Pet insurance guide
Plain-English explanations of every pet insurance term and decision, written to help you understand what you are buying.
The basics
Costs and value
How Much Does Pet Insurance Cost?
What drives the monthly price of pet insurance, from breed and age to deductible and reimbursement, and how to estimate your own cost.
5 min readIs Pet Insurance Worth It?
A practical framework for deciding whether pet insurance fits your budget, your pet, and your tolerance for surprise vet bills.
5 min readHow Much Is Dog Insurance?
What affects the price of dog insurance, including breed, size, age and ZIP code, and how to compare estimates for your dog.
4 min readHow Much Is Cat Insurance?
What determines the cost of cat insurance, including age, breed and indoor or outdoor lifestyle, and how to compare estimates for your cat.
4 min readCoverage and exclusions
What Does Pet Insurance Cover?
A plain-language guide to accidents, illnesses, dental, prescriptions, exam fees, alternative therapies and wellness benefits, and what to verify for each.
5 min readWhat Does Pet Insurance Not Cover?
Common pet insurance exclusions, from pre-existing conditions and cosmetic procedures to routine care, and how to find them in a policy.
4 min readDoes Pet Insurance Cover Pre-Existing Conditions?
How insurers define pre-existing conditions, why they are usually excluded, and what can change if a condition is curable.
4 min readAccident-Only vs. Accident-and-Illness Pet Insurance
The differences between accident-only and accident-and-illness pet insurance, what each covers, and how to choose between them.
4 min readInsurance terms explained
What Is an Annual Deductible?
Annual, per-condition and lifetime deductibles explained with a simple example, plus how deductible choice changes your premium.
4 min readWhat Is Pet Insurance Reimbursement?
How reimbursement percentages of 70%, 80% and 90% work, how they change your premium, and how to calculate your out-of-pocket cost.
4 min readWhat Is an Annual Coverage Limit?
Annual, per-incident and lifetime limits explained, and how to decide whether an unlimited plan is worth the higher premium.
4 min readPet Insurance Waiting Periods Explained
What waiting periods are, how long they commonly last for accidents, illnesses and orthopedic conditions, and why timing matters.
4 min readBy pet and life stage
Pet Insurance for Older Dogs
How to approach pet insurance for a senior dog, including enrollment age limits, pre-existing conditions, pricing and what to compare.
5 min readPet Insurance for Puppies
Why enrolling a puppy early can matter, minimum age rules, waiting periods, and what to check for hereditary conditions.
5 min readPet Insurance for Cats
What cat owners should know about pet insurance: common coverage questions, indoor versus outdoor cats, and how to compare plans.
5 min readCompare plans for your pet in about 2 minutes
Free to compare. No obligation. You can change your answers anytime.