Select Page
Budgetboost.co is supported by its readers. If you click on or buy something via a link on this page, we may earn a commission.
Budgetboost.co is supported by its readers. If you click on or buy something via a link on this page, we may earn a commission.

Pet Health Insurance Cost Review: 5 Best Companies for Dog or Cat

Rachel Carey
Financial Guru
Updated: 6/2019
Follow us on  

Pet insurance is similar to health insurance, except the plans are much more affordable and basic. The policy you purchase for your pet will reimburse you for specific medical expenses that you incur getting your pet treatment for illnesses and injuries. Unexpected vet fees can be hard to pay. Most people’s pets are beloved members of the family. Buying pet health insurance is a way to safeguard yourself against high medical fees you cannot afford.

Table of Contents

The Problem

In worst case scenarios, not having pet health insurance or the means to pay for your pets illness or injury could mean losing them for good. Unfortunately, not all illness and care options are covered by all pet insurance plans. This means it is important to compare different companies and policies to find a plan that works best for you, your pet and your budget.

OUR TOP PICK

Embrace

Why Embrace?

  • Does not have a per-incident limit. Only annual limits.
  • Offers multi-pet discount
  • Your claim can be paid in as soon as 5 days.
  • Promotes Wellness Rewards where you can get reimbursements
Try Embrace

What Is Pet Health Insurance?

Pet health insurance is a way to cover costs associated with vet visits. If your pet gets sick or injured and you do not have any insurance, all costs are going to be out-of-pocket and needing to be paid in full. Most insurance plans will come with monthly fees. If you have insurance and pay your premiums on time, most of your vet visits will be reimbursed to you. There are some exemptions with many plans such as no coverage for pre-existing health conditions.

Just like with a human health insurance plan, you will pay a small deductible for a visit. The rest of the cost will be covered by your plan. The downside to pet health insurance is that everything needs to first be paid out-of-pocket before you get reimbursed. This is a huge downside to this type of insurance.

Pet Health Insurance Cost Review

Having Pet Insurance:

  • You pay a small monthly premium to get coverage for illnesses and accidents.
  • Treatments may be partially or fully reimbursed by your pet insurance lender.

Without Pet Insurance:

  • You will pay the full amount of treatment for illnesses and accidents out-of-pocket once services are rendered.

Benefits Of Pet Health Insurance

The cost of paying for a pet health insurance plan will typically range from a couple hundred to a few thousand dollars each year. The amount you pay will depend on the lender you sign up with and the type of animal you are insuring. Even though monthly payments can add up, they pale in comparison to the amount an unexpected vet visit can cost due to injuries and illnesses. It can also help you determine whether or not to pursue specific courses of treatment. Unfortunately, many pet owners are forced to put their beloved pets down because they lack the funds for necessary treatment procedures and surgeries.

Costs Of Treatments At A Glance

When deciding whether or not to purchase pet health insurance, you should take into consideration the cost of many major medical procedures. Even when you have a plan in place, you will still need to be able to initially cover the procedure out-of-pocket. Without insurance coverage, accident injuries and illnesses can cost pet owners from hundreds to thousands of dollars per incident.

If you have a cat or dog with cancer, those treatments using radiation therapy can range from $5,000 up to $10,000. Surgeries to remove tumors or other deformities can range from $3,000 to $6,000 each time. However, if you had an insurance plan you were paying $30 to $50 dollars a month for, your immediate out-of-pocket expense for the same procedures would be dramatically reduced.

Pet Health Insurance Plan Exclusions

Before you purchase a pet health insurance policy from any company, it is crucial to note any exclusions to your pet’s policy. While standard policies cover most illnesses and accidents, there are some providers which exclude common things such as:

  • Grooming
  • Behavior issues
  • Hereditary or preexisting conditions
  • Hip dysplasia
  • Dental disease
  • Preventative care
  • Routine check-ups

Even the more expensive and reputable companies won’t fully cover preexisting health conditions. These are considered any ailments your pet might have had before you purchased your policy coverage. Other providers may include preexisting ailments if they are deemed curable. Pets with incurable, preexisting conditions are difficult to find insurance for.

