For your favorite companion
Pet insurance,
a little clearer.
Understand veterinary coverage, reimbursement, and the details to check first.
Start with the basics.
Pet insurance policies differ in what they cover and how they reimburse veterinary costs. Read the exclusions and benefit limits, and ask how the policy treats existing conditions.
KNOW WHAT YOU’RE LOOKING AT
The pieces of a policy.
Covered veterinary care
Accident and illness benefits depend on the policy you select.
Deductible
The amount you pay before eligible benefits apply, under the policy terms.
Reimbursement
Check the percentage paid and how eligible expenses are calculated.
Benefit limits
Policies may cap payments and apply age limits or waiting periods.
Wellness programs and insurance can be different products. Check exactly what each offer includes.
- 01
Review pre-existing-condition exclusions.
- 02
Compare reimbursement rates and payment limits.
- 03
Check waiting periods and whether wellness benefits are included.
A few common questions.
Can a policy exclude an existing condition?
Many policies have pre-existing-condition exclusions. Ask the insurer how it defines and evaluates these conditions.
Does coverage begin immediately?
Waiting periods may apply to some benefits. Check your policy’s effective dates and waiting-period terms.
Further reading: NAIC pet insurance overview. Reviewed October 13, 2026.
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