Keep your furry friends safe with the best pet insurance.

Most insurers cover dogs and cats. Some providers also offer coverage for exotic pets like birds, rabbits, guinea pigs, reptiles, and horses, though options are more limited.

Standard coverage includes accidents and injuries, illnesses, surgeries, hospitalization, diagnostic tests (X-rays, blood work), prescription medications, and specialist consultations. Comprehensive plans may also cover vaccinations, dental cleanings, and wellness visits.

There are three main types — Accident-Only (covers injuries from accidents only), Accident and Illness (the most popular, covering both injuries and diseases), and Comprehensive/Wellness plans (which add routine and preventive care on top of accident and illness coverage).

Common exclusions include pre-existing conditions, cosmetic procedures (like ear cropping or tail docking), elective surgeries, breeding costs, parasites and preventable diseases, dental disease (unless caused by an accident), and in some plans, hereditary or congenital conditions.

A pre-existing condition is any illness, injury, or symptom that existed before the policy start date or during the waiting period. Most insurers will not cover these, which is why insuring pets at a young age is advisable.

A waiting period is the time between when the policy starts and when coverage actually kicks in. Accident cover typically has a shorter waiting period (1–3 days), while illness cover may have a longer one (14–30 days).

Most pet insurance works on a reimbursement model — you pay the vet bill upfront, submit a claim with receipts and medical records, and the insurer reimburses you a percentage of the eligible costs (typically 70%–90%) after your deductible is met.

A deductible is the amount you pay out of pocket before the insurer starts reimbursing. It can be annual (paid once per year) or per-incident (paid each time a new condition arises). Annual deductibles are generally more cost-effective for pets with multiple issues.

Yes. Policies may have an annual limit (maximum payout per year), a per-incident limit (maximum per condition), or a lifetime limit (maximum over the pet’s lifetime). Unlimited annual benefit plans are also available but come at a higher premium.

You visit the vet and pay the bill, then submit a claim form along with your vet invoice and medical records to your insurer — either online, via app, or by mail. Processing times vary but typically take 5–15 business days.