Pet Insurance
Pet Insurance
Veterinary care is essential to your pet’s health—but unexpected accidents or illnesses can quickly become costly. Pet insurance helps make those moments less stressful by covering a portion of your veterinary expenses.
With the right policy, you may be reimbursed for things like:
- Emergency visits
- Surgeries
- Diagnostic testing
- Prescription medications
Even some routine preventive care (depending on the plan)
How It Works
- Pay a monthly premium based on your plan and your pet’s age, breed, and medical history.
- Pay your veterinarian directly at the time of service.
- Submit a claim to your insurance provider.
- Receive reimbursement for eligible expenses.
Most plans cover accidents and illnesses. Some also offer preventive care. Pre-existing conditions are typically excluded.
Choosing the Right Pet Insurance
When comparing plans, consider:
- Coverage: Accidents, illnesses, and optional wellness care
- Exclusions: Conditions or treatments that are not covered
- Limits: Annual or lifetime payout caps
- Claims process: How quickly and easily claims are processed
- Customer service: Accessibility and responsiveness
- Cost: Monthly premium and overall value
To help you compare options, we recommend visiting Pawlicy Advisor—a free pet insurance marketplace that matches plans to your pet’s specific needs.
Why Enroll Early?
- Avoid exclusions: Conditions diagnosed before enrollment are usually not covered
- Lower premiums: Younger pets typically qualify for lower rates
- Full coverage: Waiting periods are fulfilled before issues arise
- Peace of mind: You’ll be ready if your pet needs unexpected care
Popular Pet Insurance Providers
We are not affiliated with any specific company, but here are some reputable options to consider:
- Trupanion – Offers comprehensive accident and illness coverage with no payout limits. Trupanion also features Trupanion Express, which allows our hospital to be paid directly at checkout, so you don’t have to wait for reimbursement.
- Pumpkin – Covers accidents, illnesses, and optional preventive care. Their Pumpkin Now feature provides quick, direct deposit reimbursement up to a certain dollar amount.
- Fetch (formerly PetPlan) – Covers accidents, illnesses, hereditary conditions, and dental issues.
- Embrace – Customizable plans, with options for wellness care and prescription coverage.
- Healthy Paws – Covers accidents and illnesses with no annual or lifetime caps and a fast, user-friendly claims process.
Still have questions? We’re happy to help guide you through the pet insurance process so you can make the best choice for your pet’s health and your peace of mind.