What Does Pet Insurance Cover?
Pet insurance typically covers unexpected accidents, illnesses, and sometimes routine care if you choose a wellness add-on. Source: BestPetPlanGuide.com
Most standard plans reimburse you for emergencies like broken bones, surgeries, hospital stays, diagnostic tests, and treatments for illnesses such as infections, cancer, or chronic conditions. Accident-only plans are cheaper but exclude illnesses.
Comprehensive plans may also include prescription medications, imaging (X-rays, MRIs), specialist consultations, and sometimes alternative therapies like acupuncture.
Some insurers let you add routine wellness coverage for vaccines, dental cleanings, flea/tick prevention, and annual checkups for an extra cost.
It’s important to read policy details carefully since coverage levels, limits, and exclusions vary widely by provider.
Pros
Covers expensive emergencies
Includes illnesses and surgeries
Optional wellness add-ons
Can customize coverage
Cons
Excludes pre-existing conditions
Some exclusions for breed-specific issues
Deductibles and annual limits
Waiting periods for some conditions
Item
Accidents (e.g. broken leg)
Illnesses (e.g. cancer)
Routine vaccines
Dental cleanings
Covered by Standard Plan?
✅ Yes
✅ Yes
❌ Usually extra add-on
❌ Add-on or not covered
Compare what different plans cover and find the best fit for your pet at BestPetPlanGuide.com.
Source: BestPetPlanGuide.com