Getting Into The Actual Average Costs Of Pet Health Insurance

For most popular pet health insurance plans which cover both accidents and illnesses, it was found the average monthly cost of insurance for a dog was around $43 and $26 for cats. When insurance costs were compared from eleven of the top pet insurance companies found online, the average monthly costs ranged anywhere from $25 to $70 for a dog and between $10 and $40 for a cat.

The amount anyone will actually pay each month for their pet can vary significantly based on multiple factors including the type of pet, age, breed, species, where you live and the insurance coverage package you choose to buy. All of these are taken into consideration when providers offer rates. Pet health insurance for dogs, large breeds of animals and old animals cost more because these groups tend to have more health issues than other groups.

Average Pet Insurance Costs For Dogs

When the top eleven insurance providers were compared for dogs, the monthly premium across the board averaged around $42. In order to find this average premium, the rates of each insurance website’s quote calculator were used to get a price for the same services. In a sample plan, a deductible of $500, annual max of $5,000 and a reimbursement level of 80 percent was chosen. The type of dog used in the calculations was a four-year-old Labrador Retriever who is male, neutered and has no preexisting medical conditions.

For each insurance provider, the same dog, location and insurance plan was chosen. Even with all of these factors used exactly the same for each calculator, the insurers still showed a range in prices of around %50 across all plans. However, if you were to obtain the same plan in an area that has more expensive vet services and your dog is prone to injuries, you could expect your monthly plan premium to be upwards of $70 or more. It can be expected to be even higher if you choose a lower deductible for your reimbursement levels.

Monthly Premium Quotes For Sample Dog From Top Insurers

Pet Health Insurance Cost Review

Common Costs For Dog Breeds

A huge factor that goes into determining the cost your dog’s monthly premium will be is their breed and size. Below are some of the average monthly costs for more popular dog breeds.

  1. Labrador Retriever $37.44
  2. German Shepherd $34.32
  3. Golden Retriever $40.56
  4. Bulldog $39.00
  5. Beagle $34.32

Average Monthly Premium Cost To Insure Cats

The cost to buy insurance for cats is much lower than for dogs. It was found that the average cost per month among the top 11 insurance providers was around $21. Just as with the sample dog, a sample cat was chosen. The specifications used in each website’s premium calculator was for a four-year-old-cat with no preexisting health conditions. The plan specifications were all set at $500 deductibles, $5,000 max annually and 80 percent reimbursement levels.

The costs associated with purchasing health insurance for cats shows much variance between each company just like with the dog. Medium-risk cats, such as Bengals, will typically cost a little more to get insurance for. If you want a better pet health insurance plan or have a cat who is more prone to injuries, you might find yourself paying monthly premiums closer to $30 or $35.

Monthly Premium Quotes For Sample Cat From Top Insurers

Pet Health Insurance Cost Review

Common Costs For Cat Breeds

Just like insurance for dogs, the actual cost of insurance for cats will vary depending on their breed and age. In order to get a general comparison for the affordability of insurance of different breeds, the top five breeds were used in each insurance provider’s monthly premium calculator.

  1. Exotic $12.78
  2. Ragdoll $17.57
  3. British Shorthair $20.76
  4. Persian $19.17
  5. Maine Coon Cat $17.57

Typical Cost Of Common Treatments For Cats And Dogs

If you are trying to determine if paying for pet insurance will be worth the cost, it is important to take into consideration the cost of common medical treatments without insurance coverage. To get a good idea of the common costs, the treatment costs for the top cat and dog ailments were taken into consideration. According to data collected from Petfirst holders, the common dog treatments averaged a total cost of $253. The average cost was $267 for cats. More serious conditions such as cancer can cost anywhere from $5,000 to $10,000 for chemotherapy treatments. While cancer in dogs and cats is considered a more rare condition, it should still be taken into account when comparing insurance companies and plans.

Top 5 Common Dog Conditions And Their Cost

Pet Health Insurance Cost Review

When you only take into consideration the average costs of common treatments for cats and dogs, it is more affordable to pay out-of-pocket than pay for insurance. However, the main purpose of obtaining pet health insurance is as a safeguard for if an accident happens or your pet gets ill. The insurance is meant to lower the burden of paying for more expensive treatments.

