and then submit a claim for reimbursement. You have the flexibility to choose a licensed veterinarian for your pet’s care. Here’s an example of how a pet insurance claim process typically works:

1. Pay the veterinary bill at the time of service.
2. Collect all necessary documents and receipts.
3. Submit a claim to your pet insurance provider.
4. The provider evaluates the claim and reimburses you according to your policy’s terms.

How Much Does Pet Insurance Cost?

The cost of pet insurance varies based on several factors, including your pet’s age, breed, gender, chosen coverage, and location. On average, pet insurance for a dog with unlimited annual coverage costs around $55 per month with a 90% reimbursement rate and a $500 deductible. Cats tend to be less expensive to insure than dogs.

Is Pet Insurance Worth It?

The decision to get pet insurance depends on your financial situation and risk tolerance. Consider how a significant unexpected veterinary bill would impact your finances compared to the annual cost of pet insurance. While pet insurance can save you money in case of a severe accident or illness, it’s an expense to carefully weigh against your budget. Keep in mind that some pet owners prefer setting aside savings for their pet’s medical needs.

Compare Pet Insurance Quotes

To make an informed decision, it’s advisable to compare quotes from various pet insurers. This helps you find the coverage that best suits your pet’s needs and your budget.

Pet Insurance Coverage FAQs

Here are some common questions related to pet insurance coverage:

– **Does pet insurance cover vaccines?** Standard accident and illness plans do not cover vaccines. You’ll need to add optional wellness coverage for vaccine coverage.

– **Does pet insurance pay out if my dog dies?** Most pet insurance plans include end-of-life expenses, like euthanasia, but there may be conditions. For example, coverage may apply if euthanasia is recommended due to a problem covered by your policy.

– **Do any pet insurance providers cover pre-existing conditions?** Some providers cover curable pre-existing conditions, but generally, incurable conditions are not covered. The definition of “pre-existing” may vary between insurers.

– **Why do pet insurance policies have waiting periods?** Waiting periods are in place to prevent fraud involving pre-existing conditions. These periods vary among insurers and are designed to ensure that pet insurance is primarily for unexpected illnesses and accidents.

– **Is there a full coverage pet insurance policy that covers everything?** While comprehensive pet insurance typically includes accident and illness coverage with optional wellness coverage, no plan covers absolutely everything. Incurable pre-existing conditions are universally excluded.

– **Does pet insurance cover hip dysplasia?** Some pet insurance companies do cover hip dysplasia. Coverage terms, waiting periods, and exclusions can vary, so it’s essential to confirm specific details with your chosen insurer.

– **What is the most affordable pet insurance?** The most affordable pet insurance can vary depending on your pet’s characteristics and location. It’s advisable to obtain quotes from multiple insurers to find the best rates for your specific situation.

#FAQ #Update #AdditionalContent

1. What are the different types of pet insurance coverage available?
2. What does pet insurance typically cover in terms of veterinary expenses?
3. What are some common exclusions in pet insurance coverage?
4. How do coverage limits, deductibles, and reimbursement percentages work in pet insurance?
5. What factors influence the cost of a pet insurance policy?

Pet insurance serves as a financial safety net for unexpected veterinary expenses, allowing you to prioritize your pet’s health. However, the scope of coverage can differ significantly between insurance plans. It’s crucial to grasp the nuances of your policy before making a decision.

Types of Pet Insurance Coverage

When you explore pet insurance options, you’ll typically encounter three main types of plans:

1. Accident and Illness: This is the most common type of pet insurance. It covers expenses related to accidents and illnesses. For instance, if your pet gets into an accident or develops a urinary tract infection, this plan would cover the associated veterinary costs.

Why choose this coverage: Accident and illness plans offer broad coverage, making them suitable for a variety of pet health issues. They are also highly customizable and widely available, providing you with numerous options to tailor the coverage to your needs.

2. Accident-Only: These plans have more limited coverage. They specifically cover costs resulting from accidental injuries, such as injuries sustained in car accidents. However, they do not cover expenses related to diseases like cancer or infections.

Why choose this coverage: Accident-only plans may be the only option for older pets or those unable to qualify for accident and illness coverage. They offer emergency coverage at a lower cost.

3. Wellness: Wellness or preventive care plans are typically add-ons to accident and illness coverage. They reimburse you for routine services, such as vaccinations, annual checkups, and preventive care treatments. These plans come with an annual limit.

Why choose this coverage: Wellness coverage can be cost-effective if you anticipate needing the covered services. However, it’s essential to calculate whether the reimbursements will outweigh the cost of the plan.

