We know how much your pets mean to you because we feel the same way about ours. They’re not just animals; they’re family. And just like any loved one, you want to be ready when something goes wrong. That’s why more and more pet parents are exploring pet insurance.

At WoofDoctor on Wheels, we’ve seen firsthand how pet insurance can make all the difference. It’s not just about saving money. It’s about removing the financial stress so you can focus on what matters: getting your pet the care they need.

This guide breaks down everything you need to know about pet insurance: what it is, what it covers, how it works, what it costs, and what to look for when comparing plans. Whether you’re just beginning your research or trying to decide between providers, we’re here to help you make an informed decision that fits your pet, your budget, and your peace of mind.

What You Need To Know

• How Does Pet Insurance Work?
• Benefits of Pet Insurance
• Drawbacks of Pet Insurance
• What Pet Insurance Really Costs
• What Types of Veterinary Expenses Will You Face?
• Types of Pet Insurance Plans
• What Does Pet Insurance Cover?
• Understanding Policy Terms
• How Does Pet Insurance Differ From Human Health Insurance
• Key Factors to Consider When Shopping for Pet Insurance
• What Should Be Covered In a Pet Insurance Policy?
• Pet Insurance Buying Tips
• How Are Refunds Calculated?
• Real-Life Experiences from WoofDoctor on Wheels Staff
• Recommendations & Provider Comparisons from WoofDoctor on Wheels
• Alternatives to Pet Insurance
• FAQ
• Where Can I Learn More?

How Does Pet Insurance Work?

Pet insurance is a health policy for your pet that helps cover the cost of veterinary care if they get sick, injured, or need treatment for a chronic condition. Depending on the plan you choose, it can reimburse you for a wide range of medical expenses—from emergency surgeries to medications, cancer treatment, and even alternative therapies like acupuncture or laser therapy.

Most pet insurance works on a reimbursement model: you pay your veterinary bill up front, submit a claim (usually through an app or website), and then get reimbursed based on your plan’s coverage percentage. Some providers, like Trupanion and Pets Best, offer direct pay to veterinary clinics. With direct pay, you might not have to pay the full cost out of pocket if your vet is set up to accept it.

Pet insurance reimburses 70–90% of approved costs paid to licensed veterinarians. Core coverage protects against accidents, sudden or chronic illnesses, and related medical expenses like diagnostics, surgery, and medication.

Who’s It For?

Pet insurance isn’t just for dogs and cats. Many providers offer coverage for birds, reptiles, rabbits, horses, and other exotic companions too. Within dog and cat policies, nearly every breed and age group can be insured. That said, your pet’s species, breed, age, and health history will influence your monthly premium and what conditions are eligible for coverage.

It’s also important to note that most pet insurance plans do not cover routine or preventive care (like annual exams, vaccines, or dental cleanings) unless you opt into a wellness add-on.

Pro Tip from the WoofDoctor Team

The earlier you enroll, the better. Getting coverage while your pet is young and healthy helps avoid exclusions for pre-existing conditions and can lead to lower monthly costs over time.

Watch this brief video to learn more about how pet insurance works:

Benefits of Pet Insurance

We’re often asked: “Is pet insurance really worth it?” And while the answer depends on your pet and your budget, we can confidently say that for many families, the answer is a resounding yes.

At WoofDoctor on Wheels, we’ve seen how pet insurance can be the difference between making a hard decision and confidently saying “yes” to the care your pet needs. From unexpected accidents to long-term medical management, insurance helps lighten the financial load so you can focus on what matters most—your pet’s health and comfort.

Here’s a breakdown of the top benefits:

🚨 Rising Veterinary Costs Are Real

Veterinary care has advanced by leaps and bounds in the last two decades. We now have access to MRI machines, laparoscopic surgery, board-certified specialists, and gold-standard medications. But with progress comes cost.

Between 2023 and 2024 alone, the cost of veterinary services rose nearly 8% and that trend isn’t slowing down. What used to be a $2,000 surgery in the ’90s might cost $8,000–$10,000 today, depending on diagnostics and specialist care.

Insurance helps smooth those expenses out. Instead of one gut-punch bill, you pay manageable monthly premiums that help cover the care your pet needs when it matters most.

💸 It Helps Cover Major Vet Expenses

Pet insurance can reimburse you for 70% to 90% of your eligible veterinary costs, after your deductible, depending on your plan. That includes big-ticket items like surgery, hospitalization, emergency care, diagnostics, and sometimes even alternative therapies like acupuncture or rehab.

Many families are surprised by how quickly those costs add up. Here’s what an emergency visit could look like for a dog:

And here’s a similar estimate for cats:

If your pet ends up in the ER or needs surgery, you’re likely looking at $1,000–$10,000+, sometimes in a single weekend.

Here’s what a real bill could look like with and without insurance (assuming the insured has already met their deductible):

🧾 Real Veterinary Emergency Example

Don’t believe us? Take a look at what just happened to a client of ours, an 8-year-old boxer who ingested a few squeaker toys, which led to a foreign body obstruction. Rosie’s pet parents took her to CVRC, which cost them roughly $12,000 to save her life. Below is their first invoice (note: sensitive information redacted to maintain privacy). Thankfully, Rosie is alive and thriving. But, this was a massive out of pocket expense! Had Rosie been insured, her pet parents would have paid something closer to $1,200.

 

🧠 Peace of Mind in a Crisis

When your pet’s life hangs in the balance, you shouldn’t have to ask yourself, “Can I afford this?” With insurance, you’re free to focus on the decision, not the dollar signs.  Knowing you’re covered helps you say “yes” to care in the moment, without second-guessing or delaying while you scramble for funds. That kind of peace of mind is priceless when your pet’s health is on the line.

One pet parent shared that her dog’s cancer treatment totaled over $28,000, and her insurance covered $25,000 of it. She still paid a few thousand out of pocket but without insurance, that might have been a choice between treatment and euthanasia.

We’ve seen similar stories firsthand. One of our team members, Cheryl, credits Trupanion with extending her dog Bruce’s life by 5–6 years. Insurance gave her the ability to say “yes” to advanced diagnostics and specialty care without hesitation.

🚑 Emergency Protection

Did you know that 1 in 3 pets will need emergency treatment each year? And nearly half of pet owners underestimate what their pet’s lifetime care will actually cost. It’s not uncommon for a serious accident or illness to cost $5,000 to $10,000 over the course of diagnosis and treatment.

With insurance, the cost of that care may be closer to your annual premium. For example, the average premium for dogs is around $675/year ($56.25/month). That could be recouped in a single claim if your dog ends up needing an emergency surgery or hospitalization.

🩺 Insurance Leads to Better Health Outcomes

We see it all the time: insured pets come in more consistently. That means more regular checkups, earlier diagnoses, and better outcomes.

• A routine blood panel that catches kidney disease in its early stages
• A small lump found during a wellness exam that turns out to be cancer but caught early enough to treat
• An odd behavior that turns out to be the start of something serious

Pet parents with insurance don’t hesitate to schedule care. And when cost isn’t a barrier, pets benefit. Full stop.

🌎 Freedom to Choose Your Vet

Pet insurance isn’t tied to a specific network. That means you can visit any licensed veterinarian, emergency hospital, or specialist, including your local mobile team (hey, that’s us!). You’re not limited to a narrow provider list or forced into long wait times just to use your benefits. We should mention that only two insurance providers offer direct vet payments (Trupanion and Pets Best), but not every veterinarian will accept payments from them. The nice thing about each of those insurance providers is that you can still utilize reimbursements, in the event a veterinarian is unable to accept direct payment. Note, WoofDoctor on Wheels is set up to accept Trupanion but not Pets Best. However, CVRC is set up to accept both.

