An Intro to Pet Insurance
Pet insurance is similar to traditional, human insurance. A customer who insures their pet is paying for a kind of financial safety net against accidents, illnesses, and other maladaptive situations common in our four-legged friends. Following an event that harms your pet’s health, owners with pet insurance won’t be responsible for the entirety of their veterinary bill—most pet insurance companies will cover up to 90% of your bill, when eligible for coverage.
Traditional insurance and pet insurance share a similar payment format. Owners must pay a monthly premium for coverage. Pet coverage doesn’t kick in until an owner has met their deductible: a payment threshold that must be met from an owner’s own pocket for coverage to begin kicking in. Pricing varies from customer to customer, from company to company, all depending on a customer’s personalized quote and contract.
Let’s walk through a quick example. Let’s say your beloved bulldog, Gary, breaks his leg after taking a heroic leap from your bed. You would take Gary in to see a licensed vet, have the vets work their magic, and then receive your itemized bill of $1,500. Luckily, you’ve already met your deductible, whew! Next, you’d submit a claim to your insurance company, which, if all coverage conditions are met, would pay up to 90% of the bill. Your insurance company would pay out a whopping $1,350 from the bill, meaning your out-of-pocket payment is minimal.
Why You Should Get Coverage for Your Pet
The reality is accidents happen. And even when they don’t, other things go wrong: your dog gets the flu, your cat won’t stop turning your leather couch into shredded ribbons, or your puppy suffers from early-onset diabetes. Pet insurance covers the treatment for all of these instances and more, meaning you can worry less about the vet bill and more about getting the proper care for your pet.
The best feature of pet insurance for you, the customer, is the wide net of financial coverage that’s provided when you sign up. Pet insurance companies offer coverage for accidents, illnesses, behavioral issues, genetic ailments, and even preventive care (e.g. checkups, vaccines). When something goes wrong with your furry friend, you can have it taken care of with confidence that the payment won’t break the bank.
At the end of the day, owning a pet is inherently expensive—the fact that things will go wrong with your pet makes that financial burden tick even higher. To normalize your pet budget and to save potentially $1,000s a year, we recommend you shop around for pet insurance.
Pre-Existing Conditions and Other Common Limitations
Pet insurance can’t protect against everything. Check the list of common coverage limitations and exclusions, below:
Pre-existing Conditions: A pre-existing condition is a medical or behavioral issue that had an onset before the beginning of your coverage. If Gary the bulldog has hip dysplasia before his coverage begins, his treatments and vet visits for his hip won’t typically be covered by insurance.
Waiting Periods: Following contract approval, pet insurance companies have customers wait a short period of time—typically half a month or so—before their coverage can kick in. This “waiting period” can limit your coverage, as any medical or behavioral issues that begin during the waiting period are listed as pre-existing conditions and cannot be covered.
Non-Recommended Treatments: Most pet insurance companies will not cover the cost of treatments that are not explicitly listed by your veterinarian. If you believe that acupuncture, or a special diet, or chiropractic work will help your pet, these care expenses won’t be covered unless your vet recommended these treatments.
Miscellaneous: To ensure your pet’s coverage meets your needs, be sure to carefully read your pet insurance contract.
