How we research and update our guides

Pet insurance decisions involve real money and real animals, so every page follows the same rules.

We cite what we state

Every price, waiting period, coverage rule, vet cost and law comes from a source we opened and read, listed at the bottom of the page. We prefer, in order: laws, regulators and insurers' own policy documents; industry data such as NAPHIA's annual report; veterinary schools and associations; then independent rate studies and reviews.

We don't guess or invent

If we can't verify a figure, we leave it out or give a typical range. We don't invent statistics, laws, insurer rules, pet stories or customer quotes. The author doesn't own a pet and doesn't pretend to.

Examples are labeled

Vet-bill examples use published price ranges and say where they come from. They show how deductibles and reimbursement work; they aren't quotes.

Fact-checked before publishing

Before a page goes live, every claim is checked against its source by a separate reviewer. Anything that can't be verified is removed or softened.

We update pages

Each page shows its last update. We review prices when major rate studies are republished and update pages when laws or insurer rules change.

Independence

We earn money through affiliate links, explained in how we make money. Partners don't see or approve content before it's published.

Corrections

Found something wrong? Tell us the page and the fact, with a source if you have one. We correct verified errors and update the page date.