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Pet Insurance: Know Before You Buy

All pet insurance providers are different. Below are some good things to know about them before choosing one.

What do they cover?

It has become pretty standard for pet insurance providers to cover accidents, illnesses, and hereditary conditions. However, not all providers cover things like dental problems, behavioral problems, or prescription food. Make sure everything you’d want covered is covered.

What don’t they cover?

All pet insurance providers have exclusions. For instance, no pet insurance provider covers pre-existing conditions, though each may define a pre-existing condition differently. Some have waiting periods that exclude certain conditions from coverage for a period of time, and some don’t cover exam fees, which are included in most vet bills. It’s important to know all of a provider’s exclusions so there are no surprises and you get the coverage you need.

Can their coverage be customized?

Some pet insurance plans can be customized to better fit your coverage needs and budget. With a customizable plan, you get to set certain things yourself, like the deductible, annual limit, and amount you’re reimbursed.

Do they offer coverage for preventive care?

Many providers offer some type of preventive care coverage for cash back on things like flea and heartworm prevention, vaccines, and spaying/neutering. If you aren’t sure whether or not you want preventive care coverage, it’s smart to choose a provider that offers it. That way, you can get it later if you’d like.

Are they well-established?

It’s good to go with a well-established provider, because they’re more likely to be around for the life of your pet. A company’s size and level of experience usually indicate how established there are.

See How We Measure Up

To learn more about pet insurance through the American Bar Association Insurance program, read about coverage on the ABA Insurance website or get a quote.


Terms & conditions apply. Underwritten by United States Fire Insurance Company.

This blog was originally published by Hartville Pet Insurance and is used with permission.

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The ABA Insurance Education Center is provided by USI Affinity, the administrator of the American Bar Association Insurance Program.
Unless stated, the opinions shared by USI Affinity writers do not reflect the official position of the American Bar Association.