new dog insurance
pet insurance for boxer dogs
cheap dog insurance for older dogs
boxer dog insurance
best and cheapest dog insurance
buy dog insurance
dog insurance for dogs
best affordable dog insurance
dog insurance that covers routine care
best insurance for labradors
dog insurance for 2 dogs
pet insurance for french bulldog puppy
best cheap dog insurance
pet insurance quotes for dogs
best dog vet insurance
dog insurance with wellness coverage
best cheap pet insurance for dogs
dog insurance online
insure your dog
dog insurance with wellness
inexpensive dog insurance
best pet insurance for a dog
puppy insurance quotes
best pet insurance plans for dogs
family pet insurance plans
cheap pet insurance for 2 dogs
best dog insurance coverage
insure my puppy
affordable pet insurance for older dogs
best pet insurance plans for puppies
best pet insurance for small dogs
most affordable pet insurance for dogs
best affordable pet insurance for dogs
dog insurance that covers wellness
grooming business insurance
cheap pet insurance for older dogs
cheap puppy insurance
dog insurance quotes
pet health plans for dogs
buy dog insurance online
best pet insurance for large dogs
best small dog insurance
dog insurance for two dogs
best dog insurance policy
best pet insurance for maltese
recommended pet insurance for dogs
cheap pet insurance for puppies
best pet insurance for dogs that covers routine care
puppy insurance plans
best dog insurance with wellness coverage
dog preventive care insurance
monthly dog insurance
dog insurance usa
best pet insurance for miniature dachshund
pet insurance for large breed dogs
cheap pet insurance for dogs
most affordable dog insurance
vets for pets dog insurance
puppy insurance near me
the best puppy insurance
best pet insurance for young dogs
puppy health insurance
best puppy insurance plans
dog insurance for multiple dogs
best pet insurance for bernese mountain dogs
pet insurance for dogs
insurance for dogs cheap
best dog insurance for puppies
puppy dog insurance
puppy insurance
dog health insurance quotes
full coverage dog insurance
cheap dog insurance plans
best insurance for my dog
recommended dog insurance
best animal insurance for dogs
routine care dog insurance
good pet insurance for dogs
affordable dog insurance
great dane dog insurance
dog ins
best pet insurance for two dogs
the best dog insurance
top ten dog insurance
wellness coverage for dogs
dog insurance plans
canine insurance
best dog insurance for multiple dogs
instant dog insurance
top 10 best dog insurance
the best pet insurance for dogs
puppy medical insurance
petted insurance
dog health insurance plans
dog insurance that covers vet visits
top puppy insurance
top rated pet insurance for dogs
pet insurance for large dogs
preventive care dog insurance
cheap dog insurance
pet insurance for 2 dogs
bulldog insurance cost
pet insurance for two dogs
best dog insurance that covers everything
dog insurance that covers preventive care
dog insurance for routine care
insurance for my dog
best pet insurance for great danes
pet medical insurance for dogs
dog insurance comparisons
dog breeding business insurance
multi dog insurance
best puppy health insurance
dog insurance
dog insurance immediate coverage
dog insurance for puppies
best pet insurance for labradoodles
best pet insurance for multiple dogs
dog health plan
dog insurance that starts immediately
best insurance for shih tzu
low cost pet insurance for dogs
health insurance for my dog
cheap dog health insurance
preventative dog insurance
dog insurance options
dog health insurance near me
pet insurance plans for dogs
best insurance companies for dogs
dog insurance wellness plan
healthy pets dog insurance
best insurance for pugs
dog insurance with preventive care
pet health insurance for dogs
best pet plans for dogs
wellness insurance for dogs
best puppy insurance
pet plan dog insurance
puppy wellness insurance
best dog insurance plans
best pet insurance for dogs with hip dysplasia
best dog insurance for french bulldog
comprehensive dog insurance
best price dog insurance
best health insurance for puppies
health insurance for your dog
dog insurance vaccinations
pet insurance for puppies
best pet health insurance for dogs
cheapest and best dog insurance
dog insurance coverage
best dog insurance companies
cat vet insurance
dog health insurance
dog insurance with no waiting period
low cost dog insurance
get dog insurance
multi dog pet insurance
cheap pet insurance for dogs that covers everything
good dog insurance
best pet insurance for english bulldogs
best pet insurance for 2 dogs
best pet insurance for new puppy
affordable pet insurance for dogs
