Coverage Options

Explore different types of pet insurance coverages and policies.

What coverage actually means

Pet insurance is usually designed to help with eligible veterinary treatment after an accident or illness. Routine care, waiting periods, deductibles, reimbursement rates, annual limits, and exclusions determine how much protection a policy provides in practice. Optional wellness benefits may work differently from accident and illness coverage and may have their own limits.

Begin with the coverage topic that matches your concern, then compare the policy wording from several providers. A guide can explain the terminology, but only the current policy documents can confirm what is available for your pet, state, and plan.

Before choosing a plan

Check when accident and illness coverage begins.
Ask how the provider handles pre-existing and related conditions.
Compare the annual limit, deductible, reimbursement rate, and exclusions together.
Confirm whether routine or specialty care requires an add-on.

No Waiting Period

Learn More

Pre Existing Conditions

Accident Only

Pays Vet Directly

Dental

Emergency