Pet Insurance

Pet insurance is similar to health insurance: you may be reimbursed if the unexpected occurs. Below are answers to common questions about pet insurance.

What is pet insurance?

Pet insurance is similar to health insurance for humans. Pet insurance will reimburse you for some or all of the money you spend on your pet’s medical bills, tests, medications, surgeries, etc. Coverage depends on the company and the policy.

WHN EXPERT TIP: Dogs and Cats

Most pet insurance companies only cover dogs and cats, however, there is one company that does cover exotic and small animals. There’s also several company that just provide equine (horse) insurance.

Why do I need pet insurance?

Pet insurance can help cover unexpected or expensive veterinarian care such as surgery or emergency care.

The average number of visits to the veterinarian each year is 2.8 for dogs and 2.3 for cats, according to the APPMA. Some pets can live for 10-20 years or more, so vet visits and bills, especially for chronic issues, can add up over the years.

Remember, the decision to purchase pet insurance is up to you.

WHN EXPERT TIP: How Much Would You Spend?

It’s easy to set a cap or a limit on how much you would spend on your pet but when it actually comes down to it, you might do whatever it takes to keep the pet healthy. Even small bills can add up, spend $100 here, $100 there but by the end of the year that could be well over $1000 and could put yourself in financial difficulty if a large event happens – Laura Bennett, Embrace Pet Insurance VP and owner of 2 cats, Bonz and Lily

Where can I buy insurance?

Ask your vet or breeder about recommended insurance agents or companies. According to APPMA, there are currently 9 pet insurance providers.

WHN TIP: When to Buy?

The best time to buy insurance is when you first get the puppy or kitten. Although your pet may appear young and healthy, health problems can occur at any age.

What should I ask my agent about my policy?

After you’ve narrowed down your choices, make an appointment to meet with an agent to discuss your policy options. Bring a pen and paper to take notes at your meeting.

  • What is included in the basic policy?
  • Do you cover chronic conditions?

    WHN TIP: Pre-existing and Chronic Conditions

    Unfortunately pet insurance companies will not cover pre-existing conditions. Ask if chronic conditions that might develop will be covered. For instance, if my dog or cat gets diabetes this year, will they be covered next year? – Laura Bennett, Embrace Pet Insurance VP and owner of 2 cats, Bonz and Lily

  • Are there certain animals or breeds that cost more to insure? Is my pet one?

    WHN TIP: Breed-Specific Coverage

    Ask if your policy covers breed-specific conditions (i.e. golden retrievers tend to get hip dysplasia; Chihuahuas and smaller dogs can experience a dislocated kneecap). Read up on your breed to learn what conditions are common. – Laura Bennett, Embrace Pet Insurance VP and owner of 2 cats, Bonz and Lily

  • What situations DOESN’T my insurance cover? Is there something I’m missing?

    WHN TIP: After Hours and Emergency Care

    Illnesses and accidents sometimes happen after normal business hours. Does your policy cover emergency care at 2 a.m.? You'll also want to be sure your use of an emergency clinic doesn't reduce the amount of coverage allowed for follow-up care. – Pets Best Pet Insurance

    WHN TIP: Preventive and Routine Care

    Although wellness care, like check-ups and vaccinations, is key to keeping your pet healthy, not all pet health insurance companies offer wellness or routine coverage. – ASPCA


  • What animals get the lowest insurance rates?
  • Tell me where I fit in with national averages – am I paying average, more, or less, and what factors into your answers?
  • What is available at an additional cost?
    Ask about annual checkups, vaccinations, medications, dental care, flea and heartworm protection, tests, travel, ID tags, illness, poison ingestion, emergency care, accidents, hospitalization, surgeries, death, euthanasia, etc.
  • What are my payment options?
  • What factors increase a policy cost? What can I do to decrease the cost of my policy?
  • What discounts do you offer? (Multi-pet households, pet product discount cards and coupons, etc.)
  • What are the limits – are they per year, per visit, per incident (a health issue – ie dog goes to ER because hit by car, follow-up visits), per lifetime?


  • Can I take my pet to any vet or do you offer a list of recommended veterinarians or a veterinary network?
  • What if I move to an area without a vet in your network?

Policy Questions

  • Are medical history records required for enrollment?
  • Once I enroll, how long before my policy is effective?
  • How does the deductible work?
  • How do I file a claim?
  • Can I cancel my policy before the term is up or at any time?
  • Do you cancel or limit a pet's policy because of their age?
  • How do I add additional pets on to my policy?

Remember to read the fine print and ask questions if you don’t understand certain areas of your policy.

Visit your insurance company’s web site – many have good background information, descriptions and definitions of insurance terms. For any question, tell the insurance agent to discuss what options are available to you, what situations warrant certain kinds of coverage and how much services are to add to your policy.