Core Coverage Categories

Most standard pet insurance plans cover:

Accidents

• Broken bones

• Cuts and wounds

• Poisoning

• Foreign object ingestion

Illnesses

• Infections

• Digestive issues

• Allergies

• Cancer

• Chronic conditions

Coverage typically includes diagnostics, treatment, and medication related to these conditions.

Optional Coverage Add-Ons

Some insurers offer wellness or preventive care plans that may include:

• Vaccinations

• Annual exams

• Flea and tick prevention

• Dental cleanings

These are usually structured as budget smoothing rather than true insurance.

Common Exclusions to Watch For

Most plans do not cover:

• Pre-existing conditions

• Conditions that appear during waiting periods

• Routine grooming

• Behavioral training

Each provider defines these slightly differently, so reading the policy details matters.

Limits and Caps

Coverage may be subject to:

• Annual limits

• Per-condition limits

• Lifetime caps

Higher limits generally increase monthly premiums.

Key Takeaway

Pet insurance covers more than many owners expect, but not everything. Knowing where coverage stops is just as important as knowing where it starts.

If you want to compare coverage details clearly, looking at plans side by side can make differences easier to spot.