What Pet Insurance Covers

Pet insurance typically covers various veterinary expenses, including:

– Prescription medicine
– Surgery
– Diagnostic tests
– Hospitalization
– Emergency care

Additionally, coverage can vary among plans and may include:

– Alternative and rehabilitative treatment, such as acupuncture and physical therapy
– Behavioral therapies for issues like aggression or compulsive behavior
– Congenital or hereditary conditions, provided they didn’t show symptoms before policy purchase
– Exam fees (varies by plan)
– Prescription diets and supplements (varies by plan)
– Dental care, with variations in coverage
– Final expenses, like euthanasia, cremation, or burial

What Pet Insurance Doesn’t Cover

Pet insurance plans typically exclude coverage for:

– Pre-existing conditions, which are health issues existing before policy purchase
– Cosmetic or elective surgeries, unless deemed medically necessary
– Routine and wellness care, like vaccinations, spaying, neutering, and dental cleanings (unless you have a wellness add-on)
– Breeding-related expenses, such as pregnancy costs

Other Considerations

It’s important to note that pet insurance often comes with waiting periods before coverage takes effect. The waiting period varies depending on the type of coverage and the insurer. For example, accident coverage may begin after a few days, while illness coverage often has longer waiting periods.

Moreover, you can customize certain aspects of your pet insurance plan, affecting claim payouts:

– Coverage limits: Choose an annual coverage limit that suits your needs.
– Deductibles: Pay a deductible amount before becoming eligible for reimbursement.
– Reimbursement percentages: Plans typically offer reimbursement percentages of 70%, 80%, or 90% after meeting the deductible.

Understanding the Cost of Pet Insurance

The cost of pet insurance varies based on factors such as your pet’s age, breed, and your chosen coverage. On average, in 2022, annual premiums for accident and illness coverage were approximately $640 for dogs and $387 for cats. Accident-only plans had lower average premiums, around $201 for dogs and $122 for cats.

How to Get Pet Insurance

To obtain pet insurance:

1. Determine the type and amount of coverage you need.
2. Obtain quotes from multiple insurance companies. You can often get online quotes from major pet insurers.
3. Ensure that the policies you compare have similar reimbursement levels, deductibles, and annual payout limits to make an informed decision.
4. Read the fine print to understand any restrictions and exclusions.
5. Keep in mind that pet insurance is typically a long-term commitment, so choose a company and coverage level that align with your pet’s needs over time.

Frequently Asked Questions

Does pet insurance cover spaying or neutering? Generally, no, unless you purchase additional coverage for wellness and preventive care. These procedures are typically considered routine care.
Does pet insurance cover dental care? Coverage depends on the plan and the type of dental care. While accidents may be covered, routine dental cleanings are often only covered by wellness plans. Coverage for dental diseases varies by policy.
Does pet insurance cover vaccines? Like spaying and neutering, vaccines are usually considered routine expenses and are not covered unless you have a wellness add-on.
Does pet insurance cover pre-existing conditions? Pre-existing conditions are almost never covered. Some companies may make exceptions for curable conditions without recent symptoms.
Does pet insurance cover surgery? Most pet insurance plans cover medically necessary surgery unless it’s for a pre-existing condition or specifically excluded.
Does pet insurance cover medication? Pet insurance generally pays for prescribed medications related to covered accidents or illnesses.

#FAQ #Update #AdditionalContent

1. What does pet insurance cover?
2. Can I buy pet insurance for a senior dog or cat?
3. What does a pet wellness plan cover?
4. How much does pet insurance cost?
5. Does pet insurance cover pregnancy or breeding services?

Some pet owners opt to purchase pet insurance to help offset the out-of-pocket cost of common veterinary expenses. But not all pet insurance policies are the same. Learn about what pet insurance covers and doesn’t cover, how it works, and the average premiums from some of the top pet insurers.

What is Covered by Pet Insurance?

Accident-only plan

As the name implies, a typical accident-only pet insurance plan covers emergency testing, treatment, and care of injuries such as: Treatment of sudden or chronic illness, as well as preventative care and regular check-ups are not covered by an accident-only plan.

Accident and illness plan

A comprehensive pet plan offers protection for both accidents and illnesses. Depending on your policy and insurer, this can include: An accident-illness plan will not cover preexisting conditions, however. Some insurers will consider certain preexisting conditions “cured” and eligible for coverage if there are no recurring symptoms and there has been no treatment for 12 months or more.

Wellness or preventative care plan

Some pet insurance wellness and preventative care plans have an annual benefit limit while others have a set dollar amount per covered expense. A typical wellness policy covers: Policy specifics, including what is covered and not covered, are different for each insurance company.

Can I buy pet insurance for a senior dog or cat?

Not all providers will insure an older animal. Nationwide, for instance, makes age 10 the cutoff for buying a policy for your dog or cat. At Trupanion the cutoff age is 13, while it’s 14 for Embrace and Healthy Paws. Other providers in our rating of the , including ASPCA Pet Insurance, Fetch by the Dodo, PetFirst, Pets Best, and Figo do not impose an age limit.

