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Protect yourself from costly vet bills.
Pets are a part of our family. Like every member they can get sick, injured, and have accidents; pet health insurance protects you from costly vet bills.
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Find the best pet insurance in Your Area Today!

What is Pet Health Insurance?

Pet insurance is health insurance that covers a portion of your pooch or kitty’s vet and medical bills. Just as no one plans to be sick or get injured, neither do our cats and dogs. As illnesses and injuries can be painful, it never hurts to prepare for the unexpected when it comes to your beloved pets. And while the love of your cats or dogs is priceless, veterinarian visits are not. Especially unexpected visits. Pet insurance can not only help make vet bills more manageable, but it also provides peace of mind knowing that the cost of a procedure or treatment will be less of a factor when making decisions.

Is Pet Health Insurance Worth The Investment?

Pet insurance can save you thousands or even tens of thousands of dollars if your pet has an unexpected sickness or injury. Some policies cost less than a $1 a day (though monthly premiums depend on breed, location, and pet age) which is a small price to pay to be able to say yes to life-saving medical treatments. Plus pet health insurance policies can keep you from going into debt when faced with overwhelming or devastating vet bills. Even the most careful pet parents are often not prepared for emergency procedures like a foreign object removal, which can cost as much as $5,000 to treat, or a torn ACL that comes with a similar treatment cost.

Different Types of Pet Health Insurance

There are two main types of insurance – Pet Health Insurance and Wellness Coverage. Pet Health Insurance covers things like diagnostics (blood tests, urinalysis, x-rays, MRIs, lab work, etc.), procedures (surgeries, emergency care, hospitalization), and medication as well as unexpected accidents and illnesses. Wellness coverage, on the other hand, is more of a preventative coverage to keep your four-legged family member healthy and well. It covers things like annual checkups, heartworm tests, some screening bloodwork, and most vaccines. ​

Insurance covered procedures and associated costs without coverage

Insurance plan Cost
Broken leg $3,700
Foreign body ingestion $900 to $3,000
Kidney disease $3,000 to $4,500
Cancer $200 to $5000
Hip dysplasia Up to $8,000
Hernia repair $750 to $1,500
Urinary obstructions $250 to $1,000
ABCDF*
YesYesYesYesYes
G*KLMN
Yes50%75%YesYes***
ABCDF*
YesYesYesYesYes
G*KLMN
Yes50%75%YesYes
ABCDF*
YesYesYesYesYes
G*KLMN
Yes50%75%YesYes
ABCDF*
NoNoYesYesYes
G*KLMN
Yes50%75%50%Yes
ABCDF*
NoYesYesYesYes
G*KLMN
Yes50%75%50%Yes
ABCDF*
NoNoYesNoYes
G*KLMN
NoNoNoNoNo
ABCDF*
NoNoNoNoYes
G*KLMN
YesNoNoNoNo
ABCDF*
NoNo80%80%80%
G*KLMN
80%NoNo80%80%
ABCDF*
N/AN/AN/AN/AN/A
G*KLMN
N/A$5,880$2,940N/AN/A
Benefit Coverage Description
Yes The plan covers 100% of this benefit
No The policy doesn't cover that benefit
% The plan covers that percentage of this benefit
N/A Not applicable

Difference between accident and wellness

Procedure Accident Plan Wellness Plan
Broken leg
Foreign body ingestion
Spay/Neuter
Kidney Disease
Cancer
Parasite Prevention
Routine Lab Work
Urinary Obstructions
Microchip
ABCDF*
YesYesYesYesYes
G*KLMN
Yes50%75%YesYes***
ABCDF*
YesYesYesYesYes
G*KLMN
Yes50%75%YesYes
ABCDF*
YesYesYesYesYes
G*KLMN
Yes50%75%YesYes
ABCDF*
NoNoYesYesYes
G*KLMN
Yes50%75%50%Yes
ABCDF*
NoYesYesYesYes
G*KLMN
Yes50%75%50%Yes
ABCDF*
NoNoYesNoYes
G*KLMN
NoNoNoNoNo
ABCDF*
NoNoNoNoYes
G*KLMN
YesNoNoNoNo
ABCDF*
NoNo80%80%80%
G*KLMN
80%NoNo80%80%
ABCDF*
N/AN/AN/AN/AN/A
G*KLMN
N/A$5,880$2,940N/AN/A
Benefit Coverage Description
Yes The plan covers 100% of this benefit
No The policy doesn't cover that benefit
% The plan covers that percentage of this benefit
N/A Not applicable

What are the eligibility requirements for my pet?

Requirements vary by insurance carrier but, generally, pets as young as 8-weeks and as old as 14-years can be covered. After enrollment there is typically a waiting period of up to 15 days before your pet can be covered, which does not include preexisting conditions that are present prior to the coverage.