🧬 Coverage for Chronic, Breed, & Age-Related Conditions

Good insurance plans cover more than just accidents and emergency care. They also help with the long-term stuff. This includes genetic and breed-specific conditions like hip dysplasia, heart disease, cancer, as well as chronic illnesses like diabetes, thyroid disorders, and kidney disease. Many also cover dental trauma, behavioral issues, and other common concerns.

Even better? Some plans also reimburse for alternative care like acupuncture, laser therapy, or rehabilitation or veterinarian-prescribed therapies like Pulsed Electromagnetic Field (PEMF). Don’t forget, WoofDoctor on Wheels is proud to offer Laser Therapy and PEMF to support pets in recovery, or with acute or chronic pain.

Think your pet is too old for insurance? Many providers don’t have an upper age limit for enrollment. That means it’s not too late to get coverage for your senior dog or cat. Just keep in mind: the older your pet is, the higher the monthly premium is likely to be and any pre-existing conditions will still be excluded. But for many pet parents, the peace of mind is worth every penny.

💡 Customizable to Fit Your Budget and Your Pet’s Needs

Most providers let you choose your:

• Annual deductible
• Reimbursement rate (usually 70%, 80%, or 90%)
• Annual coverage limit

Type of coverage is also customizable

• Accident
• Accident & Illness
• Wellness

While standard pet insurance usually doesn’t cover vaccines or routine care, many companies offer wellness packages that reimburse for:

• Annual exams
• Vaccines
• Spay/neuter
• Flea/tick/heartworm prevention
• Routine bloodwork
• Dental cleanings

Some plans even help cover training, grooming, and microchipping. This means you can tailor a plan that fits your financial needs, whether you want a lower monthly premium or more coverage when it matters most.

💵 It’s More Affordable Than You Think

Basic plans that cover accidents and emergencies typically cost:

• $46–$60/month for dogs
• $25–$32/month for cats

That’s about $1.50–$2.00 per day. That’s the cost of a cup of coffee, for peace of mind in an emergency. More comprehensive plans may cover things like illness, diagnostics, prescriptions, and even dental cleanings or vaccines (if you choose wellness add-ons).

And if you’re lucky enough to have employer-sponsored options, it may cost even less.

🔑 Key Takeaways: Why Pet Insurance Is Worth It

✅ Helps cover the cost of accidents, illnesses, and emergencies
✅ Gives you peace of mind when making medical decisions
✅ Lets you choose any licensed vet or specialist
✅ Offers options to fit your budget and lifestyle
✅ Can include wellness and preventive care add-ons
✅ Provides ongoing coverage for chronic conditions

We believe pet insurance isn’t just a safety net. It’s a plan for peace of mind. When the unexpected happens (and it will), having insurance can be the difference between financial panic and confident action.

We’ll never pressure you into getting pet insurance. But we will always tell you the truth:
The earlier you get it, the better. And one good claim can more than pay for years of premiums.

If you’re not sure where to start, we recommend using Pawlicy Advisor to compare policies based on your pet’s age, breed, and health. Or feel free to reach out. We’re always happy to help you make the best choice for your pets.

Drawbacks of Pet Insurance

Pet insurance can be an incredible tool, but like any insurance product, it isn’t perfect. Understanding the limitations can help you make a smart, informed decision and avoid surprises down the road.

Here’s what to keep in mind:

💳 You Still Pay Up Front (Usually)

Most pet insurance plans follow a reimbursement model, meaning you pay your vet bill out-of-pocket, submit a claim, and then get reimbursed, often within a few days to a couple of weeks.

Some providers, like Trupanion and Pets Best, offer direct vet pay at participating clinics, but that’s not yet the norm (and not available everywhere). If you’re not prepared to cover the initial cost yourself, this can still be a financial hurdle, especially during emergencies. Note, WoofDoctor on Wheels is set up to accept Trupanion but not Pets Best. However, CVRC is set up to accept both.

🚫 No Coverage for Preventative Care or Pre-Existing Conditions (Unless You Add It)

Standard pet insurance plans do not cover:

• Vaccines
• Spay/neuter
• Annual wellness exams
• Dental cleanings
• Flea/tick/heartworm prevention

These are often offered as optional wellness plan add-ons, which come at an extra monthly cost and they vary widely in quality and value. Some companies, like Trupanion, do not offer wellness add-ons at all.

More importantly, most plans do not cover pre-existing conditions. This means any illness or injury your pet was diagnosed with (or showed symptoms of) before your policy begins, or during the waiting period, won’t be eligible for reimbursement. However, this doesn’t mean your pet won’t be able to receive any coverage at all. It simply means that specific condition will be excluded. For example, if your pet had a mast cell tumor removed before enrollment, future treatment for mast cell tumors likely won’t be covered. But if they later develop an unrelated issue like a broken leg or a foreign body obstruction, those treatments would still be eligible. This is why enrolling early, before problems arise, is one of the best things you can do.

⏳ Waiting Periods Can Delay Coverage

Pet insurance coverage doesn’t start the moment you enroll. Most policies have a waiting period, which is a short window of time after your policy begins but before certain types of claims are eligible for reimbursement.

Typical waiting periods include:

• 2–5 days for accidents

• 14–30 days for illnesses

• Up to 6 months for orthopedic conditions (some companies allow you to waive this with a vet exam)

Here’s the key:
If your pet becomes sick or injured during a waiting period, that issue will be considered a pre-existing condition and won’t be covered, even after the waiting period ends.

For example, if your dog breaks a leg within the first 3 days of your policy, that injury won’t be reimbursed. But if the accident happens after the waiting period passes, and it’s not related to a prior issue, it should be eligible for coverage.

While waiting periods are short, they’re important to understand—especially if you’re signing up because of a recent scare or close call. The earlier you enroll, the more likely your pet will be fully covered when the unexpected happens.

🧐 Not All Policies Are a Good Fit

Pet insurance isn’t one-size-fits-all. Some plans don’t cover certain breed-specific issues (like hip dysplasia, heart conditions, or brachycephalic airway syndrome), even if those conditions are common in your pet’s breed.

It’s also possible to waste money on a plan that doesn’t align with your pet’s specific risks or your budget. That’s why we recommend using a tool like Pawlicy Advisor to compare policies based on breed, age, medical history, and lifestyle. Take a look at this video to learn more about how Pawlicity Advisor can help:

📈 Premiums Usually Increase With Age

As your pet gets older, their premiums are likely to rise, sometimes significantly. This can make it harder to keep your policy long-term unless you plan for that increase from the start.

❗️Claims Can Be Denied

Pet insurance can be a lifesaver, but claims aren’t guaranteed to be approved. Claims may be denied or only partially reimbursed for a few key reasons:

• Incomplete documentation: Missing invoices, unclear medical notes, or lack of proof of payment can all delay or block your claim.
• Pre-existing conditions: If the condition is determined to have existed before your coverage began (or during the waiting period), it won’t be eligible.
• Missed claim deadlines: Some insurance providers have strict claim submission windows. For example, Pets Best requires claims to be submitted within 180 days of the treatment date. Others may be more lenient, but it’s important to know your policy’s rules.

To avoid headaches or denied reimbursements, we strongly recommend:

• Reading your policy in full
• Keeping organized medical records
• Save proof of payment
• Submitting claims promptly
• Use your provider’s app or portal for easy uploads

When in doubt, don’t wait. File the claim. Even if it seems minor, it could end up reimbursable later if the condition progresses. Better to have it on record.

🐾 A Quick Recap

Pet insurance may not be perfect, but many of these drawbacks can be minimized by:

• Choosing the right policy early
• Reading the fine print before you buy
• Understanding your pet’s health risks
• Asking questions and comparing plans (we recommend starting with Pawlicy Advisor)

Our advice? Don’t let the potential cons scare you off. Just be informed. With a little homework upfront, pet insurance can still offer huge benefits when it matters most.