Top 5 Common Cat Conditions And Their Cost

Pet Health Insurance Cost Review

How Does Pet Health Insurance Work?

Pet health insurance companies have safeguards in place to prevent pet owners from trying to purchase insurance plans after their pet is already sick or injured. To prevent this, all insurance companies have waiting periods that last a specific amount of time from the day you purchase your policy to the day your pet needs treatment. With accident coverage plans, the waiting period is typically only a few days to a couple weeks long. Many of the top insurance companies will require your pet to get a check-up with a veterinarian before coverage can be established. This is to ensure there are no preexisting conditions.

To place a claim and get reimbursed from your pet insurance provider, owners will need to pay the cost of any treatment or procedure out-of-pocket first. Once you have finished your vet visit, you will need to contact your pet health insurance provider and place a claim. The claim will then be examined by the company to evaluate whether or not they will approve it. If they do approve your claim, you can expect to get your reimbursement funds sent to you by either direct deposit or in the form of a check sent by mail.

Most claims will take a few business days to a couple weeks to process. If your claim is a more complicated one, it could take longer. The claims and reimbursement process will factor in many plan components. Each plan’s structure is different.

Top Factors Taken Into Consideration During A Claim Review For Reimbursement

  • Deductible- A deductible is the amount of money you will have to pay towards a vet bill before your insurer will cover the costs. The deductible may either be per year or per incident. Depending on the company, a deductible for pet health insurance can range from $0 to $1,000.
  • Reimbursement Level- Once you have paid your deductible, the reimbursement amount is the percentage of your vet bill that will be covered. For most plans, this amount will be between 50-100 percent.
  • Annual Maximum- Each pet health insurance plan will have a set maximum amount your provider will cover in total per year. Any charges you incur for your pet beyond the maximum amount will need to be paid for out-of-pocket.

Example: Let’s say you have a plan that will cover your bill at a 100 percent reimbursement level, you have a $50 deductible and a $10,000 annual maximum. If your pet is injured because of an accident and needs $15,000 worth of treatments, you will first “pay” your insurer the $50. Next, your insurance company will examine your claim and reimburse you $10,000 if they approve it. The remaining amount of the bill, $4,950, is going to be what you will owe the vet’s office out-of-pocket.

What Factors Affect Pet Insurance Premiums?

Overall, the cost of your pet’s health insurance will be dependent on how comprehensive a plan you want, the type of pet you are insuring and what area you live in. Additionally, if you want less paid per incident, you can expect a lower premium. You are able to choose if you prefer a lower monthly payment or more money reimbursed if your pet gets sick or injured. Some providers let customers choose how many medical costs they want to be covered each calendar year. This is referred to as an annual max.

Pet health insurance providers will charge you based on the procedures you want. Choosing less risk means the company will pay more of your vet bills, but your premiums will be higher. If you choose to go with more risk, you will have to pay more out-of-pocket. However, your monthly premiums will be much less. Everyone’s budget and needs are different. Aside from the level of coverage you choose, below are some of the main factors that insurers take into consideration when calculating pet insurance premiums.

  • Breed- Pets that are larger breeds usually cost more to get insured. This is because they usually have shorter lifespans and more health issues.
  • Age- Pets that are younger are more affordable to get insurance for. Typically, younger animals have fewer health issues and have longer to live.
  • Location- Where you live will affect your pet health insurance premiums. They can vary by state and zip codes. Bigger cities tend to have higher overall costs.
  • Species- Dogs always cost more than cats to insure. Male dogs have the highest monthly premiums and female cats have the lowest monthly premiums.

A policy with a 100 percent reimbursement rate should be considered with a $50 deductible and no annual maximum. This coverage plan will only cost you $50 for each incident. This plan will generally cost a customer more than $100 per month. For some people, budgeting $100 a month is easier to pay than a surprise vet visit that costs thousands. For others, a more reasonable plan is to pick a policy with a more affordable monthly plan and save extra money on the side for any vet visits.

Final Note- Should I Purchase Pet Insurance?

The decision to purchase pet health insurance is a personal one. It is crucial to note that purchasing it won’t exactly be more affordable than not having the insurance. It is quite possible that your pet won’t get very sick or injured while you have them and you will only have to pay out-of-pocket for basic vet visits. However, going without any pet health insurance is a financial risk that many won’t be prepared for if their beloved bed gets sick or injured.

