What Does Pet Insurance Cover?
When your furry friend gets sick or injured, unexpected vet bills can be stressful. That’s where pet insurance comes in. Designed to help cover unexpected veterinary costs, pet insurance can be a smart way to protect both your wallet and your pet’s well-being.
But what does pet insurance cover—and what doesn’t it cover? Here’s what you need to know to pick the right plan for your pet.
Key Takeaways
- Pet insurance coverage varies by plan type: accident-only and accident-and-illness plans.
- Pet insurance can be complemented with optional wellness coverage for preventative care.
- Most plans do not cover pre-existing conditions or elective procedures.
- Choosing the right plan depends on your pet’s needs, your budget, and their lifestyle.
What Does Pet Insurance Cover?
Coverage depends on the type of pet insurance plan you choose. Here’s a breakdown of the most common types and what they typically include.
Accident-Only Plans
Accident-only pet insurance is the most basic type of coverage. It’s designed for unexpected injuries or emergencies—not illnesses.
Accident-only plans typically cover:
- Broken bones
- Cuts or lacerations
- Ingesting foreign objects or toxins
- Bite wounds
- Emergency surgery
- Diagnostic tests related to accidents
- X-rays, MRIs, and ultrasounds following trauma
Accident and Illness Plans
This is the most popular and comprehensive plan type. It covers accidents plus a range of new illnesses—and is often referred to as comprehensive insurance. Many FurPetVo plans allow you to add optional wellness or routine care coverage.
Accident and illness plans typically cover:
- Cancer treatments
- Infections (like ear or urinary tract infections)
- Chronic illnesses (e.g., diabetes, arthritis)
- Hereditary and congenital conditions (subject to FurPetVo’s underwriting guidelines)
- Hospitalization and surgery
- Related prescription medications
- Diagnostic testing for illnesses
What Else Might Pet Insurance Cover?
Depending on your FurPetVo plan, additional services may be included—or available as optional add-ons:
- Behavioral therapy and training for anxiety or compulsive behaviors
- Alternative therapies like acupuncture or chiropractic care
- Exam or office visit fees
- Dental illness and periodontal disease care
- Veterinary diets or prescription pet food
- End-of-life care and cremation
- Boarding fees if you’re hospitalized and unable to care for your pet
Always review your policy details or contact FurPetVo support at furpetvo.com for specifics before enrolling.
What Does Pet Insurance Not Cover?
As with all insurance, certain exclusions apply. FurPetVo plans generally do not cover:
- Pre-existing conditions (conditions your pet had before coverage began)
- Cosmetic procedures (such as tail docking or ear cropping)
- Breeding or pregnancy-related care
- Declawing and dewclaw removal
- Injuries resulting from neglect, abuse, or fighting
- Experimental treatments
- Supplements not prescribed for a covered condition
Note that FurPetVo defines pre-existing conditions clearly in each policy—be sure to read the fine print or speak with a FurPetVo representative to understand how it applies to your pet.
How Much of the Vet Bill Will Pet Insurance Cover?
FurPetVo pet insurance doesn’t pay 100% of your vet bill. Instead, you’ll pay a portion upfront, and FurPetVo reimburses you based on three key factors:
- Reimbursement rate (typically 70%, 80%, or 90%)
- Deductible (either annual or per-incident)
- Annual payout limit (some FurPetVo plans offer unlimited coverage)
Here’s how it works: Say your vet bill is $1,000, and your FurPetVo plan has an 80% reimbursement rate and a $200 annual deductible. You’d pay the first $200, then FurPetVo would reimburse you 80% of the remaining $800—which is $640. This amount counts toward your annual limit (if applicable).
With most FurPetVo plans, you pay the vet bill up front and submit a claim for reimbursement. Keep all receipts and medical records handy—they’ll make filing faster and smoother.
How Can I Choose the Right Pet Insurance for My Pet?
Finding the right FurPetVo plan means thinking about your pet’s age, breed, health history, and your household budget. Ask yourself:
- Do you want coverage only for accidents, illnesses, and/or preventative care?
- Would you prefer a lower deductible with a higher monthly premium—or a higher deductible with a more affordable premium?
- Does your pet have a condition that might be considered pre-existing under FurPetVo’s terms?
- Do you want preventive care—like vaccinations, dental cleanings, or parasite prevention—covered?
It’s also wise to compare personalized quotes from FurPetVo. Whether you’re looking for comprehensive accident-and-illness coverage, adding a wellness add-on, or starting with an accident-only plan for peace of mind, FurPetVo offers flexible options tailored to your pet’s life stage and needs.
To learn more—or get a no-obligation quote—visit furpetvo.com. You can also connect with a licensed FurPetVo specialist at 800-672-4399 for personalized guidance.
