What Does Pet Insurance Cover?

When it comes to providing for our pets, pet insurance can be a great option for ensuring that your furry friend is always taken care of. But what does pet insurance actually cover?

Let’s take a look so you can make an informed decision about the best way to protect your pet.

Types of Coverage

Most pet insurance providers offer customizable coverage options, allowing customers to tailor their policies to meet their individual needs.

Generally, there are three main types of coverage: accident-only coverage, comprehensive coverage, and wellness coverage.

Accident-only coverage is exactly what it sounds like; this type of policy only covers injuries or accidents that your pet may suffer from while they’re young and active.

Comprehensive coverage goes beyond accidents and also covers illnesses that may occur throughout the lifespan of your pet. Finally, wellness coverage covers routine services such as vaccinations and other preventative treatments that keep your pet healthy over time.

Depending on the policy you select, you may also be covered for emergency services such as X-rays or surgeries if necessary.


It’s important to note that most policies exclude certain conditions from being covered. For example, pre-existing conditions are not typically included in any type of policy because they have already been diagnosed prior to the policy being purchased.

Additionally, some policies will not cover breed-specific illnesses or congenital defects like hip dysplasia or heart murmurs unless they are specifically added as riders on the policy itself.

It is important to read all of the fine print when selecting a pet insurance plan so you know exactly what is covered and what isn’t covered by any given provider.


When considering whether or not to purchase pet insurance for your beloved companion animal, it’s important to understand what types of policies are available and which one best suits both your budget and needs.

By familiarizing yourself with what types of expenses are covered—and excluded—by each plan, you can ensure that you make an informed decision about which plan will provide the best protection for your pet should an unexpected injury or illness occur down the line.

Ultimately, having peace of mind knowing that you have taken steps towards protecting your furry family member is invaluable!

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