What Pet Insurance Typically Covers

Coverage varies by carrier and plan, but most pet insurance policies follow similar patterns. Here's a general, educational overview to help you know what questions to ask.

Commonly covered

Accidents and injuries (fractures, ingestion of foreign objects, bite wounds)
Illnesses (infections, cancer, chronic conditions like diabetes)
Diagnostic tests (X-rays, bloodwork, MRIs)
Surgeries and hospitalization
Prescription medications tied to a covered condition
Emergency and specialist vet visits
Wellness add-ons on some plans (vaccines, checkups, dental cleanings)

Typically not covered

Pre-existing conditions diagnosed before the policy started
Elective or cosmetic procedures (ear cropping, tail docking, declawing)
Breeding, pregnancy, and whelping costs
Routine wellness care, unless a wellness add-on is purchased
Costs incurred during a plan's waiting period
Behavioral training unrelated to a diagnosed medical condition
Boarding, grooming, or pet-sitting costs

This is general educational information, not a guarantee of coverage. Exact terms, waiting periods, and exclusions vary by carrier and plan — always review a policy's documents before purchasing.

What Pet Insurance Typically Covers

Commonly covered

Typically not covered

See coverage options for your pet