The appropriate amount of coverage will vary significantly between pets and customers. If you do not have thousands of dollars set aside in case of a pet emergency, insurance should definitely be something you seriously take into consideration. No one wants to be faced with the idea of losing their furry family member because they don’t have the financial means to get them the medicine or surgery they need to survive.

To save more money for your pets, consider buying pet supplies online. There are plenty of options available. 

Aside from your pets, you should also look for cheap health insurance for you and your family. Make sure to read our in-depth review. 

FAQ

Pet Insurance is a necessary part of pet ownership. When a dog or a cat gets injured or is caught in an accident, they need to receive medical assistance. This is responsible pet ownership. We take care of our pets, not just while they are well, but especially when they are sick or in bad health. Pet insurance coverage is like automobile insurance, as it is a way to defray the cost associated with the pet illness or injury. In all cases, the owner will have to pay the costs upfront, and then file a claim for reimbursement. The amount of the reimbursement will depend on the terms and conditions of the pet insurance plan. Pet insurance coverage does not allow for full payment of the treatment. Instead, the owner is obligated to pay part of the total insurance claim. This leaves the bulk of the cost to be paid by the insurance company.

Not all people or pet lovers know the advantages of pet insurance. The following are the most common questions asked about pet insurance which can help others to pay closer attention to their pets.

Pet Insurance Basics

Pets have a mind of their own and can get into all sorts of accidents and injuries. Pet insurance takes the stress and anxiety out of these situations. With pet insurance coverage, the pet owner does not need to think about the cost of medical fees. When a pet gets injured, falls ill or is involved in an accident, most of the bill is covered by pet insurance. The following are some basic questions about pet insurance which owners need to know.

Your Title Goes Here

Your content goes here. Edit or remove this text inline or in the module Content settings. You can also style every aspect of this content in the module Design settings and even apply custom CSS to this text in the module Advanced settings.

Do I Need Pet Insurance?

If you have a large dog or a purebred, you should get a pet insurance for your pet. The costs for treatment of illness and injury from accidents can be expensive. Check your pet insurance for inclusions before signing up.

What is the Best Pet Insurance for Dogs?

The best pet insurance for dogs is Trupanion. This is especially true for young and purebred dogs. The company has a “Lifetime” deductible benefits package for young pets prone to chronic conditions. The plan has no waiting period and no age restrictions for hip dysplasya.

How Does Pet Insurance work?

When you purchase a pet insurance plan, you choose between per incident or per year. Choose the reimbursement level or co-pay percentage. Pay the vet or clinic directly. Submit the claim and the pet insurance company will reimburse the covered treatment.

Is Pet Insurance Worth It?

Pet insurance is the equivalent of human health insurance for your dog or cat. It covers the health care costs of your pet. It is very useful in times of emergency when you need to bring your pet to the vet. The medical costs may be prohibitive but the insurance will help defray the costs.

What is the Best Pet Insurance?

Figo Pet Insurance is considered the best pet insurance. It covers exam and prescription drugs costs, and it waives copays and deductibles for lifesaving care. Figo has comprehensive medical coverage and reimbursement is based on actual vet bills. It also has no limits for specific conditions.

Should I Get Pet Insurance?

Yes, you should get pet insurance because this covers the health care costs of your cat or dog. The costs of emergency procedures may be expensive and can put a dent in your finances. With insurance coverage, the pet owner has peace of mind when bringing the pet to the vet.

What is Pet Insurance?

Pet insurance is a health insurance plan coverage for pets. These plans can cover a wide range of services including accident and injury protection, chronic illnesses, hereditary or congenital conditions, and other medical issues. Wellness, maintenance, and preventive plans are also offered by pet insurance companies to cover regular checkups and other conditions.

How to Get Pet Insurance?

Go to a pet insurance company website and request for a quote. On the quote page, enter your pet’s name, breed or size of the pet, and age or date of birth. The website will provide a quote, which you can have mailed to you. If you agree to the quoted price, go back to the quote page, and click on Next. You can choose your mode of payment when you sign up for the pet insurance.

