What It Covers

People buy Pet Insurance for the same reason they buy their own health insurance. An unexpected medical problem could cost a large sum of money…and today may be the day.

As a concept, Pet Insurance is a good thing, but you have to read the fine print. Below are some examples of coverage available today from various insurers.

Routine Care Coverage: This is your regular preventive veterinary care that is designed to catch and prevent serious medical problems. In general this means:

  • Annual physical exams
  • vaccinations
  • Heart worm detection & treatment
  • spay/neuter procedure
  • teeth cleaning
  • prescription medication for flea control
  • general, comprehensive health screen

Some Pet Insurance providers offer veterinary HMO/PPO plans that cover these issues. Others offer more coverage that includes professional consultation, de worming, fecal tests, and microchip identification.


Pet Major Medical: These cover procedures that would cost significantly more (as in, $1000s of dollars) without Pet Insurance:

  • Accidents and Serious Illnesses
  • MRI, CAT Scans, and X-rays
  • Surgeries
  • Hospitalization
  • Removal of ingested foreign objects
  • Snake bite treatments

Most Pet Insurance policies offer these coverages. They are designed to protect you, the pet owner, from having to decide between your pet’s life or a financial hardship. As always, check with the Pet Insurance provider of your choice to make sure of these coverages.


Cancer: Dogs and cats get cancer that often can be treated, just like humans. However, chemotherapy treatment can cost $1000s of dollars for a pet. These treatments include..

  • Chemotherapy
  • Radiation treatment
  • post-treatment medications and nutritional supplements

Cancer claims are the fastest growing cost to Pet Insurance companies. As always, check with your provider.


What is NOT Covered: Like most insurers, Pet Insurance companies have exclusions designed to keep premiums low. Some of these include:

  • elective & cosmetic procedures
  • pet foods
  • grooming
  • behavioral problems
  • congenital & hereditary defects (i.e., hip displaysia)
  • any pre-exsiting conditions that were present prior to purchasing Pet Insurance.



The above is not meant to be an exhaustive list. It is designed to arm the average pet owner with information regarding the benefits of Pet Insurance. For more information, check the details of the policy of your choice by clicking on one of our sponsors above.

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