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What does pet insurance cover?

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Understanding pet insurance coverages

Understanding how pet insurance works and choosing the right coverage for you and your furry friend can help give you both the protection you need. With our partner, Petplan, you'll never have to choose between your best friend's care and your budget.

Pet insurance helps pay for unexpected veterinary care when pets get hurt or sick. Once you're covered, your provider reimburses a percentage of what you paid for the treatment, making veterinary care much more affordable. Think of pet insurance as a financial safety net: It doesn't include routine wellness care like vaccines and checkups that can be planned for but rather the expensive bills from sudden illnesses or accidents.

Choosing a deductible for your pet's policy

Petplan offers your choice of deductible, ranging from $250 to $1,000. Once you pay your deductible and co-pay, your dog or cat's treatment is covered by the plan. Remember, the higher your deductible, the lower your pet insurance premium will be, but you'll be responsible for more of the vet bill if you ever need to file a claim.

Choosing a reimbursement rate for your pet's policy

With Petplan, you choose your level of reimbursement for veterinary services — 70%, 80% or 90%. A lower reimbursement level means you'll pay less toward your annual premium, but veterinary services will cost you more out of pocket.

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