Should I Get Pet Insurance for My Indoor Cat?

Indoor cats are as much at risk as outdoor cats. Accidents can also happen at home. They can also catch diseases and other health problems even while they stay at home full time. Some cat health problems include digestive upsets, diabetes, thyroid diseases, leukemia, kidney failure, and heart disease.

Should I Get Pet Insurance for My Puppy?

Yes, you should get pet insurance for your puppy. It is recommended that pet insurance is secured for young animals. Puppies are more prone to injuries due to accidents. They are also more vulnerable as they are still learning about their environment.

When to Get Pet Insurance?

The best time to get pet insurance is while your pet is young. The younger the better because younger pets have a lower premium. Additionally, young pets do not have pre-existing conditions on record.

Does Pet Insurance Start Immediately?

There is a waiting time before the start of pet insurance coverage. The shortest waiting period is 14 days. You can bring your pet to the vet after the waiting period. This helps dissuade pet owners who get pet insurance after an injury or accident.

How Soon Can You Claim on Pet Insurance?

The procedure for claims differs between insurance providers. The procedure for claims usually starts after you have paid the vet. Send the insurance provider the paid bill, either via email or as an image scanned on your phone. The insurance starts processing after they receive the claim.

What is the Best Pet Health Insurance?

Pet health insurance or wellness plans can be purchased separately from the pet insurance. Most wellness plans are part of a package for pet insurance. 24PetWatch offers the best pet health insurance which includes dental cleaning, fecal screen, and vaccinations.

Does USAA Have Pet Insurance?

Yes, United Services Automobile Association (USAA) is an organization which services active duty and retired members of the military and their immediate and extended family. Their insurance arm has a partnership with Embrace Pet Insurance to cover pets of USAA members.

What are the Best Pet Insurance Plans?

Some of the best pet insurance plans include Figo, Healthy Paws and Trupanion Pet Insurance. Figo offers three tiers of coverage with comprehensive medical protection. Healthy Paws is good for cats and small dogs. Trupanion Pet Insurance has “Lifetime” deductible benefits for your pets.

How to Cancel ASPCA Pet Insurance?

ASPCA Pet Insurance can be canceled. Pet owners can request for a cancellation by contacting the ASPCA Pet Insurance toll-free numbers or send an email. To cancel you will need to provide email correspondence, billing details, and a phone contact number. There is also an online cancellation service provided by CancelWizard.

Is Embrace Pet Insurance Good?

Embrace has mixed reviews about their claims processing. The pet insurance benefits are good, but there is an uneven treatment for pre-existing conditions. Advantages of Embrace include cover for cancer, chronic conditions, dental illness, and prescription drugs. The USAA partners with Embrace Pet Insurance for their pet insurance needs.

Do Most Vets Accept Pet Insurance?

Yes, vets accept pet insurance. The pet owner and the vet make decisions about the pet’s medical care. The owner pays the vet directly and then files a claim for reimbursing the medical expenses. Vets do not directly process pet insurance.

Is Pet Insurance a Waste of Money?

No, pet insurance is a necessary cost of keeping a pet. It helps defray costs of veterinary care in case of illness or accidents. For those who want more services, wellness plans offer regular checkups, vaccinations, and tests.

How to Choose Pet Insurance?

Choosing a pet insurance depends on what breed of dog or cat and their age. There are some breeds which are prone to congenital problems. When signing up for these breeds, choose a pet insurance which will cover the possible congenital problem.

Plans and Costs of Pet Insurance

Most people think that pet insurance is prohibitive. There is a denial of the probability that their pet will have a very costly illness. However, pets will behave like pets and they are at risk of accidents. Some breeds are also prone to certain medical conditions. When these things happen, it can get very expensive, very quickly. The following questions give the pet owner an idea of the costs involved in pet insurance coverage.

Your Title Goes Here

Your content goes here. Edit or remove this text inline or in the module Content settings. You can also style every aspect of this content in the module Design settings and even apply custom CSS to this text in the module Advanced settings.

How Much is Pet Insurance?

The monthly premium for pet insurance can range from $10 to more than $100 but the normal range of costs for a decent insurance coverage is between $30 to $50 per month, depending on the benefits.

How Much is Pet Insurance at Petsmart?

