Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Deciding to buy pet insurance can help you save money over the course of your pet’s long term care. Additionally, it can help you make decisions that are based on what is right for your pet instead of what your bank account can afford. In order to get the most benefits for the least expensive price, compare pet insurance rates now by entering your zip code.

There are different types of pet insurance you can buy. Dogs and cats usually have comparable pet insurance whereas birds and exotic animals tend to have different pet insurance. No matter what your pet is, you can buy the pet insurance that makes the most sense for your family.

When deciding on pet insurance, consider all of the same factors you would think about when buying your own health insurance. A quality company that stands behind its policies is critical. Getting a maximum amount of benefits is also important, as is paying a low cost.

The Types of Pets Covered by Pet Insurance

Almost every animal you own can be covered by pet insurance. If you have a dog or cat, then you may think of pet insurance more readily. Dogs and cats frequent the veterinary’s office for routine vaccinations, puppy and kitten needs, adult needs, and senior needs.

Provided your dog or cat does not have a hereditary or pre-determined condition, you can buy pet insurance for it. Some people do not think of insuring their indoor cat, but all cats should receive the same vaccines whether they are indoor or not (with the possible exception of rabies).

All cats are also prone to the same age related or cat related illnesses, such as feline leukemia. Having an outdoor cat, however, can add some veterinary visits to the mix because of fights with other animals or injuries from getting hit by a car.

While dogs and cats seem to be the obvious pet of choice to insure, you can also insure your bird or other exotic pet. Birds require special care for the beaks, claws, and wings. They also may have breed related illnesses or require other veterinary care.

Ferrets, guinea pigs, hamsters, and mice are also insurable by pet insurance. If your pet is more unusual, such as a goat or a pig, then chances are you will be able to buy pet insurance for your exotic pet as well. If your pet is legal it is most likely insurable.

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Types of Pet Insurance to Buy

When you start to do pet insurance comparison, you will see there are different types of pet insurance to buy. Some pet insurance covers accident or illnesses and other pet insurance covers routine exams and vet fees. For most of the time you can combine different types of pet insurance and pay for a package deal.

The type of pet insurance you buy may depend on the type of pet you have, the medical history of your pet if you had had him for awhile, and the age of the pet. If your pet has a medical history due to pre-diagnosed conditions, then you may not be able to insure him.

However, if your pet simply has a history of getting into lots of clumsy accidents then he is insurable. If this is the case, then you may want accidental injury and illness insurance. This would cover everything from getting hit by a car or swallowing a shoe to possibly even treating cancer.

If you take your pet to the vet routinely as it is recommended, then you may want to add wellness insurance to your policy. You can usually double your benefits for the cost of the insurance, and by having the insurance you will be able to afford the routine care your pet needs.

How Much Pet Insurance Costs

The cost of pet insurance varies from one pet insurance company to the next. Since insurance is a competitive industry, it is a good idea to compare pet insurance and find out who is offering the best deal.

Pet insurance can cost anywhere from $100 a year for routine benefits to $20 a month for more comprehensive coverage. Some plans have deductibles for certain procedures and waive the deductible for other visits. Be sure to compare all of the details of your pet insurance plans before buying a policy.

Unlike most human health insurance, pet insurance does not pay benefits to the veterinarian or the animal hospital. Instead, it reimburses you for the cost of the bill up to the amount covered by the expenses. For example, if you buy routine care insurance for $100 per year that pays out benefits of $200 per year, then during the course of that year you can submit $200 worth of bills for reimbursement.

Since pet insurance is an important decision not just to your pet’s health but to your savings account as well, choosing the right pet insurance company is important. Enter your zip code for free pet insurance quotes now!