What does pet insurance cover?

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states.
After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu…

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Reviewed by

Rachael Brennan

Licensed Insurance Agent

UPDATED: Nov 30, 2021

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Here's the Scoop

  • There are over three million insured pets in North America
  • Pet insurance rates can cost anywhere from $6 to $120 per month
  • Many of the fees associated with your pet—including surgeries, veterinarian care, and care for chronic illnesses—are covered under a comprehensive pet insurance plan

If you have a furry friend, you are probably concerned with the best ways to keep your pet healthy, happy, and safe. Many pet owners are curious about pet insurance for dogs and cats. 

What does pet insurance cover? If you’re not sure, you’re not alone. Millions of Americans wonder if they should purchase dog insurance or cat insurance and wonder if pet insurance is worth it. If you have questions, we can help answer them. In this guide we’ll let you know what pet insurance covers and what it doesn’t.

We’ll also help you to compare quotes from the best pet insurance companies to see how much pet insurance would cost for you. 

The best way for you to find affordable pet insurance is to shop around online. There are a lot of companies to choose from, all with different coverage. As a result, comparing your options lets you make the best choice. 

Be sure to use our free tool above to compare pet insurance rates from top companies in your area and see how much it would cost to find coverage for your furry friend. 

Table of Contents

What does pet insurance cover?

Pet insurance has grown in popularity in the United States since the 1980s. Today, over three million pets are insured in the U.S. So what does it cover?

Pet insurance is essentially a type of health insurance you purchase on behalf of your pet. This type of coverage can help pay medical bills for surgeries, checkups, and any other health-related problems. 

The table below gives a better idea of what most comprehensive pet health insurance plans cover.

Comprehensive Pet Insurance Coverage

Medical Need Covered or Not Covered
Accidents and injuries Covered
Chronic illnesses (allergies, etc.) Covered
Common illnesses (ear infections, etc.) Covered
Cancer Covered
Hereditary issues (hip dysplasia, eye disorders, etc.) Covered
X-rays and MRIs Covered
Surgeries Covered
Hospitalizations Covered
Vaccinations Not covered
Wellness visits Not covered
Grooming Not covered
Behavioral training Not covered
Food & nutritional supplements Not covered

As you can see, with a comprehensive health insurance plan for your pet, many of the expenses associated with your pet’s health will be covered. 

Common exclusions in pet insurance plans are things like wellness visits, food and dietary supplies, grooming services, and behavioral training. Depending on the age and health of your pet, cat and dog health insurance may be a good idea and could help you save a lot of money. 

When you look at the different types of pet insurance, you will find that a comprehensive plan covers most everything. On the other hand, an accident-only plan covers incidents and accidents that often constitute an emergency visit.

Wellness pet insurance is an additional type of coverage you can purchase to cover what a comprehensive pet insurance plan doesn’t. This includes routine vet visits, vaccines, and treatments to prevent parasites, fleas, and ticks. 

If, after learning more about the coverage options for pet insurance, you are interested in buying pet insurance for your furry friend, it’s time to compare rates. 

Enter your ZIP code below to view companies that have cheap insurance rates.

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How much is pet insurance?

Pet insurance needs and costs vary greatly depending on the type of pet you have, its age and health, and its overall needs. As a result, pet insurance in the United States can cost anywhere from six dollars to $120 in monthly premiums. 

Pet insurance costs may be affordable, especially if you consider the average cost of vet visits.

If you pay monthly rates for pet insurance are only $15, for example, that’s a lot less than you’ll pay if you wind up at an emergency clinic. 

What insurance companies offer pet insurance? 

There’s been an increase in the number of pet owners who want to purchase an insurance policy to cover their pets. Fortunately, that means the number of insurance companies offering pet insurance has also grown. 

Some of the most popular companies that offer pet insurance in the U.S. include: 

  • Healthy Paws
  • Trupanion
  • Pets Best
  • Embrace Pet Insurance
  • ASPCA Pet Health Insurance
  • PetFirst Pet Insurance
  • Figo
  • Petplan
  • Nationwide

There are countless other insurance companies that also offer pet insurance. Obviously, there are a few companies that don’t include pet insurance among their insurance products

Should I buy pet insurance?

You are the only person who knows for sure whether you should purchase insurance for your pet. If your pet is young and healthy you may not need pet insurance.

However, health issues can occur at any time, as can accidents. Pet insurance could help you protect and care for your pet when the unexpected happens. In addition, an old or sick pet may be difficult to insure.

Pet insurance can be a good financial decision. To find the best deal, shop around online to find a policy that works best for your pet with monthly rates you can easily afford.

As you shop around for the best pet insurance companies, be sure to use our free tool below to compare companies and decide which coverage plan works best for your pet.