Pet Insurance

 Most comprehensive plans cover:

• Accidents (broken bones, swallowed objects, toxic ingestions)
   
• Illnesses (infections, chronic conditions, cancer)
   
• Diagnostics and testing (X-rays, MRIs, bloodwork)
   
• Surgery and hospitalization
   
• Prescription medications
   
• Alternative therapies like acupuncture or chiropractic (when prescribed by a vet)
  Wellness care (annual exams, vaccines, grooming, training) is usually optional through a preventive add-on.

 Typical exclusions include:

• Pre-existing conditions (unless curable and symptom-free for a set period)
   
• Cosmetic or elective procedures (like tail docking or declawing)
   
• Breeding, pregnancy, or whelping-related costs
   
• Preventive and routine care without a wellness add-on

•  Deductible: You choose an annual amount you’ll pay before coverage kicks in.
   
• Reimbursement rate: After your deductible, the plan covers a percentage of eligible costs (commonly 70%, 80%, or 90%).
   
• Annual limit: You select an annual maximum payout (with some plans offering unlimited coverage).
   

This flexibility helps you tailor coverage to your budget and needs.

 Most pre-existing conditions are excluded. However, some curable conditions (like ear infections or GI issues) may be eligible if your pet shows no symptoms or treatment needs for a defined period, typically 12 months. Incurable conditions (like diabetes or arthritis) remain excluded. 

Yes. Most policies have:

• Accidents: coverage begins in about 2 days
   
• Illnesses: coverage begins after 14 days
   
• Orthopedic conditions (dogs only): may have a 6-month waiting period (which can sometimes be reduced with a vet exam/waiver).

 Yes—most plans allow you to visit any licensed vet, including emergency or specialty clinics. Claims are usually reimbursed afterward. 

 Yes. Many providers offer a discount when you insure more than one pet under the same policyholder.

 Yes. Older pets can still be insured, but accident-only coverage may be the only option after a certain age. Premiums and coverage eligibility can also vary by breed due to hereditary or congenital conditions.