Pet Insurance

Personal Insurance

What coverages can I expect from pet insurance?

Your pets are part of your family. With specialty pet insurance, you can avoid paying steep veterinary bills in the case of accidents, illnesses and other medical needs. According to the ASPCA, most pet owners will likely incur at least one $2,000 – $4,000 bill for emergency care at some point during their pet’s lifetime. Life-saving veterinary treatments ranging from chemotherapy to ACL surgery can be even more expensive. Pet Insurance helps ensure you never have to make a difficult decision about your loyal friend based solely on finances.

How much is pet insurance?

The cost of pet insurance can vary depending on factors such as your pet's breed, age, location, and the coverage plan you choose. Generally, monthly premiums for pet insurance can range from around $20 to $60, but it can be higher or lower depending on the specific circumstances and coverage options.

What does pet insurance cover?

Pet insurance typically covers a range of veterinary expenses related to accidents and illnesses. This can include diagnostic tests, surgeries, medications, hospitalization, and specialist care. Some plans may also offer coverage for alternative therapies, rehabilitation, and behavioral treatments. It's important to review the specific policy details to understand the coverage limits and exclusions.

Does pet insurance cover spaying?

Pet insurance may cover the cost of spaying or neutering as part of preventive care or if it is medically necessary. However, coverage for routine procedures like spaying or neutering can vary among different insurance providers and plans, so it's important to review the policy details to see if it is included.

Does pet insurance cover dental?

Dental coverage for pets can also vary among insurance providers. Some policies may offer coverage for dental procedures if they are necessary for the pet's health, such as extractions or treatment of dental diseases. However, routine dental cleanings or cosmetic procedures may not be covered. It's essential to review the specific policy terms and conditions regarding dental coverage.

Does pet insurance cover vaccines?

Pet insurance generally does not cover routine preventive care, including vaccines. Vaccinations are typically considered part of the routine care that pet owners are responsible for. However, some insurance providers may offer optional wellness plans or add-ons that include coverage for preventive care, including vaccines. It's advisable to check the policy details or discuss with the insurance provider to determine if such coverage is available.

Does pet insurance cover pre-existing conditions?

Pre-existing conditions are generally not covered by pet insurance. These are any illnesses or injuries that your pet had before obtaining the insurance policy or during the waiting period. It's important to note that pre-existing conditions are typically excluded from coverage, so it's advisable to enroll your pet in insurance when they are young and healthy to ensure maximum coverage.

Does pet insurance cover surgery?

Pet insurance may cover surgeries that are medically necessary due to accidents, illnesses, or injuries. This can include procedures like tumor removals, orthopedic surgeries, or emergency surgeries. However, coverage for elective or cosmetic surgeries may vary among insurance providers. It's crucial to review the policy details to understand the coverage for surgical procedures for your pet.

Auto Owners

Here's a list of their most popular coverages:

  • Hospitalization
  • Surgeries
  • Prescriptions
  • Cancer treatments
  • CT scan, MRI and X-ray
  • Vet specialists
  • Hereditary conditions
  • Congenital conditions
  • Hip dysplasia


Here's a list of their most popular coverages:

  • Accidents/Injury
  • Illness
  • Hospitalization
  • Emergency vet visits
  • Surgery
  • Vaccinations
  • Annual Physicals
  • Flea prevention
  • Dental trauma
  • Some alternative therapies

Have a question about Pet Insurance? We know that "one size fits all" is not an insurance option.

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