Pet insurance helps cover the cost of unexpected veterinary bills if your dog or cat gets sick or injured. It’s like a safety net for pet parents — helping you afford the best care without worrying about the price tag during an emergency. Just like car insurance, it won’t cover routine check-ups or any health issues your pet had before the policy started (known as pre-existing conditions), but it can make a big difference when surprise vet visits happen.

Prices vary depending on your pet’s species, breed, age, and where you live. In general, dog insurance tends to cost more than cat insurance, and older pets usually cost more to insure than younger ones. Most insurance providers let you customize your plan to fit your budget — adjusting things like your deductible, reimbursement rate, and coverage limit. Comparing a few quotes is the best way to find the right plan for your pet and wallet.

A pre-existing condition is any health issue your pet had before your insurance coverage began — even if they weren’t formally diagnosed. This could be anything from allergies to an old injury. Most insurance companies won’t cover treatment for these conditions, though some may cover curable issues if your pet goes a certain period without symptoms.

If you’d do anything to help your pet in an emergency, pet insurance can bring peace of mind. Instead of facing a $3,000 vet bill all at once, you can pay a manageable monthly premium. It’s a way to plan ahead and protect your pet — and your finances — from the unexpected.

Nope! One of the great things about pet insurance is that there are no networks. You can visit any licensed vet, specialist, or emergency clinic. Just pay the bill, submit a claim, and your provider will reimburse you based on your plan.

Vaccines are considered preventive care, so they’re usually not included in standard insurance plans. Some insurers offer add-on wellness packages that can help cover the cost of vaccines, annual checkups, and more.

Spay and neuter procedures fall under preventive care, so they’re not covered by regular accident/illness insurance. However, some companies offer optional wellness plans that may reimburse you for these procedures.

There’s no one-size-fits-all answer — the best pet insurance depends on your pet’s age, breed, health history, and your budget. Some plans offer better coverage for accidents, while others include wellness care or have lower deductibles.

Instead of spending hours comparing on your own, take our quick quiz to compare top-rated plans and find a plan that works for your budget.