What Is Pet Insurance?
Pet insurance works a lot like health insurance for humans. You pay a monthly premium, and if your pet gets sick or injured, your insurance helps cover part of the cost.
Most plans are reimbursement-based, meaning you pay the vet bill upfront, submit a claim, and get reimbursed later—sometimes within a few days.
What Does It Typically Cover?
Coverage depends on the plan, but many include:
- Accidents (like broken bones or swallowed toys)
- Illnesses (from infections to chronic conditions like diabetes)
- Diagnostic testing and imaging
- Emergency surgeries or hospitalizations
- Some plans even offer wellness add-ons for routine care like vaccines, dental cleanings, or annual exams
What’s Not Covered?
Most policies won’t cover:
- Pre-existing conditions
- Cosmetic procedures
- Preventive care (unless you add it on)
- Breeding-related services
That’s why enrolling your pet when they’re young and healthy can be a smart move—it keeps more options open.
Is It Worth the Cost?
That depends on your situation. Here’s what we’ve seen:
- If your pet has a serious illness or injury, insurance can save you hundreds—or even thousands—of dollars.
- If you like budgeting for peace of mind, having a policy in place helps avoid difficult financial decisions when emergencies arise.
- If you have multiple pets or a breed prone to health issues, insurance often pays for itself over time.
And even if you never use it much (lucky you!), many pet parents say the peace of mind alone is worth the price.
Our Advice?
We recommend starting your search with Pawlicy Advisor—a free, trusted comparison tool that makes it easy to find pet insurance plans that fit your budget and your pet’s needs. It lets you compare top providers like Nationwide, Healthy Paws, and Figo all in one place, and even accounts for your pet’s breed, age, and potential health risks.
Need help deciding? Ask us at your next visit—we’re happy to help explain your options or provide any medical records you may need to enroll.
Your Pet’s Health is an Investment
You already go above and beyond for your pet—and considering pet insurance is just one more way to protect the life you’ve built together. Whether you decide it’s right for your family or not, we’re always here to help guide you through your pet’s health journey.
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About Us
At Partners Veterinary Group, we believe in energizing our team members through shared values, while helping them create value for our clients and patients. Knowing we can help make pets’ and people’s lives better motivates us to continually strive for excellence and love what we do.
Our team consistently works to build educational, supportive, and cooperative work environments that cater to positive experiences and professional growth. We’re constantly evolving, creating innovative ways to deliver cutting-edge medicine to our patients. We equip our teams with tools to enhance their skills and improve their knowledge.