Best Pet Insurance Companies of 2025

What does pet insurance typically cover?

Pet insurance usually covers accidents, illnesses, surgeries, hospital stays, and prescription medications. Some policies also include diagnostic tests, hereditary conditions, and emergency care. Wellness plans can add coverage for routine check-ups, vaccinations, and dental cleanings. Coverage varies by provider, so reviewing exclusions and reimbursement terms is key before purchasing.

Does pet insurance cover routine and preventive care?

Routine and preventive care, such as vaccinations, flea/tick prevention, dental cleanings, and annual wellness exams, is not typically included in standard accident and illness plans. However, some insurers offer wellness add-ons that reimburse these costs. These add-ons can help lower overall pet healthcare expenses but may not cover all routine veterinary services.

Are hereditary and breed-specific conditions covered?

Some pet insurance plans cover hereditary and breed-specific conditions, such as hip dysplasia or heart disease, but coverage varies. Policies may require that pets enroll before a certain age or be symptom-free at signup. If your pet’s breed is prone to genetic issues, it's important to confirm whether the policy includes coverage and whether there are any waiting periods or restrictions.

Can I use any vet, or do I need to stay in-network?

Most pet insurance plans allow pet owners to visit any licensed veterinarian, emergency clinic, or specialist without being restricted to a network. This flexibility ensures you can choose the best care provider, whether at home or while traveling. Some policies also offer coverage for international vet visits, but it's important to check provider details for any location-based limitations.

Are there discounts for insuring multiple pets?

Yes, many pet insurance companies offer multi-pet discounts when you enroll more than one pet under the same provider. Discounts typically range from 5% to 10% per additional pet, reducing overall policy costs. However, each pet usually has its own deductible and policy terms, so reviewing the full details is essential when covering multiple pets under the same provider.

Are there discounts for insuring multiple pets?

Yes, many pet insurance companies offer multi-pet discounts when you enroll more than one pet under the same provider. Discounts typically range from 5% to 10% per additional pet, reducing overall policy costs. However, each pet usually has its own deductible and policy terms, so reviewing the full details is essential when covering multiple pets under the same provider.

Does pet insurance pay the vet directly, or do I have to file a claim?

Most pet insurance providers operate on a reimbursement model, meaning you pay the vet upfront and then submit a claim for repayment. Some providers offer direct payment to veterinarians, reducing out-of-pocket expenses, but this is less common. If avoiding large upfront payments is a priority, it’s important to check whether an insurer provides direct-pay options.

How long does it take to get reimbursed for a claim?

Claim processing times vary by provider but generally take between a few days to two weeks. Some insurers offer expedited processing through online submissions, while others may take longer if medical records are required. Choosing a provider with a strong reputation for fast claims can ensure quicker reimbursement. Opting for direct deposit also helps speed up payment delivery.

What happens if I cancel my policy?

You can cancel pet insurance at any time, but refund policies vary. Some providers offer prorated refunds if canceled within a specific period, while others may charge a cancellation fee. If you cancel and later re-enroll, any conditions diagnosed while uninsured may be considered pre-existing and excluded. Reviewing cancellation terms before making a decision helps avoid gaps in coverage.

Is there a waiting period before coverage starts?

Yes, most pet insurance plans have waiting periods before coverage becomes active. Accident coverage typically starts within a few days, while illness coverage may take 14 days or longer. Some conditions, such as orthopedic issues, may have extended waiting periods. Knowing these timelines helps set expectations, ensuring your pet has coverage when they need it.

Does pet insurance cover prescription medications and special diets?

Most pet insurance policies cover prescription medications for accidents and illnesses but typically exclude special diets, supplements, and non-prescription treatments. Some wellness plans may reimburse prescription food if deemed medically necessary. Checking policy details helps determine whether your pet’s medication and dietary needs are eligible for reimbursement.