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Texas Department of Insurance
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5 questions to ask when buying pet insurance


Pet insurance can help cover the cost of expensive vet bills if your dog, cat, or other pet is injured or gets sick. Here’s what to ask when looking at plans.

  1. How does it work?

    With most plans, you’ll pay the vet and then file a claim to get paid back the part of the costs covered by your pet insurance plan. Plans usually cover 70-90 percent of the bill for covered services. Pre-existing conditions are rarely covered so the time to buy a plan is before your pet gets sick or hurt.

  2. What does it cover?

    A basic plan may cover only injuries due to an accident. Other plans will cover illnesses, and some even cover burial or cremation expenses. Plans that cover more also cost more so think about what you can pay for out of pocket vs. costs you would need insurance to cover.

  3. What about my breed?

    Some plans limit coverage for medical conditions that may be hereditary for a breed of dog or cat. Other plans may charge more for some breeds or not sell plans for them. These limits vary by company so check around if a company charges more to cover your pet’s breed.

  4. Can I use any vet?

    Most policies allow you to use any vet. If you have a trusted vet, it’s a good idea to ask about their experience with pet insurance and which policy might be best for you and your pet.

  5. What does it cost?

    Pet insurance prices vary depending on the type of pet and the level of coverage so shop around. Plans can range from less than $10 a month to as much as $100 a month.


Questions? Call us at 800-252-3439.

Last updated: 6/23/2022