new puppy insurance
best dog health insurance
best animal insurance
preventative care dog insurance
best type of dog insurance
most comprehensive dog insurance
dog wellness insurance plan
best pet insurance for puppies
best pet insurance for dogs dental
preventive care insurance for dogs
good dog insurance companies
best pet insurance for bulldogs
veterinary insurance for dogs
best insurance for bulldogs
small dog insurance
animal health insurance for dogs
english bulldog pet insurance
animal insurance for dogs
best dog insurance
home insurance companies that allow pit bulls
dog insurance policy
best pet insurance for german shepherds
best insurance for older dogs
top 10 dog insurance
pet insurance for 3 dogs
best pet insurance for dogs
affordable health insurance for dogs
best value dog insurance
dog insurance that covers neutering
bulldog truck insurance
canine health insurance
cavapoo pet insurance
good insurance for dogs
the cheapest dog insurance
best wellness insurance for dogs
dog health insurance banfield
pet insurance for german shepherd
dog health care plan
dog insurance including dental
the best dog health insurance
pet insurance for french bulldogs
immediate dog insurance
pet insurance for chihuahua
looking for dog insurance
insurance for 2 dogs
best pet insurance for shih tzu
best pet insurance for pugs
affordable dog health insurance
health insurance for dogs near me
family pet insurance
maltipoo insurance
insurance for dogs near me
which best dog insurance
dog insurance cover
cat and dog pet insurance
large dog insurance
best frenchie insurance
bulldog pet insurance
dog insurance that covers everything
great dane pet insurance
pet insurance for bernese mountain dogs
dog insurance near me
english bulldog insurance
top pet insurance for dogs
dog insurance for vaccinations
dog insurance that covers vaccinations
dog insurance va
dog insurance no waiting period
insurance for your dog
medical insurance for my dog
pet insurance for new puppy
spca dog insurance
pet insurance companies for dogs
best pet insurance for large breed dogs
cover hound insurance
vet insurance for dogs
medical plan for dogs
salty insurance
basic pet insurance for dogs
pug pet insurance
dog dental care insurance
best pet insurance for big dogs
best puppy dog insurance
dog insurance for dental cleaning
dog health care insurance
nationwide pet dog insurance
best rated dog insurance
hot dog cart insurance
petfinder insurance
best pet insurance for older dogs
pet insurance for my dog
vip dog insurance
basic dog insurance
emergency dog insurance
best bulldog insurance
animal insurance
personal pet insurance
best pet insurance companies for dogs
puppy health insurance plans
best pet insurance for french bulldogs
insurance companies for dogs
best dog insurance for older dogs
animal insurance coverage
home insurance that covers rottweilers
best pet insurance for labradors
pet insurance for american bully
best pet insurance for boxers
pet insurance options for dogs
low income dog insurance
best pet insurance for frenchies
dog insurance that covers hip dysplasia
best pet insurance for senior dogs
companion dog insurance
best pet insurance for purebred dogs
shar pei insurance
pug dog insurance
dog insurance for surgery
puppy health care plan
national dog insurance
best health insurance for french bulldogs
labrador pet insurance
dog insurance neutering
dog insurance for low income
puppy health insurance cost
best pet insurance for chihuahua
preventive care plans for dogs
pug insurance
top rated dog insurance
best insurance for french bulldogs
pet insurance for shih tzu
pet insurance for husky
frenchie pet insurance
dog insurance that pays upfront
mobile grooming insurance
dog insurance that covers spaying
best pet insurance for elderly dogs
dog insurance rates
insurance for french bulldogs
free pet insurance for puppies
best insurance for dachshunds
best insurance for english bulldogs
aarp pet insurance for dogs
dog care insurance
bulldog health insurance
best pet insurance for cane corso
dog insurance for french bulldog
best pet insurance coverage for dogs
dog insurance that covers dental
best insurance for german shepherd
dog and cat insurance
cigna dog insurance
pet insurance for older dogs
best pet insurance for dog breeders
pet insurance for your dog
dog insurance military discount
puppy insurance worth it
pet insurance for senior dogs
american bully dog insurance
best pet insurance for pitbulls
unitedhealthcare dog insurance
italian greyhound insurance
accident only dog insurance
dog insurance that covers surgery
best senior dog insurance
pet insurance golden retriever
dog vet insurance cost
