Pet insurance helps pay the vet bills when your dog or cat is hurt or gets sick. Instead of facing a large bill on your own, you pay a monthly premium and are reimbursed for covered care.
Southend Insurance can help you compare plans, deductibles and reimbursement levels so the coverage fits your pet and your budget.
What pet insurance can cover
- Accident coverage
- Illness coverage
- Emergency and specialist care
- Surgery and hospital stays
- Prescription medication
- Optional wellness and routine care
Good to know: Most plans don't cover conditions your pet already has when coverage starts, and most have a waiting period before coverage begins. It pays to enroll while your pet is young and healthy.
Pet Insurance FAQs
What does pet insurance cover?
Most plans cover unexpected accidents and illnesses, including exams, tests, surgery, hospital stays and prescriptions. Routine care such as vaccines and checkups is usually an optional add-on.
Are pre-existing conditions covered?
Generally no. Conditions that show up before coverage starts or during the waiting period are typically excluded, which is why enrolling early matters.
Can I use my own vet?
With most plans, yes. You pay the vet, send in the bill, and the plan reimburses you for the covered amount.