Pet insurance helps cover the cost of unexpected veterinary expenses, including accidents, illnesses, and sometimes routine care, depending on the plan. You pay a monthly premium, and when your pet needs medical attention, you submit a claim for reimbursement. Some providers, like Trupanion, offer direct payment to our hospital, so you only pay your portion at checkout.

Coverage varies by provider and plan, but most policies cover:

Accidents (broken bones, injuries, toxic ingestions)

Illnesses (infections, allergies, chronic conditions, cancer)

Diagnostic tests (bloodwork, X-rays, ultrasounds)

Surgeries and hospitalizations

Prescription medications

Some plans also offer wellness coverage for routine exams, vaccinations, and preventive care.

If your pet is insured with a company like Trupanion, which offers direct reimbursement, they can pay us directly at checkout. For other insurance providers, you’ll typically pay the bill upfront, submit a claim, and receive reimbursement based on your plan’s coverage. We’re happy to assist with any necessary documentation!

Most pet insurance companies do not cover pre-existing conditions, meaning any illness or injury your pet had before enrollment won’t be covered. However, some providers may cover curable pre-existing conditions if your pet has been symptom-free for a certain period. It’s best to enroll your pet as early as possible to maximize coverage.

When selecting a plan, consider:

Coverage options (accidents, illnesses, routine care)

Monthly premiums and deductibles

Reimbursement rates (percentage of costs covered)

Whether the provider offers direct payment to vets (like Trupanion)

We recommend researching providers like Pets Best and Trupanion, both of which we partner with, to find a plan that best fits your pet’s needs.

Yes! Pet insurance helps alleviate the financial burden of unexpected veterinary costs, ensuring your pet gets the best care without hesitation. Medical emergencies, surgeries, and chronic conditions can be expensive, and having insurance means you won’t have to choose between your pet’s health and your budget. Many pet owners find that insurance provides peace of mind and significant savings over time.

The best time to get pet insurance is as early as possible, ideally when your pet is young and healthy. Most providers do not cover pre-existing conditions, so enrolling early ensures that future illnesses and injuries will be covered. Puppies and kittens, as well as newly adopted pets, are great candidates for early enrollment to maximize benefits.