What Pet Insurance Really Costs

Let’s be honest. When people hear “insurance,” their first thought is usually: how much is this going to cost me?

The good news is: pet insurance is more affordable than most people think, especially when you consider what a single emergency vet visit might cost without it.

💡 Average Monthly Costs

According to national data from 2024:

• Dogs:
  • Average Monthly Premium: $62.41/mo
  • Typical Range: $37.18 – $72.99/mo
• Cats:
  • Average Monthly Premium: $32.21/mo
  • Typical Range: $23.84 – $49.76

These averages are for accident and illness plans, which offer the most comprehensive coverage. Accident-only plans are cheaper, while policies with wellness add-ons (for vaccines, dental cleanings, etc.) will raise your monthly cost. For a more robust comparison of policy prices in the U.S., NAPHIA (2025) shows:

🧾  What Factors Affect The Price?

The cost of pet insurance varies based on several factors:

• Species: Dogs are usually more expensive to insure than cats, simply because their care tends to cost more.
• Breed: Some breeds (like French Bulldogs or Rottweilers) are more prone to health conditions, which increases premiums.
• Age: The older your pet, the higher the premium. Insuring them young locks in better rates and reduces exclusions.
• Gender: Male pets may have slightly higher premiums due to increased risks of certain conditions.
• Location: Vet care in big cities and high-cost-of-living areas tends to be more expensive, and your policy will reflect that.

Even within the same ZIP code, two dogs of different breeds and ages can have very different monthly rates.

🛍️  What You Get for That Monthly Premium

A $40–$70/month policy may cover:

• ER visits
• Surgery
• Diagnostics
• Hospitalization
• Chronic or genetic conditions
• Cancer treatment
• Prescription meds
• Some alternative therapies

Wellness coverage (like vaccines or heartworm prevention) is usually optional and adds another $10–$30/month depending on the insurer.

Compared to the cost of just one foreign body removal ($3,000–$10,000) or a weekend of hospitalization ($1,500–$3,500+), your monthly premium starts to look like a smart safety net.

🐶  Real-World Context

Let’s say your monthly premium is $55. Over the course of a year, that’s $660—less than the cost of a single overnight ER visit with diagnostics and meds.

That’s also:

• Less than your daily coffee habit
• Less than a premium Netflix + Hulu + Spotify subscription
• About what you’d pay for one meal out per week

But it could save you thousands when it really matters.

🐾  Our Takeaway

Pet insurance isn’t one-size-fits-all, but there’s likely a plan out there that fits your needs and your wallet. The key is customizing it smartly and understanding exactly what you’re getting.

Need help deciding what level of coverage makes sense for your pet? We’re happy to help walk you through it. And we always recommend starting with a quote comparison from Pawlicy Advisor. It’s fast, free, and helps you make an apples-to-apples decision.

What Types of Veterinary Expenses Will You Face?

Just like people, pets go through stages: puppy or kitten wellness, surprise illnesses, injuries, and age-related conditions. Each stage comes with its own veterinary expenses. While you can plan for routine care, many health costs arise when you least expect them. That’s where pet insurance comes in: it helps you prepare for the unpredictable while budgeting for the things you can anticipate.

We recommend taking a few minutes to estimate your pet’s potential healthcare costs over their lifetime. Consider their species, age, breed, current health, and any past medical issues or injuries. Factor in the typical cost of wellness visits, dental cleanings, diagnostics, medications, emergencies, and potential chronic conditions. Once you have a rough idea of these expenses, you’ll be in a much better position to choose the right insurance plan for your needs and avoid financial surprises later.

Here’s what most pet parents can expect:

🩺  Wellness Care (aka Preventative Care)

These are your planned expenses—the things you can circle on a calendar and save up for. This includes:

• Annual or semi-annual checkups
• Vaccinations
• Parasite screening
• Flea/tick and heartworm prevention
• Bloodwork and urinalysis
• Spay/neuter
• Dental cleanings

Because these are expected and usually manageable in cost, they aren’t typically covered by standard pet insurance. But if you’d prefer help budgeting for routine care, many providers offer a wellness add-on for an extra monthly fee.

At WoofDoctor on Wheels, you can expect to pay, on average, the following each year:

Note: Fees vary based on your pet’s health, age, and weight. The values above are averages and may not reflect your individual costs. Keep in mind that spay/neuter is a one-time procedure, and annual dental cleanings may not be necessary for every pet. We’ll make personalized recommendations based on their specific needs. You can learn more about our mobile prices on our blog, where you can also download our full price list.

❤️‍🩹  Minor Acute Illnesses or Injuries

This includes unexpected, but relatively manageable, things like:

• Ear infections
• Diarrhea or vomiting
• Bee stings or allergic reactions
• Urinary tract infections
• Minor cuts or limping

While these can be stressful, most of the time they’re outpatient cases that you can handle out-of-pocket. Still, they’re often covered under accident and illness plans.

🏥  Major Accidents and Emergencies

These are the expenses that send pet parents into a panic and where insurance really earns its keep:

• Foreign body ingestion
• Fractures or trauma from accidents
• Bloat (GDV)
• Ligament tears (like CCLs)
• Emergency surgery
• Hospitalization or intensive care

These types of situations frequently cost $3,000 to $10,000+, especially if treated at an emergency or specialty hospital. And they almost never happen at a convenient time—financially or emotionally. This is exactly why accident & illness insurance coverage is so important.

♾️  Chronic Conditions

Many people assume chronic illnesses only affect senior pets. But conditions like diabetes, allergies, arthritis, and kidney disease can start at any age, even under a year old. Once diagnosed, these become lifelong expenses.

Pet insurance can provide ongoing support for chronic conditions if you have an accident and illness plan in place before symptoms start. (Pre-existing conditions are not covered.)

👉 Fun fact: About 40% of all claims filed with Embrace Pet Insurance are for chronic conditions.

👩🏻‍⚕️  Real Talk From The Field

When it comes to pet insurance, we don’t just want you to take our word for it. We want you to hear from someone who sees emergencies play out every single day.

Kristin Welch, DVM, DACVECC, is a board-certified emergency and critical care specialist who helped grow the Southeast’s first VECCS Level I Certified Emergency and Critical Care Hospital. She’s also the co-founder of a private specialty and emergency hospital in South Carolina and the founder of DVM STAT, a veterinary teleconsultation service that connects general practitioners with board-certified specialists across eight specialty disciplines—from emergency and critical care, internal medicine, neurology, cardiology, oncology, and beyond.

Here’s what Dr. Welch had to say when we asked her about pet insurance:

“The policies that cover accidents and illnesses can be lifesavers—literally. With the unexpected nature of veterinary emergencies and the need to pay for care at the time of service, pet insurance often affords pet parents the ability to pay for veterinary care knowing that they will be reimbursed for a portion of the cost of care.

There’s a lot of variety in policies—how much they reimburse, whether they pay you back or offer direct pay to the clinic, and how they handle waiting periods and pre-existing conditions. That’s why it’s so important to research your options. Sites like Pawlicy.com can be a great resource to compare policies and find what’s best for your pet family.

As a veterinary specialist working in ER and ICU, the cases I treat are often critically ill and require minute-to-minute lifesaving decisions. When a pet parent has insurance, it gives them the confidence to move forward with care—without hesitation. And that makes all the difference for the pet.”

And yes, even though Dr. Welch works in the field, she still carries pet insurance for her own pets:

“I do have pet insurance (Trupanion). It’s been a lifesaver for multiple situations with my animals.”

