Accident and illness coverage
Many plans cover eligible diagnostics, treatments, surgery and medication for new accidents and illnesses.
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Pet Health insurance
Help protect your pet—and your budget—from unexpected vet bills.
Pet health insurance may reimburse eligible veterinary expenses after accidents or illnesses. Learn what to compare before choosing coverage for your dog or cat.
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Start a Pet Health request →What to compare
Look beyond the monthly premium.
Policy details vary. Review the reimbursement method, deductible, annual limit, waiting periods and exclusions before enrolling.
Deductible and reimbursement
Check how much you pay first and what percentage of eligible costs the plan reimburses.
Limits and exclusions
Pre-existing conditions are commonly excluded. Waiting periods, age limits and annual maximums may also apply.
Before you apply
Have the right details ready.
Insurers may ask for your pet’s species, breed, age, ZIP code, medical history and current veterinary care.
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Your pet’s basic informationBreed, age, sex and ZIP code.
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Recent medical historyKnown conditions, symptoms and veterinary records.
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Your preferred cost balanceMonthly premium, deductible, reimbursement rate and annual limit.
Pet insurance questions
Know what the policy does—and does not—promise.
Does pet health insurance cover pre-existing conditions?
Most policies exclude conditions that began or showed symptoms before coverage started or during a waiting period. Definitions vary by insurer, so read the policy carefully.
Are routine wellness visits included?
Not always. Preventive care such as vaccines, checkups and dental cleanings may require an optional wellness add-on and may be subject to separate limits.
Is a quote or approval guaranteed?
No. Eligibility, price, coverage and availability are determined by the insurer. InstantInsuranceQuotes.com is an independent information and referral resource, not an insurer or licensed insurance agency.
Ready to begin?
Start my request →