Pet insurance is a health insurance policy for your pet that pays for medical expenses and sometimes other costs. Pet insurance plans are typically reimbursement-based, meaning you pay up-front for the pet’s vet bills and submit a claim to the insurance company. A few companies can pay the vet directly, which helps keep your out-of-pocket payments low.
Accident and illness plans generally cover injury or sickness such as broken bones, cancer, hereditary conditions and congenital conditions, and more. Accident-only plans cover only accident-related problems, like a broken bone. When a pet is diagnosed with or indicates signs of an illness or injury before coverage begins, pet insurance generally won’t cover it. However, some pet insurers extend coverage for what they consider “curable”
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