What Pet Insurance Covers

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Pets are part of our family, and we want to take care of them as we would ourselves. Pet insurance has grown in popularity in recent years as the costs of pet medications and treatments increase. Insurance policies for pets work much like health insurance for people. You can find comprehensive policies or partial policies to cover the services you need for your pets and save money on vet bills.

It is essential to pay attention to the fine print on your pet insurance policy, though. Not all pet insurance policies are the same. Keep reading to learn what pet insurance covers and how to get started with a policy today.


You can find pet insurance policies for accidents only or accidents along with other issues. Accidents typically include physical accidents like cuts or fractures, surgery, poisoning, and foreign-body ingestion. Routine vet care generally is not included.


Pet insurance coverage for illnesses can include cancer, asthma, and allergies, as well as hospitalizations, treatments, surgeries, and medications. Pet insurance does not usually cover pre-existing conditions. Illness and accident pet insurance can also cover alternative therapies like acupuncture, chiropractic care, and hydrotherapy.

Hereditary and Chronic Conditions

Sometimes pets inherit conditions or have congenital disabilities which may not cause symptoms for years. Pet insurance often covers heart disease, eye disorders, hip dysplasia, and other hereditary conditions. Some chronic conditions, like cancer or diabetes, may also be covered by pet insurance.

Behavior Problems

If your pet has behavioral issues like licking, pacing, or excessive chewing, treatments coverage for these behaviors is often available. Often excessive licking or fur pulling can be dangerous for your pet’s health, and chewing can be destructive for your home. Diagnosing and treating these issues may be covered by pet insurance.


Microchip implantation is essential for ensuring your pet’s safety. If your pet gets lost, a microchip can help you find them quickly. Some pet insurance policies cover microchip implantation.


Like humans, pets get sick or hurt from time to time. If your vet prescribes medications, the cost can quickly add up. Some prescription medication coverage is available through pet insurance for short-term and chronic conditions.

Food and Supplements

Your vet may prescribe special food or supplements for your pet if they have specific health problems. Prescription food and supplements for pets can be expensive, especially if your pets require these accommodations for long periods. Pet insurance can help reduce the ongoing costs of prescription food and supplements.

What is not covered by pet insurance?

Pet insurance doesn’t cover everything. While pet insurance can go a long way towards reducing the cost of caring for your pet, there will still be some out-of-pocket expenses.

  • Cosmetic procedures like ear cropping or claw removal
  • Pre-existing conditions before insurance coverage or during the waiting period
  • Costs associated with breeding your dog or pregnancy

Preventative care is often not included in a pet insurance policy, but it may be available as an add-on. Vaccinations, flea and tick prevention medication, heartworm medication, and routine screenings often fall under preventative care.

How to Purchase Pet Insurance

Are you interested in affordable pet insurance? bolt agency offers pet insurance policies to help you take care of your beloved pet. Start your pet insurance quote today!