Education Blog

09 March 2018

Pet Insurance FAQ

Considering pet insurance for your dog or cat?  Check out there ‘Pet Insurance Coverage Questions’

1. What is covered by pet insurance?

Most insurance plans cover unexpected health issues with your pet such as accident or illness so if your pet gets sick or injured, you’re financially ready to pursue treatment.  Some plans also include preventative or wellness coverage to assist in the cost of more routine pet care.

Generally speaking, nearly all plans which cover accident or illness will have applicable waiting periods before a pet is eligible for coverage.  Most will also have terms and conditions surrounding pre-existing conditions which will likely not be covered. For covered conditions, expect policies to cover medically necessary veterinary treatments, including:

  • Diagnostic testing such as x-rays and blood tests
  • Hospitalization, including any treatments while in the hospital
  • Surgeries
  • Prescription medications

Click here for a side by side comparison of the leading pet health insurance companies.

2. What is a pre-existing condition?

A pre-existing condition means that the condition first occurred or showed clinical signs or symptoms before your pet’s insurance coverage started. In general, pet insurance will only cover future conditions your pet may develop. If there is a condition your pet is currently being seen for or has been seen for in the past, more than likely it would be considered pre-existing, this includes congenital diseases and prior, untreated injuries.

3. How are claims handled?

Claims management tends to vary among pet insurance companies.  In most cases, you pay your veterinarian directly out of pocket for services provided and initiate the claims process which includes submitting an invoice and medical records.  Within days of submission, your insurance company should contact you with a claims response and payment if approved.  Most companies also offer a pre-authorization of treatment process for subscribers which to confirm their coverage before deciding on treatment for their pet. We highly recommend this process.

We’re pleased to share after many years of watching the pet insurance industry introduce new companies and plan types, as veterinarians, we’re finally seeing some great improvements including direct pay to veterinarians, more reasonable coverage and premiums due to rate competitiveness, no limits plans, expanded specialist coverage, etc.



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Lafayette Veterinary Care Center