Pet insurance reimburses you for covered vet bills after you pay the clinic. What’s “covered” depends on the plan tier you choose, here’s how the three main types compare.
The three coverage tiers
- Accident-only: the cheapest plan. Covers injuries: broken bones, swallowed objects, bite wounds, lacerations. It does not cover illness.
- Accident & illness: the most popular plan. Adds coverage for illnesses like infections, cancer, diabetes, allergies, and hereditary or chronic conditions.
- Comprehensive (with wellness): accident & illness plus an optional wellness/preventive add-on that helps pay for routine care like vaccines, annual exams, and dental cleanings.
What’s typically covered
Under an accident & illness plan, expect coverage for:
- Emergency visits and surgery
- Diagnostics (X-rays, bloodwork, MRIs)
- Hospitalization
- Cancer treatment
- Prescription medications
- Hereditary and congenital conditions (if not pre-existing)
What’s usually NOT covered
- Pre-existing conditions: anything your pet showed signs of before coverage began.
- Routine/preventive care: unless you add a wellness plan.
- Cosmetic or elective procedures (e.g. tail docking, declawing).
- Breeding or pregnancy costs, in most plans.
- Waiting-period claims: illnesses or injuries during the initial waiting window.
The bottom line
Most owners choose accident & illness coverage for the balance of price and protection. Decide which tier fits your pet, then compare quotes to see real prices.