Exotic pets

Among the companies in our rating, only offers insurance for exotic pets, such as amphibians and reptiles, gerbils and hamsters, birds, ferrets, rabbits, goats, and other mammals. This plan includes coverage for: Preexisting conditions and waiting periods Pet insurance generally does not cover preexisting conditions. Insurers define a preexisting condition as any injury or illness that your pet develops before coverage goes into effect and or during a waiting period. Most insurers impose a waiting period for a length of time after the policy has been purchased, during which coverage may be limited. This can range from a couple of weeks to 180 days or longer, depending on the company.

What Does a Pet Wellness Plan Cover?

The policy specifics, including covered services, are different for each insurance company. Some have an annual benefit limit while others have a set dollar amount per covered expense. A typical wellness policy covers:

Pet Insurance Plan Availability

How Much Does Pet Insurance Cost?

The cost of pet insurance depends on several factors, including your pet’s species, age, breed, where you live, and the type of policy you choose. In general, it costs more to buy pet insurance for a dog than it does for a cat, although monthly premiums can vary widely from insurer to insurer. Based on our analysis, the owner of a 1-year-old mixed-breed female dog can expect to pay anywhere from about $19 to $70 for a policy with a $500 deductible, a 90% reimbursement rate, and a $5,000 coverage limit. The same policy for a 1-year-old male domestic shorthair cat can range from around $11 to $31 per month.

Sample Monthly Pet Insurance Premiums

Pet Insurance Cost Comparison

* Any rates listed are for illustrative purposes only. You should contact the insurance company or insurance agent directly for applicable quotes.
* Monthly costs are for a 1-year-old female large mixed-breed dog and an under 1-year-old male domestic medium-hair cat, respectively. Both are in excellent health and residing in Texas with a $5,000 annual benefit limit, a $500 annual deductible, and a 90% reimbursement rate.
** Trupanion has zero deductibles and unlimited payouts with no annual, lifetime, or per incident coverage caps. Sample costs are solely based on a 90% reimbursement level. Coverage has recently increased in Arizona, Florida, Maine, and Texas.
*** ASPCA Pet Health Insurance: sample monthly costs are based on a $4,000 annual benefit limit, a $500 annual deductible, and a 90% reimbursement level.
**** Nationwide: sample monthly costs are based on a fixed $10,000 annual benefit limit, a fixed $250 annual deductible, and a 70% reimbursement level.


Pet insurance provides reimbursement to pet owners for covered veterinary care. It’s similar to human health plans, with deductibles, coverage limits, and annual caps on benefit amounts. Depending on the policy and insurer, reimbursements are made either on a percentage basis (typically 70% to 90% of the procedure or service cost) or as a set dollar amount. Unlike managed health care for humans, you can take your pet to any veterinarian you prefer. There is no in- or out-of-network coverage difference. There are accident-only plans, which are more affordable but provide limited coverage, as well as comprehensive plans, which are more expensive but offer broader benefits. There are also wellness plans available that offer savings on certain services, prescriptions, and procedures. Like human insurance, coverage details can vary by policy and insurer.

How Pet Insurance Works

Pet insurance does not generally cover the theft of a family pet or provide a death benefit if your dog or cat dies the way life insurance for a human would. A handful of companies do sell what are known as life and theft or mortality and theft insurance policies. These are designed to protect a high-value animal, such as a champion show dog or service animal, in the event that the animal is stolen or dies due to accidental or natural causes. Similar policies may be available for livestock or zoo animals.

Does Pet Insurance Cover Spaying or Neutering?

No, pet insurance does not cover spaying or neutering. However, if you purchase a wellness plan, you may be eligible for reimbursement up to a certain limit for these procedures, depending on the policy details. Though pet insurance typically does not cover services like teeth cleanings, it may cover dental extractions if an accident causes tooth damage and the vet deems the removal medically necessary. Check your policy for coverage details.

Does Pet Insurance Cover Surgical Procedures?

Depending on your plan, pet insurance may cover surgical procedures. If you buy accident-only coverage, it will likely pay for covered accident-related injuries that require surgery, such as bone fractures. A comprehensive plan, which covers both accidents and illnesses, usually pays for a broader range of surgical procedures. Your pet insurance plan may cover certain aspects of your pet’s visit to the vet, such as tests and treatment for an illness or injury, but exam fees are not usually included in a standard plan. If you want to buy coverage that includes reimbursement for exams, consider buying a pet wellness plan. A wellness plan usually covers routine vet visits, including exam fees and preventive care, up to a certain limit.

Does Pet Insurance Cover Pregnancy or Breeding Services?

Pet insurance does not cover pregnancy or breeding services, though some insurance companies offer an optional rider, or policy add-on, for cat and dog breeders that cover certain aspects of pregnancy.

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