Types of Pet Insurance Plans

Most pet insurance plans fall into one of three categories:

1. Accident-Only Plans
2. Accident & Illness Plans
3. Pet Wellness Plans

Watch this short video from Pawlicy Advisor describing the different types of pet insurance and what they cover:

Accident Only Plans

Covers injuries caused by accidents, such as:

• Broken bones
• Cuts or bite wounds
• Swallowed objects
• Car accidents
• Toxic ingestion

✅ Least expensive
❌ Doesn’t cover illness, chronic disease, or cancer
❌ Not recommended unless illness coverage is unavailable due to pre-existing conditions

Accident & Illness Plans (Most Common)

Covers everything from accident-related injuries to medical conditions, including:

• Illnesses (ear infections, GI issues, etc.)
• Chronic disease (diabetes, arthritis)
• Hereditary/genetic conditions (hip dysplasia, heart disease)
• Cancer
• Diagnostic tests
• Surgeries & hospital stays
• Prescription medications
• Dental disease (in some plans)

✅ Broadest coverage
✅ Most recommended for full medical protection
❌ Doesn’t include preventive care unless added separately

Wellness & Preventative Plans (Add-On Only)

Covers planned, routine care, such as:

• Wellness exams
• Vaccinations
• Heartworm testing
• Flea/tick prevention
• Spay/neuter
• Routine bloodwork
• Dental cleanings

✅ Great for predictable expenses
❌ Must be added on to an existing policy
❌ May not always be cost-effective unless you use every benefit

What Does Pet Insurance Cover?

Let’s break it down. Here’s what most plans cover, what some plans may cover, and what’s usually excluded:

✅ Most Plans Cover:

• Accidents & injuries (foreign object ingestion, broken bones, bite wounds)
• Sudden or Unexpected illnesses (skin allergies, gastrointestinal issues, glaucoma)
• Chronic illness (diabetes, arthritis, heart conditions,
• Genetic/breed-specific conditions (hip dysplasia, hyperthyroidism, von Willebrand disease)
• Dental disease (gingivitis, periodontal disease, tooth resorption)
• Cancer diagnosis and treatment
• Surgery and hospital stays (bloat, cruciate ligament conditions, cataracts, and more)
• Emergency exams
• Prescription medications
• Diagnostic tests (X-rays, bloodwork, fecal exams, MRIs)

🟡 Some Plans Cover:

• Alternative therapies (acupuncture, laser, chiropractic, rehab)
• Behavioral therapy
• End-of-life care (euthanasia, cremation)
• Lost pet rewards or vacation cancellations
• Pregnancy-related care (in very few plans)

❌ No Plans Cover (Unless Specifically Added as an Optional Add-On*):

• Pre-existing conditions
• Preventive care* (vaccines, parasite prevention, spay/neuter)
• Routine dental cleanings*
• Cosmetic procedures or elective surgeries
• Pet supplies (food, toys, treats)
• Boarding, grooming, or daycare*
• Liability claims (i.e., dog bites)

📝 Pro Tip: If routine and preventive care are important to you, look for a wellness plan add-on when choosing your policy. Many major insurers offer them, just make sure to read the fine print!

Understanding Policy Terms

Insurance can be a powerful tool, but only if you understand how it works. Here’s a breakdown of the most important terms you’ll come across while comparing pet insurance policies—explained in plain English.

📚 Key Terms to Know

• Annual Limit / Annual Maximum
  The most your insurer will reimburse in a given policy year. Once you hit this limit (say, $10,000), you’re responsible for any remaining costs until the policy renews.
• Bilateral Condition
  A condition that affects both sides of the body (e.g., both knees, both eyes). Some plans won’t cover the second side if the first was pre-existing—so always check for this clause.
• Breed-Specific Condition
  Some breeds are more prone to certain health problems (like hip dysplasia in Golden Retrievers or respiratory issues in Bulldogs). Some insurers limit or exclude coverage for these conditions, so it’s important to choose a policy that doesn’t penalize your pet for their DNA.
• Copay
  The portion of the vet bill you’re responsible for after your deductible is met. For example, if your plan reimburses 80%, your copay is 20%.
• Deductible
  The amount you must pay out-of-pocket before your insurance starts reimbursing. It can be annual (you pay it once per year) or per-incident (you pay a new deductible for each condition or event).
• Explanation of Benefits (EOB)
  A detailed summary of what was covered, what wasn’t, and why. You’ll get this after each claim is processed.
• Lifetime Limit
  The total amount your insurer will pay over your pet’s entire life. We recommend choosing a plan with no lifetime limit whenever possible.
• Medical History Review
  Some companies offer a free review of your pet’s records after the waiting period ends. This helps identify what will be considered pre-existing.
• Per-Incident Limit
  A cap on how much the insurer will pay per condition. We suggest avoiding plans with per-incident limits, as one serious issue can eat up your entire benefit.
• Policy Year / Term
  The 12-month span your policy is active. Most plans renew automatically each year, which resets your deductible and annual limit.
• Pre-Certification
  An optional step where you submit a treatment estimate before your pet receives care to confirm it will be covered.
• Pre-Existing Condition
  Any illness, injury, or symptom your pet had before your policy started or during the waiting period. No pet insurance covers these.
• Premium
  The amount you pay monthly (or annually) to keep your policy active. It varies based on your pet’s breed, age, location, and the options you choose.
• Reimbursement Percentage
  The portion of your eligible vet bills your insurer will repay. Most plans let you choose between 70%, 80%, or 90%.
• Renewal
  When your policy rolls into a new year, typically with a new deductible and annual limit.
• Waiting Period
  The time between when you buy your policy and when coverage begins. Most plans have waiting periods for both accidents and illnesses (and some for orthopedic issues like ACL injuries).
• Complementary or Alternative Therapies*
  Treatments like acupuncture, laser therapy, hydrotherapy, or chiropractic care. Not all plans cover these—some require you to add a separate rider.

How Does Pet Insurance Differ From Human Health Insurance

At first glance, pet insurance and human health insurance might seem similar—they both help pay medical bills and reduce financial stress during emergencies. But when you look closer, they’re actually quite different.

Here’s how:

🧾 You Pet The Vet First, Then Get Reimbursed (Usually)

With most pet insurance plans, you pay out of pocket at the time of your visit, then submit a claim and wait to be reimbursed. This is different from human insurance, where your provider usually bills your insurance company directly.

🐾 Exception: Some companies, like Trupanion and Pets Best, offer direct payment to vets at participating clinics.

🌎 You Can Visit Any Licensed Vet

No networks here! Pet insurance works with any licensed veterinarian, including specialists and emergency clinics. You’re free to choose the best care for your pet—no referrals or restrictions.

⛔️ Pre-Existing Conditions Are Not Covered

Unlike human health insurance—which must cover pre-existing conditions by law—pet insurance does not. If your pet has already shown symptoms or been diagnosed with a condition before your coverage begins (or during the policy’s waiting period), that specific condition will be excluded from future claims. However, this doesn’t mean your pet won’t be eligible for any coverage at all. For example, if your pet had a mast cell tumor removed prior to enrollment, treatment for future mast cell tumors likely won’t be reimbursed. But if they later break a leg or swallow a foreign object, those unrelated issues would still be covered. That’s why enrolling early—before problems arise—is one of the most important steps you can take.

⚖️ Fewer Regulations

Pet insurance is regulated differently and less stringently than human health insurance. That means policies can vary widely in what they cover, how they process claims, and what restrictions they include.

📌 That’s why comparison tools like Pawlicy Advisor are so helpful. They make it easier to compare apples to apples.

🏥 More Plan Variety

Human plans tend to follow familiar categories (HMO, PPO, etc.), but pet insurance offers a wider range:

• Accident-only plans
• Accident & illness plans
• Wellness add-ons
• Hybrid policies that let you choose your deductible, reimbursement, and coverage level

💳 No Copays. Just deductibles & Reimbursement

Pet insurance doesn’t usually use copays like human plans do. Instead, you meet a deductible, and then receive reimbursement at a chosen percentage (usually 70–90%).