farmers insurance for dogs
canine medical insurance
dog insurance that covers pregnancy
top 5 dog insurance
prudential dog insurance
best pet insurance for pit bulls
emergency vet insurance
dog insurance cover neutering
dental cover for dogs
puppy insurance cost
best pet insurance for dachshunds
best pet insurance for labrador retrievers
dog insurance care credit
pet plans for dogs
animal insurance plans
dog insurance companies
pet insurance for elderly dogs
best pet insurance for american bully
beneful dog insurance
aarp dog insurance
companion care pet insurance
top insurance for dogs
emergency pet insurance dogs
pomeranian insurance
health insurance for french bulldogs
doggo pet insurance
dog insurance for pregnancy
medicaid dog insurance
pet companion insurance
best pet insurance for dogs with allergies
pet insurance cavalier king charles spaniel
dog dental insurance plans
police dog insurance
nationwide dog insurance plans
pet insurance for dogs with allergies
dog insurance for older dogs
dog insurance for senior dogs
top dog health insurance
chewy pet insurance
vet plans for dogs
aetna dog insurance
dog insurance figo
frenchie insurance
vet dog insurance
dog and cat health insurance
best dog wellness plans
companion pet insurance
best puppy wellness plan
dog grooming business insurance
dog dental insurance
pug health insurance
top dog insurance companies
dog insurance per month
dachshund pet insurance
dog insurance that pays the vet directly
dog insurance that covers breeding
liberty mutual dog insurance
best pet insurance for rottweilers
big dog insurance
great dane insurance
english bulldog health insurance
german shepherd dog insurance
dog insurance that pays vet directly
true companion dog insurance
pet insurance for boxers
best pet insurance for golden retrievers
care credit dog insurance
dog insurance that covers dental cleaning
blue cross blue shield dog insurance
k9 insurance
puppy paws insurance
pet insurance for litter of puppies
medical insurance for dogs cost
dog insurance premiums
free dog insurance
american staffordshire terrier insurance
senior dog health insurance
best pet insurance for french bulldogs reddit
dog insurance liberty mutual
vca dog insurance
aspca quotes
homeowners insurance for pitbull owners
shih tzu dog insurance
maltipoo pet insurance
dog dental plan
renters insurance german shepherd
free puppy insurance
dog insurance cover dental cleaning
yorkie insurance
rescue dog insurance
petco dog insurance
chewy insurance
canine insurance companies
pet first pet insurance
staffordshire bull terrier insurance
dog insurance dental cleaning
embark dog insurance
pet plan insurance for dogs
petco puppy insurance
progressive dog insurance
pet insurance for rescue dogs
best pet insurance for rescue dogs
toy poodle insurance
dog hospital insurance
woof pet insurance
puppy insurance banfield
shepherd insurance company
older dog insurance
international dog insurance
best pet insurance for huskies
husky pet insurance
aspca dog insurance
renters insurance that accepts pitbulls
german shepherd health insurance
pet insurance for mixed breed dogs
best dog insurance with pre existing conditions
senior dog insurance
dog health insurance cost
pet insurance cost for english bulldog
dog insurance aaa
dog insurance cost
liberty dog insurance
dachshund insurance
dog neutering insurance
dog insurance hip dysplasia
shiba inu insurance
best insurance for golden retriever
pet insurance for dogs with diabetes
true companion pet insurance
homeowners insurance that covers rottweilers
canine dental insurance
border collie insurance
dog accident insurance
pet insurance for foster dogs
aspca dog insurance cost
bulldog car insurance
large breed dog insurance
english bulldog insurance cost
progressive pet insurance for dogs
thrive dog insurance
dog insurance cover surgery
pet insurance for dog with epilepsy
pet insurance doberman
petland dog insurance
show dog insurance
pet insurance for pregnant dogs
medicaid for dogs
walmart dog insurance
best dental insurance for dogs
best wellness plan for puppies
wellness plans for puppies
nationwide pet insurance for dogs
puppy insurance usaa
first pet insurance
american bully pet insurance
pet insurance cost french bulldog
best pet insurance golden retriever
trupanion dog insurance
golden retriever insurance
pet's best insurance
dog insurance that covers pre existing
best dog health insurance reddit
pet insurance for dogs with existing conditions
salty insurance quote
german shepherd insurance
mobile dog grooming insurance
farmers dog insurance
dog health insurance reddit
dog dental cleaning insurance
petco dog health insurance