Coverage Guide

Pet Insurance Coverage Basics

What Pet Insurance Typically Covers

Most plans cover accidents and illnesses, with optional wellness riders available for routine care like checkups and vaccinations.

Accident-Only vs. Accident & Illness Plans

Accident-only plans generally cost less but cover a narrower set of situations. Accident & illness plans cost more but also cover things like chronic and hereditary conditions.

Pre-Existing Conditions

Pet insurers generally don't cover conditions your pet already had before the policy started, which is a big part of why enrolling earlier rather than later matters.

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