Example:
If your deductible is $250 and your reimbursement rate is 80%, you’d pay the first $250 in vet bills. After that, you’d get 80% back on all covered services.

🤔 Final Thought

Think of pet insurance like car insurance. You don’t use it for oil changes or tire rotations (that’s your wellness care), but it’s there for the big, unexpected stuff. The peace of mind is priceless when your pet needs care fast.

Key Factors to Consider When Shopping for Pet Insurance

Choosing the right pet insurance isn’t just about comparing deductibles and premiums. It’s about understanding your pet’s unique risks, your financial comfort level, and your expectations for care. Here’s what to consider as you narrow down your options:

🐾 Your Pet

• Age: Insurance tends to be more affordable (and cover more) when your pet is young. Older pets may face higher premiums and limited coverage due to pre-existing conditions.
• Breed: Certain breeds are predisposed to chronic or hereditary conditions — and some insurers may limit or exclude coverage for them.
• Lifestyle: A laid-back lap cat and a zoomie-prone trail dog are likely to face very different medical risks.

💰 Your Budget

It helps to start with two key questions:

1. How much would I be willing to spend to save my pet’s life if they had a good chance of survival and a good quality of life afterward?
2. How much could I realistically afford to spend in that situation, from savings, credit, or income?

If your willingness to spend outweighs your ability, pet insurance can help bridge that gap.

📄 Policy Details That Impact Cost & Coverage

It can be tempting to opt for the cheapest plan, but lower monthly premiums usually mean lower reimbursement rates or less comprehensive coverage. Look for a plan that offers a balance of affordability and meaningful protection. We recommend you balance cost and coverage. Most insurers allow you to customize your plan by choosing the following:

• Annual Deductible: The amount you’ll pay out-of-pocket before insurance kicks in. A lower deductible means you reach reimbursement eligibility faster, but it raises your monthly premium. If you prefer lower premiums and are able to cover more out of pocket, choose a higher deductible.
  • Note: Some plans use a per-condition deductible (once per issue, for life), while others use an annual deductible (resets each year).
• Reimbursement Rate: The percentage of covered costs you’ll get back after meeting your deductible. Most plans offer options like 70%, 80%, or 90%.
• Annual Limit: The maximum amount your provider will reimburse you each plan year. Many companies offer unlimited coverage, but some cap reimbursements at $5,000 to $10,000/year. We recommend you choose the highest you can afford. This is what you’ll have available each year in reimbursements.
• Monthly Premium – The amount you pay each month to keep your coverage active. A lower premium often means less coverage or higher out-of-pocket costs when your pet needs care.

The right balance for your family depends on your risk tolerance and what you’d need help covering in an emergency. If you’re okay with paying more up front during an emergency to keep monthly costs low, you might choose a high deductible and low premium. If surprise bills would be a big burden, it might be worth investing in a plan with higher monthly payments and more robust coverage.

🎯 Your Priorities

Everyone’s different and so are their pets. Think about what’s most important to you:

• Do you want to be reimbursed for exam fees, alternative therapies, or prescription food?
• Do you want the insurer to pay the vet directly so you’re not stuck with a huge bill up front?
• Do you want wellness care and routine visits included?

Understanding what matters to you (and your pet) helps ensure the plan you choose actually protects what you care about.

What Should Be Covered In a Pet Insurance Policy?

Here are some specific areas you should make sure are covered or available as optional add-ons:

🧾 Exam Fees

Some companies include exam fees automatically, while others make you add them as optional coverage—or skip them entirely. But here’s the thing: exam fees are part of every vet visit. If your plan doesn’t cover them, it’s like paying an extra copay each time.

This adds up quickly if:

• Your pet needs rechecks
• You visit an emergency or specialty hospital
• You’re someone who takes your pet to the vet at the first sign something’s wrong (and we love you for it)

🧘‍♀️ Alternative & Rehabilitative Therapies

Therapies like laser, hydrotherapy, and acupuncture are being prescribed more frequently—especially for pets recovering from orthopedic injuries or surgeries.

Many companies now offer coverage for these treatments, but often as an optional add-on. Be sure to check:

• What treatments are included?
• Are there visit limits or annual caps?

🍽️ Prescription Foods

Therapeutic diets can make a huge difference in managing chronic conditions like:

• Arthritis
• Allergies
• Diabetes
• Urinary or kidney disorders

But these diets often cost 2x or more than regular food. Even partial reimbursement—say, 50%—can make them more accessible. Look for:

• Whether prescription foods are covered at all
• Any limits or exclusions on certain conditions or brands

🦷 Dental Illness

Most policies don’t cover routine dental cleanings. But they should cover:

• Dental injuries (like fractured teeth)
• Dental diseases (like periodontal disease, oral tumors, gingivitis, stomatitis, and tooth resorption)

Bonus tip: Ask if your policy covers root canals or crowns for vital teeth like canines and upper premolars (the big chewing teeth, also known as carnassials).

🧬 Congenital & Hereditary Conditions

These are health issues your pet is born with or genetically predisposed to. Most insurers now include this coverage, but be sure to ask:

• Are there age limits for eligibility?
• Are waiting periods longer for these conditions?
• Are there payout caps?

🧠 Behavioral Issues

Behavior problems like separation anxiety, phobias, compulsive behaviors, or litter box issues are one of the top reasons pets are surrendered or euthanized.

These conditions are often treatable with the right support, but may require:

• Multiple vet visits
• Long-term behavioral therapy
• Referral to a specialist

Check whether behavioral treatment is covered, and whether there are restrictions on diagnosis, treatment types, or covered providers.

💊 Supplements

Certain supplements (e.g., for joints, liver support, anxiety, or immune health) have strong evidence behind them and may be prescribed by your vet.

They’re often more expensive than OTC versions and may be needed long-term. Ask your provider:

• Are vet-prescribed supplements covered?
• Are there restrictions on which ones or how long they’re covered?

Pet Insurance Buying Tips

💡 Smart Ways To Save

• Start young: Enrolling your pet early means lower premiums and fewer excluded conditions.

• Adjust your deductible: A higher deductible lowers your monthly cost—just make sure you could afford it if needed.

• Skip wellness if you budget well: If you already set aside funds for routine care (like vaccines or heartworm prevention), you may not need a wellness add-on.

• Compare providers: Use tools like Pawlicy Advisor to compare plans side by side and find the best match based on your pet’s breed, age, and needs.

🛒 Shop Around and Compare Quotes

Every pet is different and your plan should reflect that. A good comparison tool makes it easy to evaluate options across top providers and customize a plan that fits your budget and risk tolerance.

How to Compare Pet Insurance Plans:

1. Assess your pet’s risk profile (age, breed, lifestyle)

2. Set your budget and decide what you’re comfortable paying monthly

3. Request multiple quotes and review coverage details

4. Read the fine print for exclusions and limitations

5. Customize your plan by adjusting the deductible, reimbursement %, and annual coverage limit

6. Choose the best plan you can afford—up front

With tools like Pawlicy Advisor, you can:

• Compare monthly costs, deductibles, coverage limits, and reimbursement rates

• Sort policies by “Best Match,” “Best Lifetime Value,” “Lowest Cost,” or “Best Coverage”

• Instantly view side-by-side breakdowns tailored to your pet’s breed, age, and location

• Note: WoofDoctor on Wheels recommends ASPCA, Embrace, Pets Best, and Trupanion. But, Trupanion is not part of the Pawlicy Advisor network. If you’d like to compare Trupanion, we recommend getting a free quote from them separately.

