Pet Insurance

Many people consider their pets family members. Here is where you can learn everything you need to know about pet health insurance.

Frequently Asked Questions
  • How does pet insurance differ from health insurance for people?

    There are a few striking differences. There are no veterinarian networks: You can generally use your pet insurance at any licensed veterinarian. Because of this, pet insurance works on reimbursement: You pay the provider, file a claim, and the insurance company reimburses you minus deductible, copay, and any uncovered expenses. Pet health insurance is technically a form of property and casualty insurance, not health insurance.

  • What does pet insurance cover?

    In many ways, pet insurance is similar to health insurance for humans, but it does have some restrictions. The three main types of coverage are wellness, accident, and comprehensive. Within each type of coverage, many insurers offer various levels of optional coverage.

  • What if my pet isn’t a cat or a dog?

    If your pet isn’t a cat or a dog, your options may be limited but there are still some forms of coverage. Insurance for other pets usually falls into one of three categories: avians (birds), exotics, or horses. Nationwide insures horses, as well as birds and exotics. Several other companies also insure horses.

  • Can you get insurance for routine pet care?

    Generally, pet insurance plans do not cover preventive treatments and wellness care is often excluded. But some companies offer separate pet wellness plans.

  • What is the best type of pet insurance to get?

    When something really bad happens, insurance is worth the years of premiums you paid. For routine or relatively minor problems, you’re probably better off putting the monthly premium into a kitty or doggy emergency fund to pay for those unexpected bills. If you elect to purchase pet insurance for catastrophic care, get the highest deductible you can comfortably afford.

  • Which pets are more expensive to care for, cats or dogs?

    Probably dogs. According to the American Pet Products Association, the average 10-year cost to care for a dog is $13,810. That figure includes food, toys, grooming, vitamins, food treats, and routine veterinary care, among other things. For a cat, the average 10-year cost is $9,080.

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