Pet Insurance FAQ

Pet Insurance Graphic

Pet care can be costly – believe us, we know! When you first get a puppy or kitten, it’s a great time to plan ahead for the expenses that are to come throughout your new pet’s lifetime.

Pet insurance is a fantastic resource, especially if you take out a policy when your puppy or kitten is young and before they have any medical problems. There are insurance policies that cover wellness care as well as policies that cover illness and accidents only. Many companies provide pet insurance. See below for a list of the most common companies we’ve worked with in the past. We do not have one particular company we recommend for all pets; we suggest that you choose a company that offers a policy that best fits your pet’s needs.

A few examples of when pet insurance can be useful:

  • Your dog tears a ligament in his knee (a very common injury in active breeds) and requires surgery with a specialist – this could quickly reach $3000+.
  • Your cat eats a string and requires abdominal surgery to remove the foreign material from the gastrointestinal tract – this could cost $1500+.
  • Your elderly pet develops a condition like diabetes or kidney disease that requires close monitoring, medications, and special diets – monthly expenses can easily hit $250-500.
  • Your 70 pound dog develops allergies and requires year-round medication that costs $80 per month.

Important info about pet insurance

There are a couple key differences between pet insurance and most human health insurance.

  • Pet insurance reimburses you for covered expenses. While most human insurers directly pay healthcare providers, with pet insurance you pay your veterinarian directly then submit a claim to your insurer who sends you a reimbursement check for covered services.
  • Pet insurance does not cover pre-existing conditions. Once your pet has been diagnosed with a condition, it is unlikely that you will find an insurer that will cover it on a new policy. In one of the examples above, if your pet tears a knee ligament in his right knee, a new insurance policy likely won’t cover a future tear in the left knee, for example. This is why it is important to secure a policy when your pet is young and healthy.

For older pets 

 Even though pet insurance is most effective when purchased for a young pet, it can, in some instances, still come in handy for older pets as long as the policy is purchased before the pet begins developing health problems. We recommend that you check with insurance companies to determine if your older pet is a good candidate for a policy. We can also take a look at your pet’s history to see if we think insurance might be worthwhile.

Pet insurance companies

These are the companies that we have most frequently worked with and we hope that this list will give you a starting point for learning more about pet insurance options available. 

ASPCA Pet Insurance






Pawlicy Advisor: Compare pet insurance policies from multiple companies