Pet insurance What does it cover?

Owning a pet is an ordinary thing in the USA, but taking care of your pet is very important, and this is possible only if you choose the right insurance for your pet to get the care and health coverage needed for them. However, it is essential to know pet insurance: what does it cover, and what are the benefits to the pet and the pet owner?

What does pet insurance cover?

Pet insurance is just like life insurance for pets; it helps them when they become ill or have an accident. In these situations, pet insurance provides coverage for the medical expenses incurred by the pet. As a pet owner, you can get a complete care package of pet insurance that covers every problem related to your pet. Some pet insurance plans provide coverage until the end of your pet’s life. 

Pet insurance provide covers on

Injuries and Accidents

These medical expenses get covered in the event of an accident.

  • ACL ruptures
  • Bite Wounds
  • Broken Bones
  • Cuts
  • Swallowed Objects
  • Toxic ingestions

Behavioral Therapy

  • Aggression
  • Destructive Chewing
  • Excessive Barking

Any Physical Chronic illness

Chronic illness that requires Coverage:

  • Allergies
  • Arthritis
  • Digestive Problems
  • Seizures
  • Skin Issues

Common illness

Common illness that requires Coverage:

  • Diarrhea
  • Ear infections
  • Urinary tract infections
  • Vomiting

Hereditary Conditions

Hereditary Conditions that require Coverage:

  • Blood Disorders
  • Eye Disorders
  • Hip Dysplasia 

Microchip Implantation

Coverage on microchip implantation:

  • A microchip to help find your pet if it goes missing.

 Different Procedure

Different Procedure that require Coverage:

  • Chemotherapy
  • Endoscopies
  • Hospitalization
  • Nursing Care
  • Surgeries

Very Serious illness

A very serious illness that requires coverage:

  • Cancer
  • Diabetes
  • Heart disease

Test and Diagnostics

Test and Diagnostics that requires coverage on:

  • Blood test
  • CT scan
  • MRI
  • Ultrasound
  • X-rays

Other Procedures

  • Flea and heartworm prevention
  • Neutering
  • Routine wellness exam and Vaccinations

Alternate Procedures

Alternate Procedures that requires coverage on:

  • Acupuncture
  • Chiropractic
  • Laser therapy

What pet insurance doesn’t cover?

Let us know what pet insurance does not cover.

Pre-existing conditions 

This condition only occurs if your pet suffers an illness or accident before the insurance coverage begins. Some insurance plans cover pre-existing diseases or accident-related conditions.

For example- Nationwide pet insurance plan coverage is extended on condition that you have medical records of your pet that prove that your pet has been healthy for at least six months before the coverage begins.

Experimental Treatment 

It does not cover those diagnoses and treatments that involve experiments and tests and are not in accordance with your state’s veterinary board.


Pet insurance does not cover grooming services, such as bathing, shampooing, nail clipping, etc.

Food, Diet, and Supplements 

Any expenses related to the regular diet of the pet are not covered, but some of the insurance plans cover the diet prescribed by the veterinarian.

Non-veterinary expenses 

These include expenses incurred under government rules and regulations, waste disposal services, record access, copying, licenses, and certifications are not covered.

Can pet liability be covered under pet insurance?

If your pet destroys someone’s property or bites someone, the pet insurance company can provide liability coverage. Also, such incidents are covered by homeowner’s insurance. Suppose your pet bites someone, and you are sued for a legal proceeding. The liability coverage in your homeowner’s insurance will protect you if you pay for it.

How does pet insurance work?

Pet insurance plans are often based on the principle of reimbursement. It is a direct policy, which means that you will pay in advance for the money spent on the care and treatment of your pet, and bills are submitted to the insurance company to get the expenses reimbursed. Not only this, you can take your pet to a licensed, certified veterinarian of your choice. 

Here’s how a pet insurance claim works:

  • Let’s say your pet has an ear infection, and you take him to the veterinarian for treatment.
  • Now you have to pay the bill to the veterinarian.
  • Then, submit a copy of the bill paid to the veterinarian and your pet’s medical records to the pet insurance company. Along with this, you will also process the claim.
  • Now, based on your pet insurance policy, the pet insurance company will look into your claim, and if the problem is covered under the policy, the insurance company will reimburse your expenses.
CompanyPet Insurance Cost ( Per month )
Pets Best$50
Healthy Paws$56
pet insurance company plans


Does pet insurance cover vaccines?

Pet insurance plans do not cover the cost of vaccinations given to the pet in case of an accident or illness. But yes, it can be covered if a pet wellness plan is added to the insurance plan. It provides several benefits, such as routine vet visits, vaccine costs, and heartworm prevention for pets.

Will the pet insurance company pay if my pet dies?

In the case of euthanasia, some expenses are covered in the policy, but there are some conditions. For this, you should contact the pet insurance company.

Do any pet insurance plans cover hip dysplasia?

Yes, some pet insurance companies cover hip dysplasia. These companies include Trupanion, Nationwide, Lemonade, and Healthy Paws.

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