Pet Insurance That Fits Your Family

How pet insurance works

Unlike human health insurance, most pet plans work on reimbursement: you pay the vet, submit a claim, and get back a percentage of covered costs. The three levers that shape your plan and premium are:

• Reimbursement rate — commonly 70%, 80%, or 90% of the covered bill after your deductible.
• Annual limit — the most the plan pays per year; higher limits cost more but protect against major bills.
• Deductible — what you pay out of pocket before reimbursement begins.

What pet insurance covers

Accident-and-illness plans are the most popular, covering things like broken bones, swallowed objects, infections, and chronic conditions. Some insurers offer optional wellness add-ons for routine care like vaccines and checkups. Pre-existing conditions are generally excluded, so enrolling while your pet is young and healthy usually means better coverage.

Choosing the right plan

Match your plan to your pet’s breed, age, and your comfort with risk. A higher reimbursement rate and annual limit cost more monthly but reduce the sting of a large emergency bill. Comparing several carriers side by side is the best way to balance premium against protection.

Compare pet insurance

Rates and coverage terms differ significantly between pet insurers. Run a comparison to see your options. While you’re protecting the whole household, you can also review home insurance, renters insurance, and cheap car insurance.

Last updated: July 1, 2026