Pet Insurance 101

A Trusted Resource for PS4C Clients & Pet Parents

Veterinary care is essential for your pet’s health—but it can also be expensive. A single emergency or chronic condition can lead to bills of $1,000 to $7,000 or more. Pet insurance helps offset these costs by reimbursing a portion of your expenses.

This guide outlines how pet insurance works, what it covers, how to compare providers, and why early enrollment matters.

What Is Pet Insurance?

Pet insurance is a health coverage plan for your pet. You pay a monthly premium, and in return, the insurer reimburses you for eligible veterinary expenses. According to the North American Pet Health Insurance Association (NAPHIA), this type of coverage helps pet owners make treatment decisions based on need—not financial limits.

Learn more from the industry’s leading authority:NAPHIA Overview

What’s Typically Covered?

Coverage varies by provider, but most plans include:

• Emergency care and accidents

• Illnesses and diagnostic tests

• Surgeries and hospitalization

• Prescription medications

• Optional wellness benefits (e.g., vaccines, dental cleanings, flea/tick prevention)

Note: Most plans exclude pre-existing conditions. Some also include waiting periods before full benefits begin, so enrolling before issues arise is important.

How It Works

Most pet insurance operates on a reimbursement model:

1. Pay the veterinary bill at the time of service

2. Submit your claim with receipts and documentation

3. Receive reimbursement based on your plan’s terms

Veterinarians don’t bill insurers directly, but most will assist you with the forms needed to file a claim.

What to Look For in a Policy

When comparing providers, consider:

• What services are included or excluded

• Reimbursement rate (commonly 70%, 80%, or 90%)

• Annual or lifetime payout limits

• Deductible structure (per year vs. per condition)

• Claim processing times and customer reviews

• Flexibility in choosing your vet

Compare leading options at:

PetInsuranceReview.com

See NAPHIA’s Member Directory

Questions to Ask Before Enrolling

• Does it cover both accidents and illnesses?

• Are hereditary or breed-specific conditions included?

• Is preventive care an add-on or part of the base plan?

• How long is the waiting period?

• Can I use any licensed vet?

Why We Recommend It

We’ve seen how pet insurance helps our clients handle unexpected costs—especially during emergencies or long-term care situations. Whether for a new puppy, a senior pet, or a high-energy breed, having coverage in place can reduce stress when making medical decisions.

Need Help?

If you’re unsure where to start, we’re happy to point you toward helpful resources. Message us in your Time To Pet Portal or ask during your next visit.

A small monthly premium today can help protect your pet and your finances in the future.

Review your options, read the details, and choose a plan that fits your family’s needs.