You can also get quotes directly from top insurers:

• ASPCA Pet Health Insurance – Get a Free Quote

• Embrace – Get a Free Quote

• Trupanion – Get a Free Quote

• Pets Best – Get a Free Quote

You can also find sample policies from each provider, based on your current state of residence:

• ASPCA Sample Policies
• Pets Best Sample Policies
• Trupanion Sample Policies
• Embrace Sample Policies

🔍 For more insights, browse customer reviews on sites like Trustpilot.

🧐 Plan Ahead: Start With The Best Coverage You Can Afford

Premiums increase over time due to inflation and your pet aging. It’s smart to lock in a strong plan early on. You can always downgrade later (increase your deductible/copay or remove add-ons), but if you want to upgrade later, your pet may be re-underwritten and anything diagnosed or treated in the past may now be considered pre-existing and not covered.

❓ Additional Questions to Ask Pet Insurance Providers

• What are the waiting periods?
  Accident coverage usually starts in a few days, while illness coverage may take 14–30 days. Some companies waive the wait if you enroll the day of a vet visit.
• Can the insurance company pay my vet directly?
  Especially helpful for large bills if your vet allows it. This avoids waiting on reimbursement. Currently, only Trupanion and Pets Best offer direct vet payments.
• Do they offer pre-approval?
  Only Trupanion does real-time pre-approvals 24/7. Others may take days.
• Do they review your pet’s medical history after the waiting period?
  Ideally, they should notify you of pre-existing condition exclusions early. Otherwise, you might pay premiums for years only to have a claim denied later.
• Can they cancel or change your coverage based on usage?
  Most won’t unless for non-payment or fraud, but some may retire policy versions and re-enroll you in newer ones. Ask if previously covered conditions will still be covered under the new policy.

How Are Refunds Calculated?

When it comes to getting reimbursed for your pet’s veterinary care, not all pet insurance companies calculate refunds the same way. There are three primary reimbursement methods, and understanding how they work can help you compare plans effectively—and avoid surprises when you submit a claim.

1. Benefit Schedule Reimbursement
2. Deductible First
3. Copay Then Deductible

Benefit Schedule Reimbursement

Some companies (like Nationwide’s Major Medical plan) use a benefit schedule, which means they’ll reimburse a fixed amount for each condition or procedure, regardless of your actual vet bill.

Example:

Your dog is diagnosed with Acquired Cardiomyopathy and your vet charges $2,000.
But your insurance provider’s benefit schedule only allows $835 for that diagnosis.
You’re responsible for the difference: $1,165, plus your deductible and your share of the remaining cost.

⚠️ In high-cost areas, this can leave you paying thousands out of pocket, even if you’re insured.

Deductible First

This is the most favorable and transparent reimbursement model.

Here’s how it works:

1. Your annual deductible is subtracted from the total vet bill.

2. Your reimbursement percentage is applied to the remaining amount.

Example:

• Total vet bill: $1,200

• Deductible: $200

• Reimbursement rate: 80%

Calculation:
$1,200 – $200 = $1,000
80% of $1,000 = $800 reimbursed

✅ This method maximizes your payout. All of our favorite providers use this model (ASPCA, Embrace, Trupanion, Pets Best).

Reimbursement First

In this model:

1. Your reimbursement percentage is applied to the entire vet bill first.

2. Then your deductible is subtracted from the result.

Same example:

• Total vet bill: $1,200

• Reimbursement rate: 80% → $960

• Minus deductible: $960 – $200 = $760 reimbursed

❗That’s $40 less than the previous method.
Now imagine the difference on a $10,000 bill—that’s a $400+ gap.

Real-Life Experiences and Recommendations from WoofDoctor on Wheels

Cheryl’s Experience: “Bruce lived 5-6 years longer thanks to insurance”

“I had Trupanion, and that was a life saver. I can honestly say that Bruce lived 5-6 years longer than if we didn’t have that insurance. I also really appreciate that Trupanion pays the vets directly (if the vet’s office accepts payments from them). It’s probably the most expensive insurance premium wise, but the direct payments at 99% of ERs and Specialty Centers was worth the cost in my opinion.

My biggest recommendation to pet owners is to think of their pet as if it is GOING to have health issues – because they will. Plan for your pet to be the “problem child” when it comes to their health. Also, ask as many questions as possible and talk to an actual person at the insurance company about the policy before accepting. Make sure the policy fits your financial requirements and abilities. Read the policy in full so you understand what is and isn’t covered. The biggest mistake people make with pet insurance is to think it works like human health insurance.”

Cheryl’s Key Takeaways:

• Trupanion pays vets directly, which removes the financial stress at checkout.
• It doesn’t cover wellness or prevention, and dental issues may be denied without proof of regular cleanings.
• Claims used to be clunky but improved drastically—now reimbursements are fast with app photo uploads and direct deposit.
• “Plan for your pet to be the ‘problem child’. Ask questions, read the policy, and talk to someone before buying. Pet insurance is not like human insurance.”

Dr. Doug’s Picks & Pro Tips

Dr. Doug recommends three top companies based on policy quality and claim reliability:
Embrace, Trupanion, and ASPCA.
He also suggests browsing options with Pawlicy Advisor for side-by-side comparisons.

“The earlier you get insurance, the better. Fewer pre-existing conditions = more usable coverage. Emergency and specialty care now starts around $1,000 just to walk in, and $1,000/day to hospitalize. It only takes one big incident to make pet insurance worthwhile.”

👨‍⚕️ Note: Dr. Doug doesn’t carry pet insurance himself, but only because he is the emergency vet. “Some plans used to limit vets treating their own pets—Trupanion doesn’t anymore.”

A Note from Our Creative Director

As a lifelong dog mom, I’ve seen firsthand the peace of mind that pet insurance can provide. I use Pets Best Insurance for my own dogs, and what I love most is the flexibility of their plans. You can truly tailor a policy that fits your pet’s needs and your budget.

They offer:

• Annual Policy Limits of $2,000, $5,000, $10,000, or No Annual Limit
• Reimbursement Options (Co-Insurance) of 50%, 60%, 70%, 80%, or 90%
• Annual Deductibles ranging from $50 to $2,000 in $50 increments

What really impressed me, though, was the ability to customize my coverage with optional add-ons. Things like:

• Vet visit and exam fee reimbursement
• Prescription and over-the-counter medications
• Acupuncture, chiropractic care, laser therapy, and therapeutic exercise
• Wellness plans that help with the cost of vaccines, heartworm preventatives, and even dental cleanings (downside for WoofDoctor Clients: they reimburse for annual exams but don’t cover the travel fee).

The claims process is simple. I just upload a photo of the vet invoice and payment receipt through their app, and the reimbursement shows up in my account pretty quickly. Even better: if the vet accepts it, Pets Best can pay them directly, which is a lifesaver when you’re facing a big bill.

But what really sold me on Pets Best was what they did for my senior Cockapoo, who—within the span of three years—developed three different types of cancer: prostate, small intestine, and lymphoma. Pets Best covered 90% of his care at every stage: medications, chemo, radiation, acupuncture, hydrotherapy, surgeries, hospitalizations, and follow-up care. It gave us three full years together we wouldn’t have had otherwise. I’m still grateful every single day.

I’ve also had two dogs develop idiopathic epilepsy—one before I had pet insurance, and one after. For the uninsured dog, we had to pay out of pocket for frequent emergency visits, diagnostics, and lifelong medication, which added up fast. But for the dog with insurance, Pets Best covered the monthly seizure meds and nearly all of the ER visits that came with managing the condition. It was a major relief to know I didn’t have to make decisions based solely on cost.

💡 What I learned: epilepsy, like many chronic conditions, will be considered pre-existing if diagnosed before enrolling in a policy. That means it won’t be covered later. The only way to ensure you’re protected is to insure your pet early, before anything pops up.

