Travel and pets · Accident and illness
Pet insurance
Reimburses part of your vet bills when your pet is injured or gets sick. You pay the vet first and send the claim.
- Who it's for
- Pet owners who'd struggle with a sudden bill of several thousand dollars.
- Is it required?
- No.
Covered and not covered
Usually covered
- Accidents, like a swallowed toy or a broken leg
- Illnesses, like cancer or diabetes, on accident-and-illness plans
- Tests, surgery, hospital stays and medication for covered conditions
Usually not covered
- Conditions your pet had before the policy started
- Illness in the first days or weeks, the waiting period
- Routine checkups and vaccines, unless you add a wellness plan
- Harm your pet causes others, which falls under your home or renters liability
Real-life examples
Your dog tears a knee ligament and needs a $5,000 surgery.
It dependsUsually covered, but many plans have a 6-month waiting period for knee ligament problems. With a $500 deductible and 80% reimbursement, you'd get back $3,600.
Your dog bites a visitor.
Usually not coveredPet insurance only covers your pet's care. The visitor's claim goes to your home or renters liability coverage.
Check your own policy
Find these on your policy or declarations page, or ask your agent:
- Deductible, reimbursement percentage and yearly limit
- Waiting periods
- What counts as pre-existing
Not sure where to look? See how to read your policy.