Accident and illness coverage
Most plans cover accidents and illnesses, such as injuries, infections and many chronic conditions, after waiting periods. Some plans cover accidents only.
Personal · Pets · WA · ID · OR · AZ
Pet Insurance
For dog and cat owners who want help with unexpected veterinary bills. Pet insurance works differently from health insurance: you usually pay the vet, then claim a reimbursement.
Get a pet insurance quote
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What to review
The questions that matter
Pre-existing conditions
Conditions that showed signs before coverage started, or during a waiting period, are generally excluded. Some plans reconsider curable conditions after a symptom-free period.
How reimbursement works
Plans combine a deductible, a reimbursement percentage and an annual or lifetime limit. Lower deductibles and higher reimbursement usually cost more.
Optional wellness coverage
Some insurers offer a wellness add-on for routine care such as vaccines and checkups. It works more like a budget for expected costs than insurance against the unexpected.
Your pet's liability is separate
Pet insurance pays for your pet's veterinary care, not injuries your pet causes to other people. A dog bite claim is a homeowners, renters or umbrella liability question.
Illustrative example
a swallowed toy
Your dog swallows part of a toy and needs surgery. With an accident and illness plan, you pay the vet and then claim; the plan reimburses the covered amount after the deductible, at your reimbursement percentage, up to its limits. If symptoms had appeared before coverage started, the condition could be excluded. A real claim depends on the plan and your pet's records.
What to prepare
- Your pet's species, breed and age
- Recent veterinary records, including any ongoing conditions
- Your preferred deductible and reimbursement level
- Whether you want routine-care coverage
Questions people ask
Quick answers
- Generally not. Some plans may cover a curable condition after a symptom-free period; terms vary.
- Most plans have waiting periods before accidents and illnesses are covered, and longer ones for some conditions.
- Many plans reimburse treatment from any licensed veterinarian; check the plan's terms.
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