Published: 2026-08-15
This article provides general information for reference purposes only and does not constitute professional legal, tax, medical, or financial advice. Rules and programs may change. Always verify current details with official sources or consult a qualified professional.
What is typically covered?
Most pet insurance plans cover accidents, illnesses, surgeries, hospitalizations, diagnostic tests, and prescription medications. Some plans cover hereditary conditions, cancer, and alternative therapies.
What is not covered?
Pre-existing conditions are generally not covered. Most plans also exclude routine care, vaccinations, and grooming unless you add a wellness rider. Cosmetic procedures and breeding costs are typically excluded.
How do I choose coverage?
Consider your pet's breed, age, and health risks. Choose a plan that covers the conditions most likely to affect your pet. Compare reimbursement rates, deductibles, and annual limits.