What Does Pet Insurance Cover?

There are 4 major types of pet insurance plans. The plan you choose will determine what’s included on each plan.

Accident-only pet insurance plans

Accident-only plans are self-explanatory, offering coverage for injuries from accidents, such as a broken bone. These plans don’t offer coverage for illnesses or wellness visits.

Accident-only plans cover circumstances when your pet needs emergency care after a traumatic injury. For example, if your pet is hit by a car and has a broken leg, an accident plan would cover things like your X-ray and any surgery your pet needs to get healthy again. Some other examples of accident policy inclusions may range from medications to hospitalization expenses resulting after an accident.

Illness-only pet insurance plans

Illness-only plans cover reimbursements for illnesses developed over time. For example, if your pet develops a urinary tract infection, an illness-only plan will help you pay for the cost of diagnosis and medication to correct the disease. Conditions like hypothyroidism, ear infections and digestive problems are also common inclusions. Cancer may or may not be covered depending on your policy.

Comprehensive pet insurance plans

Wellness pet insurance plans:

If you’re looking for the most comprehensive coverage for your pet, you’ll want to choose a combination accident and illness plan. This type of plan covers everything found on both the accident and illness plans. These types of plans may also offer other types of coverage as well, including preventative care and wellness needs

Time-limited pet insurance policies

 

Wellness pet insurance plans:

Lifetime pet insurance policies

Some pet insurance companies also offer a wellness plan that covers regular, non-emergency veterinary needs. Examples of treatments included on this type of plan can be routine annual wellness visits and prescription supplements. Wellness plans aren’t available from every type of pet insurance provider.