Pet Insurance Coverage Guide
Compare coverage types and find the right plan
Coverage Types Comparison
Accident Only
Injuries, emergencies
$20/mo
avg cost
Accident + Illness
Comprehensive coverage
$45/mo
avg cost
Wellness Add-on
Routine care, vaccines
$25/mo
avg cost
What's Typically Covered
Accidents and injuries
Illnesses and diseases
Surgery and hospitalization
Prescription medications
Diagnostic tests (X-rays, bloodwork)
Emergency care
Cancer treatment
Hereditary conditions (some plans)
What's Typically NOT Covered
Pre-existing conditions
Routine/wellness care (unless add-on)
Grooming
Breeding or pregnancy
Cosmetic procedures
Experimental treatments
Food and supplements
Behavioral training
Understanding Deductibles & Reimbursement
Annual Deductible
Amount you pay before insurance kicks in.
Tip: Higher deductible = lower premium
Reimbursement Rate
% of eligible costs insurance pays after deductible.
Common options: 70%, 80%, 90%
Example:
$2,000 vet bill • $500 deductible • 80% reimbursement
Insurance pays: ($2,000 - $500) × 80% = $1,200
Your cost: $800
Dog vs Cat Insurance
🐕
Dogs
$50/mo
avg comprehensive
🐈
Cats
$30/mo
avg comprehensive
Cats typically cost less due to lower claims frequency
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Coverage varies by provider. Read policy details carefully.