Now, I have it for my senior Great Dane, and it’s already helping with laser therapy, emergency visits, and the inevitable surprises that come with older dogs. I can’t recommend pet insurance enough and Pets Best has absolutely earned my trust.

Official Recommendations from WoofDoctor on Wheels

WoofDoctor on Wheels recommends pet insurance because it provides financial support for unforeseen medical expenses, ensuring your pet can receive the best care without cost being a primary concern. It offers peace of mind knowing that you are prepared for both routine wellness and emergency situations. Investing in pet insurance can lead to a healthier, happier life for your furry family members.

We created a chart to compare coverage of our top 4 providers, which you can download here:

• WDOW Pet Insurance Comparison (Excel)
• WDOW Pet Insurance Comparison (pdf)

The 4 that we recommend are:

ASPCA Pet Insurance
ASPCA Pet Insurance offers a variety of pet insurance plans to help pet owners manage veterinary expenses. Coverage options can include accidents, illnesses, hereditary conditions, behavioral issues, and preventive care, depending on the chosen plan.
Key features typically include:

• Customizable Plans: Choose from different levels of coverage, deductibles, and reimbursement percentages.
• Multiple Pet Discount: Discounts are often available for insuring multiple pets.
• Preventive Care Options: Wellness coverage can be added to some plans, covering routine care like vaccines and annual exams.
• Continuing Coverage for Chronic Conditions: Long-term illnesses that need ongoing treatment may be covered.
• Simple Claims Process: File claims online, via mail, or fax, with some offering direct deposit for reimbursements.

Links For More Information:

• Read Pawlicy Advisor’s Review of ASPCA Pet Insurance here.
• Read Pet Insurance Review (site created by Pet Parents, for Pet Parents) here.
• Get a Free Quote here.
• View a sample policy here.
• Read TrustPilot reviews here.

Trupanion Pet Insurance 
Trupanion Pet Insurance is designed to provide substantial medical coverage for pets, aiming to ease the financial strain of veterinary care for pet owners. Here are some of their features and policies:

• Deductible: Trupanion offers a unique lifetime per-condition deductible, which means you pay a deductible only once for each new diagnosis.
• Reimbursement: They reimburse at 90% of eligible veterinary costs after the deductible has been met, with no caps on payout amounts.
• Direct Veterinary Payment: Trupanion can pay veterinarians directly within their network in minutes at the time of checkout, so you don’t have to wait for reimbursement.
• Coverage: The insurance plan covers a range of needs including diagnostics, surgeries, hospital stays, medications, and hereditary conditions, as well as congenital and chronic conditions.
• No Payout Limits: There are no payout limits with Trupanion – no maximum per claim, annually, or during the lifetime of your pet.
• Pet Owner Assistance Package: Optional add-ons like the Pet Owner Assistance Package cover third-party property damage, boarding fees in case you’re hospitalized, and more.
• Waiting Periods: Like many insurers, Trupanion has waiting periods before coverage starts: 5 days for injuries and 30 days for illnesses.
• Not Included: The policy does not cover routine care such as vaccinations or preventive measures like flea control unless additional riders are purchased.

Links for More Information:

• Read Pawlicy Advisor’s review of Trupanion here.
  • However, please note that Trupanion is not part of the Pawlicy Advisor platform. We recommend you obtain a free quote from their website and compare that to any plan comparisons you obtain from Pawlicy Advisor.
• Read Pet Insurance Review (site created by Pet Parents, for Pet Parents) here.
• Get a Free Quote here.
• View Sample Policy here.
• Read TrustPilot reviews here.

Embrace Pet Insurance 
Embrace Pet Insurance provides comprehensive health insurance for pets with a variety of coverage options that can be tailored to the unique needs of each pet owner. Below are some detailed features:

• Customizable Plans: Choose from different levels of deductibles, reimbursement percentages, and annual maximums.
• Wellness Rewards: Offers an optional non-insurance, budgeting program that reimburses for routine and preventive care, such as vaccinations, grooming, and training.
• Diminishing Deductible: For each year you don’t receive a claim reimbursement, Embrace reduces your pet’s annual deductible.
• Coverage: Includes accidents and illnesses, breed-specific and genetic conditions, cancer treatment, dental trauma, alternative therapies, and behavioral therapies. Pre-existing conditions are typically not covered.
• Short Waiting Periods: Embrace has some of the shortest waiting periods in the industry: 48 hours for accidents, 14 days for illnesses, and 6 months for orthopedic conditions (which can be reduced to 14 days with a veterinary exam).
• Healthy Pet Deductible: Embrace is known for this feature, where your pet’s annual deductible decreases each year you don’t receive an accident or illness claim reimbursement.

Links for More Information:

• Read Pawlicy Advisor’s review of Embrace here.
• Read Pet Insurance Review (site created by Pet Parents, for Pet Parents) here.
• Get a free quote here.
• View Sample Policy here.
• Read TrustPilot reviews here.

Pets Best Insurance

Pets Best Pet Insurance offers flexible and affordable coverage options designed to help pet owners manage unexpected veterinary expenses. They provide accident-and-illness plans, accident-only plans, and optional wellness add-ons to cover routine preventive care.

Key features include:

• Customizable Plans: Choose your deductible, annual coverage limits, and reimbursement rate (70%, 80%, or 90%) to match your budget and needs.

• Direct-to-Vet Payment Option: Pets Best can pay your veterinarian directly at checkout (when available), so you don’t have to wait for reimbursement.

• Comprehensive Coverage: Plans cover accidents, illnesses, hereditary and congenital conditions, cancer treatment, diagnostic tests, surgeries, and prescription medications.

• Wellness Coverage: Optional add-ons reimburse for routine care such as vaccines, annual exams, spay/neuter, and dental cleanings.

• Multiple Pet Discounts: Discounts are available when you insure more than one pet.

• Easy Claims Process: Claims can be submitted online or through the mobile app, and most reimbursements are processed within a few days.

Links for More Information:

• You can also read Pawlicy Advisor’s review of Pets Best here.
• Read Pet Insurance Review (site created by Pet Parents, for Pet Parents) here.
• Get a free quote here.
• View a Sample Policy here.
• Read TrustPilot reviews here.

We feel it is important for pet owners to carefully review the policy details, including exclusions, limits, and waiting periods, to fully understand the coverage provided by each pet insurance. Additionally, pet owners should consider their pet’s age, breed, and existing health conditions when selecting insurance to ensure the best fit for their needs.

Alternatives to Pet Insurance

Not every pet parent opts for pet insurance—and we understand that! But if you’re planning to go without, it’s important to think ahead about how you’ll handle unexpected veterinary costs.

Here are some common alternatives to pet insurance, along with a few things to consider for each:

🩺 WoofDoctor on Wheels Care Plans

Another option to help manage veterinary costs is enrolling in a care plan through your primary veterinarian. At WoofDoctor on Wheels, we offer Care Plans that allow families to spread the cost of veterinary care into predictable monthly payments.

Each Care Plan includes core services that ensure you always have reliable access to care when your pet needs it. Every plan includes:

• Covered veterinary visits and travel fees, with plan-based coverage starting with at least one included visit and travel
• In-home veterinary technician visits, including exam and travel fees
• Virtual veterinary support through technician phone consultations coordinated with Dr. Cifranick
• Thermal imaging, a non-invasive screening tool used to help identify areas of inflammation or discomfort

Higher-tier Care Plans also include additional benefits such as:

• Instant account credit that can be used toward any service, product, treatment, medication, diagnostic, or therapy provided by WoofDoctor on Wheels
• Automatic bonus discounts on additional services and products once the account credit is used
• Savings on commonly prescribed medications

Designed for Both Expected and Unexpected Care

WoofDoctor on Wheels Care Plans are intentionally flexible and designed to reflect how veterinary care actually works in real life. Many traditional wellness plans only apply to routine services. Our Care Plans can be used toward any service provided by WoofDoctor on Wheels.