Pet insurance costs vary between the pet, size, and location. PetSmart pet insurance costs vary widely between breeds of dogs and cats, depending on their age, size, and breed. Request a quote from the Petsmart website.

How Much is Pet Insurance a Month for a Dog?

The monthly pet insurance premium for a dog can range from $30 to $50. Depending on the exclusions, type of dog, age, and location, this can also go as low as $10 or as high as $100 per month.

What is the Cheapest Pet Insurance?

The cheapest pet insurance covers accident only. The monthly premium could be as low as $10. The insurance covers the vet’s fees and other necessary expenses for treatment from an accident, and would not pay for illnesses.

How Much is Pet Insurance for a Puppy?

Pet insurance costs for puppies differ between providers and depends on the dog breed and location. For a puppy pet insurance with benefits that include $500 deductible, 70% reimbursement, unlimited total limit amount and a limit term of one year, the cost could be as low as $6 per month.

How Much is Rabbit Pet Insurance?

There are pet insurance policies for rabbits. Although not all pet insurance providers provide for rabbits, they are treated in the same way as dogs and cats. Rabbits also have different medical conditions specific to them. It is cheaper than pet insurance for dogs and cats. Rabbit insurance can cost between $10 and $16.

How Much is Pet Insurance a Month for a Cat?

The cost of pet insurance for a cat starts from $10 to $15 per month. The cost depends on the breed of the cat, age and location. The basic coverage is “accident only”. There are more plans with different coverage. For an injury prone cat, the owner can pay closer to $30 to $35.

What Does Excess Mean in Pet Insurance?

The excess in pet insurance is the amount the pet owner pays towards any claims. This is usually a fixed amount of the fees paid. The reimbursable amount is equal to the claim less the excess. This is the term used in the United Kingdom and has almost the same meaning as deductible.

What is a Deductible on Pet Insurance?

A pet insurance deductible is the portion of the vet bill the owner pays before the insurance coverage starts. The amount and the manner of payment depend on the pet insurance plan. Some plans offer lifetime per condition deductibles or lifetime per condition.

Pet Insurance Plan Coverage

Not every medical condition or veterinary service is covered in pet insurance. There are basic plans and the wellness and preventive plans. There are also other riders which cover expenses for specific conditions. The owner should know what plan to sign up to, with the breed that he has. Questions about coverage are answered below.

Your Title Goes Here

Your content goes here. Edit or remove this text inline or in the module Content settings. You can also style every aspect of this content in the module Design settings and even apply custom CSS to this text in the module Advanced settings.

What Does Pet Insurance Cover?

Pet insurance covers the costs of emergency medical care and treatment for injury for pets. Depending on the plan and coverage, the insurance can cover the treatment costs, as well as the regular healthcare like dental cleaning and deworming. These services differ between pet insurance carriers, the type of plans, and their location. Sometimes, there are also exclusions for specific breeds.

How to Get a Pet Scan Covered by Insurance?

There are some pet insurance plans which include MRI. One reason for the exclusion of MRI scans is that there are few instances where this is needed, and additionally, there are not that many facilities which have MRI machines for pets. To get a scan covered by insurance, make sure that it is part of the pet insurance benefits. Depending on the carrier, it could be included in “lifetime” limits, or “per condition” limits.

How Do Pet Insurance Know About Pre-Existing Conditions?

Each pet insurance company handles pre-existing conditions differently. It is possible that you might neglect to mention a condition or prior illness, and the insurance may not consider it as pre-existing. There are conditions which are considered as pre-existing. Cancer is usually considered as pre-existing because of its slow growth. Hereditary or congenital diseases in purebred pets are also considered pre-existing.

Does Pet Insurance Cover Spaying?

Spaying is the removal of the female pet’s internal sex organs, including the ovaries, uterus and fallopian tubes. Most pet insurance does not cover spaying. However, this can be included in a wellness plan which also covers routine and preventive services.

Does Pet Insurance Cover Neutering?

Neutering is the removal of the testes in a male pet. This is not considered an emergency or accident, but an elective procedure. It is not offered as part of regular pet insurance packages. Some pet insurance wellness plan does offer this option.

Does Pet Insurance Cover Shots?

