FAQ
What is pet insurance?
Pet insurance for dogs and cats helps cover the cost of veterinary care in case of illness or injury. Depending on your pet insurance plan, coverage may include routine check-ups, emergency vet visits, surgeries, and chronic condition treatments.
Why should I get pet insurance?
Affordable pet insurance helps manage unexpected vet bills. It provides financial peace of mind, allowing you to focus on your pet's health and well-being rather than worrying about the cost of unexpected veterinary bills. It ensures that your pet can receive the necessary care, whether it's for an emergency, illness, or even routine health maintenance.
What does pet insurance cover?
Pet insurance coverage varies, but most plans include:
- Accidents, illnesses & injuries
- Surgeries & hospital stays
- Diagnostic tests (X-rays, ultrasounds, blood work)
- Prescription medications
- Emergency veterinary care
Some comprehensive pet insurance policies also cover preventive care like vaccinations, flea and tick prevention, and dental cleanings. Always check your policy details.
Does my pet’s age affect their insurance?
Senior pet insurance often comes with higher premiums or coverage restrictions. We recommend enrolling in pet insurance when your pet is young to lock in lower rates and prevent exclusions for pre-existing conditions.
How much does pet insurance cost?
The cost of pet insurance varies based on factors like your pet’s age, breed, health history, and coverage type. On average, pet insurance may range from $30 to $75 per month for dogs and $20 to $50 per month for cats.
How do I file a claim?
Most pet insurance providers allow claims to be filed online, through an app, or by phone. You’ll typically need to submit a veterinary invoice and medical records, and reimbursement follows according to your policy.
Trupanion offers direct pay at our animal hospital, so covered costs don’t have to be paid out of pocket.
Are pre-existing conditions covered?
No, most pet insurance providers do not cover pre-existing conditions. It’s important to get insurance as early as possible to ensure the best coverage for your pet’s health needs.
What if I need to visit an emergency clinic?
Most pet insurance plans cover emergency vet visits if treatment is medically necessary. Always review your pet insurance policy to confirm coverage in emergencies.
What happens if I don't get pet insurance?
Without pet insurance, you are responsible for paying the full cost of your pet’s veterinary care. Some treatments, surgeries or emergencies can become very expensive and without insurance it may be difficult to afford the necessary care for your pet.
Do you recommend any specific pet insurance providers?
We encourage researching different providers to find the best fit for your pet’s needs and budget. Some popular options include:
We’re happy to help with filing claims, no matter which provider you choose!