This includes care such as:

• Exams
• Diagnostics and laboratory testing
• Medications
• Dental cleanings
• Surgeries and procedures
• Preventative care
• Imaging and screening tools
• Spay and neuter procedures
• Chronic condition management
• Therapeutic treatments

If we offer the service, your Care Plan can be applied to it.

This flexibility allows Care Plans to support both the routine care you expect each year and the unexpected, non-emergency issues that often arise between visits.

How Care Plans Are Different From Pet Insurance

While both options help pet owners manage veterinary costs, they work in different ways. Care Plans provide predictable monthly budgeting and apply directly to care provided through WoofDoctor on Wheels. They bundle routine care while also providing flexibility to apply benefits toward many other services your pet may need.

Pet insurance is designed to help cover major unexpected events such as serious illness, injury, hospitalization, or specialty care. Insurance typically requires submitting claims for reimbursement and may involve deductibles and waiting periods.

Many families choose to use both approaches. Care Plans help manage routine care and everyday veterinary needs, while insurance can help protect against large, unexpected medical expenses.

What Care Plans Do Not Cover

Care Plans apply only to services provided by WoofDoctor on Wheels. They do not cover services performed by other veterinary clinics, emergency hospitals, urgent care facilities, or specialty hospitals.

For example, if your pet requires emergency surgery at an emergency hospital, that treatment would not be covered by a WoofDoctor on Wheels Care Plan because it is performed outside of our practice.

Care Plans are not designed to replace pet insurance. Instead, they help make your pet’s routine veterinary care more affordable while also providing flexibility for sick visits or injury evaluations that can be handled through WoofDoctor on Wheels.

For the most complete protection, many pet families choose to combine a Care Plan with pet insurance. The Care Plan helps manage predictable and everyday veterinary care, while insurance provides protection against major emergencies and specialty care.

If you would like help choosing the right option for your pet, you can review our guide on how to choose the right Care Plan, which explains what each plan includes and shows the line-by-line cost savings available.

🐾 Build a Pet Emergency Fund

You could set aside money each month to cover future medical expenses. In theory, this sounds smart. But it only works if:

• You start early
• Your pet stays healthy long enough for your savings to grow
• You only have one emergency at a time
  A single surgery or hospitalization can easily exceed $5,000–$10,000. And if you have more than one pet? Things can spiral quickly.

🤝 Borrow from friends or family

Some pet parents turn to loved ones when an emergency arises. This may help in a pinch, but relying on others isn’t always possible and can strain relationships if repayment becomes an issue.

💻 Start a Crowdfunding campaign

Platforms like GoFundMe or Waggle can help raise money for unexpected medical bills. While this has worked for some, it’s not a guarantee and it can take time to generate the amount needed (especially if your pet needs care urgently).

🙌 apply for charitable grants

Some nonprofit organizations offer financial assistance for veterinary care, especially for seniors, low-income households, or specific conditions. These include groups like RedRover Relief, Brown Dog Foundation, or The Pet Fund. Keep in mind, approval can take time, and not all medical conditions qualify. Pawlicy Advisor also has a list of organizations which provide funds for vet bills here.

💳 Use Veterinary Financing (e.g., CareCredit)

Many emergency and specialty veterinary clinics accept CareCredit, a credit card specifically for medical and veterinary expenses. If approved, you can split the cost into monthly payments, sometimes with deferred interest.
🛑 Note: WoofDoctor on Wheels does not accept CareCredit, but many urgent care and ER clinics do. Be sure to check ahead of time.

💖 Apply for support from the woofDoctor Angel fund

At WoofDoctor on Wheels, we have an Angel Fund. This is a small, donor-supported fund used to help cover urgent veterinary needs for pets under our care when their families are facing financial hardship. While it’s not a replacement for insurance or savings, this fund helps ensure that no pet suffers due to temporary financial struggles.
We prioritize these funds for urgent medical needs and work on a case-by-case basis, based on available donations.

FAQ

Can I see any veterinarian?

Yes, most pet insurance plans allow you to visit any licensed veterinarian—including specialists and emergency clinics. That means you can stay with your current vet and still be covered. Some plans even cover visits to veterinary specialists like cardiologists, dermatologists, or allergists—often without needing a referral.

 

How do I get reimbursed?

In most cases, you’ll pay the vet up front, then submit a claim with your invoice or receipt to your insurance provider. Many insurers now offer mobile apps, making it easy to file a claim right from the vet’s office. Some providers, like Trupanion and Pets Best, even offer direct payment to the vet, which means you might never have to wait for reimbursement.

 

Is it really worth it to get pet insurance?

Yes—especially if you want peace of mind. While it may feel optional when your pet is young and healthy, the truth is, nearly 1 in 2 pets will experience a serious illness or emergency during their lifetime. Pet insurance helps ensure you never have to choose between your budget and your pet’s care.

 

What is a good annual limit for pet insurance?

It depends on your pet’s age, health, and lifestyle. Plans typically range from $2,000 to unlimited annual coverage. For puppies, senior pets, or breeds prone to illness, we recommend selecting at least $10,000 in annual coverage if you can afford it. The ideal is no annual limit.

 

Does any pet insurance cover routine visits?

Not by default, but many companies offer optional wellness plans that cover routine care like annual exams, vaccines, and flea/tick preventatives. These can be especially useful if you like predictable costs and regular checkups.

 

Can I sign up for pet insurance anytime?

Yes, but there are age minimums. Typically your pet must be at least 6–8 weeks old. Some insurers may also have upper age limits for new enrollments, especially for illness plans, but others (like Embrace, Trupanion, and Pets Best) do not. Signing up early reduces the risk of having conditions classified as pre-existing.

 

What are waiting periods?

Every pet insurance policy includes a waiting period, usually 2–5 days for accidents and 14–30 days for illnesses, after you enroll before coverage kicks in. Anything that happens during this window is considered pre-existing and won’t be covered.

 

How does cost vary by state?

Premiums vary depending on local veterinary costs, regulations, and provider pricing. Urban areas tend to be more expensive than rural ones.

 

How does pet insurance pricing differ by breed?

Some breeds have higher premiums due to increased risk of inherited health issues. For example:

• Dogs: Bulldogs, Boxers, and Bernese Mountain Dogs often cost more to insure.
• Cats: Maine Coons and Persians may have higher premiums due to risk of heart and kidney disease.

 

Are pre-existing conditions ever covered?

Generally, no—pre-existing conditions are not covered by any pet insurance provider. That’s why it’s so important to enroll early, before any diagnoses occur. Some providers (like Embrace) may reconsider certain conditions as curable if your pet has been symptom-free for a specific period (often 12 months).

 

What happens if I need to switch plans or cancel?

You can cancel your plan at any time, but be aware: if you re-enroll later, conditions diagnosed under the previous plan may now be considered pre-existing. If you switch providers, you may lose coverage on anything that’s already been treated or noted in your pet’s medical history.

Where Can I Learn More?

Still Have Questions? We’re Here to help

Whether you’re exploring pet insurance for the first time or trying to make sense of the fine print, our team at WoofDoctor on Wheels is happy to help. We’re not affiliated with any one provider, but we’ve seen firsthand how insurance can change lives for both pets and their people.

Got a specific question about your pet’s health history, breed risks, or budget? Just ask. We’ll point you in the right direction.

Need to schedule an appointment?

If you would like to schedule an appointment, please call or text us at (843) 966-3362. If you’re a current client, you can schedule an appointment online here.

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