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Every Petplan policy will cover the following, at no extra cost, up to the limits you choose on your policy:

• Prescription medications
• X-rays
• Laboratory and diagnostic testing
• Hospitalization and surgery
• Cancer treatment
• Non-routine dental treatment
• Hereditary and congenital conditions
• Long-term chronic conditions (like diabetes or hip dysplasia)
• Alternative treatments (like acupuncture or hydrotherapy)
• Additional covered treatments may be available depending on whether your pet is a cat or dog, since each have their own unique hereditary and genetic risks. The best way to figure out all the veterinary treatments covered for your furry friend is when you get your pet insurance quote.

So if you choose 100 percent reimbursement, you'll be fully reimbursed for the charges accrued by your pet's treatment, but you'll also pay a bit more toward your pet insurance premium.

If you ever need to file a claim, reimbursement is based on the actual amount paid to the veterinary clinic, instead of a benefit schedule or a fee determined by the insurer.

There are also no time or dollar limits per condition. Instead, there's a simple annual limit, with no individual price increases based on claims activity. Simple as that.