Norton Seal
Cute pets having food- Desktop

Pet health insurance

Pet Health Insurance

Pets make our homes and lives so much better when they’re around. And we understand they’re more than just pets — they’re important members of your family. Just like your human family members, there might be times your pets get sick or needs medical attention. Pet health insurance helps you plan for these difficult times so you can lovingly care for your pet through all stages of life. 

What is Pet Insurance?

Pet health insurance is a type of health insurance just for pets that helps cover unexpected injuries and illnesses. It provides peace of mind to help you afford the care your pet needs when they’re hurt or sick.

It can cover costs if your pet has an injury, faces a serious health problem or even goes to the veterinarian for routine care. This can make health care for your pet more affordable, while helping keep them as healthy as possible so you can share a long and happy life together.

Why Get Pet Insurance?

Caring for a pet can be expensive, even when it’s just routine vet visits. And if they get hurt or sick, the bills can add up quickly. The good news is that pet insurance can help you with these expenses! Pet health insurance helps you mitigate unexpected costs and manage vet bills so you’re financially protected if something happens to your pet.  

How Much Does Pet Insurance Cost?

Some plans cost as little as $1 a day, but these prices can be affected by various factors, such as:

  • Type of animal, including species
  • Gender
  • Age
  • Breed
  • Where you live

We can help you personalize your policy to fit your needs.

What Does Pet Health Insurance Cover?

You go above and beyond for your pet, so you want your pet’s health insurance to do the same — in sickness and in health. Pet health insurance can cover many situations, including:

  • Accidents
  • Illnesses and injuries
  • Hospitalization
  • Surgery
  • Nursing care
  • Emergency and specialty care
  • Breed-specific and genetic conditions
  • Congenital conditions
  • Chronic and recurring conditions
  • Cancer treatment
  • Behavioral therapy
  • Laboratory and diagnostic tests, including X-rays and MRIs
  • Prescription drugs
  • Complementary therapies and rehabilitation
  • Exam fees for covered conditions
  • Dental illnesses

Our pet health insurance partner also offers an optional Wellness Rewards plan that helps you budget for your pet’s everyday veterinary, grooming and training costs. You can purchase this in addition to your pet’s accident and illness policy for complete coverage in sickness and in health.

Contact an agent today to learn more about pet health insurance coverage.

What Isn’t Covered by Pet Health Insurance?

Typically, there are some things that won’t be covered under a pet health insurance policy. They might include:

  • Pre-existing conditions, which are any illness, injury or irregularity noted by you or your vet before your pet’s waiting period is over, even if your pet never went to see the vet for it
  • Cosmetic procedures, such as tail docking, ear cropping and dew claw removal (unless medically necessary)
  • Any fees related to breeding, pregnancy and whelping
  • DNA testing or cloning
  • Deliberate injury by you or anyone in your household 
  • Injury or illness from fighting, racing, cruelty or neglect  
  • Avian flu or nuclear war  

Routine veterinary care (like wellness checkup exam fees, unless you add the optional wellness plan as listed above)

How to Get Pet Health Insurance

It’s easy to apply for pet health insurance! Before you fill out an application, make sure you have some information on hand, including:

  1. Pet’s name
  2. Species
  3. Gender
  4. Breed
  5. Age
  6. Your address

During the application process, you can choose from several annual deductible options. The higher the deductible you choose, the lower your pet insurance payment will be. Then you can choose how much of your vet bill you want reimbursed. The lower the percentage, typically the less your insurance payment will be. Finally, you can choose your annual maximum, or the most the plan will pay in a year.

After you enroll, the insurance company could request your pet's medical records from your veterinarian’s office.

When Will My Pet Be Covered?

Policies have a 14-day waiting period for illness coverage and a two-day waiting period for accident coverage. For dogs, there’s a six-month orthopedic waiting period (OWP) related to bones, joints, ligaments and more.

Once your waiting period has ended, your pet is covered. Rest assured coverage will be there when you need it.

You can also add additional pet insurance to your American Family homeowners policy. Different than pet health insurance, this coverage provides up to $1,000 for veterinarian bills or final expenses for a dog, cat, fish or bird as a result of a covered loss under your homeowners policy, such as a home fire. Not an existing American Family customer? Get a homeowners quote and reach out to an agent to find out how you can add a pet insurance endorsement to a home policy.

Your pet is part of your family. Give them all the love and protection they deserve with pet health insurance. Reach out to an agent to get a quote today.