Traditional pet insurance cover expenses due to illness or injury and do not cover shots. There are a few pet insurance providers which include shots in their basic package. Wellness, maintenance, and preventive plans which include check-ups, routing, and preventive procedures have vaccinations as part of their coverage.

Does Pet Insurance Cover Dental Cleaning?

Traditional pet insurance does not cover dental cleaning. This service is included in some wellness packs or a preventive care package. Other policies include dental treatment if the pet’s teeth are damaged in an accident. Most policies will also not cover dental treatment due to an illness.

What Does USAA Pet Insurance Cover?

The USAA Pet Insurance covers accidents, illnesses, behavioral therapy, and prosthetic limbs. They also offer a wellness plan which covers routine and preventive services, like checkups, dental services, vaccination, and others. Other services covered include treatment for conditions specific to a breed of dog or cat, and cancer.

Does Pet Insurance Cover MRI Scans?

Not all pet insurance plans include MRI scans. When this is included in the plan, there is a prescribed limit for reimbursements. MRI scans are usually included in some per condition or maximum benefit plans, or lifetime insurance.

Can You Get Pet Insurance After Diagnosis?

You can get pet insurance after a disease has been diagnosed. However, the coverage will not include any illness which has been diagnosed prior to getting the pet insurance. This is called a pre-existing condition, meaning that the condition already exists before the plan, and is not covered by a pet insurance company.

Does Pet Insurance Cover Soft Palate Surgery?

There are some pet insurance companies which cover soft palate surgery. This is a common concern among English bulldogs and leads to higher premiums for the breed. There may be questions about pre-existing conditions because some dogs need to have multiple soft palate surgeries during their lifetime.

Does Pet Insurance Cover Pregnancy?

Few pet insurance providers cover pregnancy. If the pet already pregnant when you sign up, this is considered a pre-existing condition and is not covered. For those companies which do cover pregnancy, emergency pregnancy-related procedures may not be covered.

Is Neutering Covered by Pet Insurance?

No, neutering is not covered by traditional pet insurance. Neutering is the removal of the male pet’s testicles. It is not considered an illness. A vet can neuter a pet as an elective procedure but this is not covered by pet insurance. However, there are some wellness plans which do cover neutering.

What Does Boarding Fees Mean on Pet Insurance?

Boarding fees are costs associated with keeping your pet in a kennel while you are sick. This is the cost of someone taking care of your pet when you are unable to care for her. Not all pet insurance have boarding fees or the same level of coverage for it.

Does Pet Insurance Cover Cesarean?

Traditional pet insurance does not cover the cesarean section. There are some wellness plans and breeding dog insurance policies cover whelping as long as this is not a pre-existing condition. Unexpected cesarean births are also covered, but planned cesarean surgeries are not covered.

Does Pet Insurance Cover Prescription Food?

Traditional pet insurance does not cover prescription food. The basic services include illness and injury from accidents. There are some wellness, preventive and maintenance plans which cover prescription food. The coverage is warranted only for those pets with a condition.

Does Pet Insurance Cover Death?

Most pet insurance does not cover death. However, some pet insurance companies offer wellness plans which cover death. The amount paid will depend on how much you paid for your pet. There is also a limit on this price.

Does Pet Insurance Cover Vet Visits?

Many pet insurance does not cover vet visits. Some other pet insurance companies will only cover vet visits on certain conditions. Traditional pet insurance does not cover routine exams since these are preventive or maintenance exams.

Does Pet Insurance Cover Blood Tests?

Traditional pet insurance does not cover blood tests. In most cases, blood tests are not part of the diagnostic procedures, especially for exclusions or that illness which are considered as pre-existing conditions. There are some wellness plans which cover blood tests. Others include blood tests as part of diagnostics and will cover if it is warranted by the vet.

Rachel Carey

Rachel Carey

Financial Guru

Rachel is dedicated to helping individuals and families boost their budgets so they can enjoy the lifestyle they deserve. Rachel graduated with a degree in Family and Consumer Sciences. She’s a prolific finance writer, producing tons of articles on different aspects of personal and family budget management.

Learn to Budget Better and Make More Money

Get our in-depth guide that will teach you how to save more, make more & transform your finances.

Popular Categories