Pet Insurance FAQ’s

Frequently Asked Questions

Is Petted an insurance provider?

No, Petted is not an insurer. We’re a family of pet owners like you that have put together this website so you can impartially compare the coverage and prices from the leading insurance providers in the market. As we’re completely independent we don’t favor one provider over another. We’ll help you find the best deal and be confident in what you’re getting for your money.


In addition, we provide a range of pet wellness plans for you to select from. You can either add one of our wellness plans onto an accident and illness plan or if you prefer you can buy a wellness plan on it’s own. Because we don’t have lots of corporate mouths to feed, our wellness plans are generally less expensive than other providers and represent great value-for-money.

What does pet insurance cover?

Pet insurance covers your pet against future accidents, such as poisoning, bite wounds, sprains, ACL ruptures or if your pet gets into a vehicle accident.


It also covers regular illnesses such as ear infections, vomiting and diarrhea, or more serious illnesses such as cancer, heart disease or diabetes. Additionally, it covers chronic illnesses such as allergies, arthritis and skin conditions, hereditary conditions such as hip dysplasia and epilepsy and congenital conditions such as an eye or limb defect.


When your pet needs to visit the vet for an accident or illness, any required imaging such as X-rays, MRI’s and CT scans, other testing or diagnostics such as ultrasounds and blood tests are covered.  Should your pet need surgery for their condition this is fully covered also, from the anesthetic to the surgery itself, vet prescribed drugs and follow up consultations with the vet.


If you’re just looking for a routine wellness plan to cover your pet’s expected routine care such as their annual shots, flea, tick and heartworm meds, physical exams or spay and neuter costs then you can select this from our results page when you get a quote for your pet. 

Is pet insurance worth it?

In summary, having a pet insurance plan let’s you make decisions about your pet’s long-term health without worrying about the cost.


The average pet insurance plan costs around $40 per month and for this, you can be confident that if your pet has an accident or has an illness in future, the insurance plan will pay the vast majority of the cost.


The worst conversations we have on a daily basis are from pet parents that have just found out their pet has cancer, which can easily cost over $10,000 to treat, and they have no coverage in place. Instead of being able to make the best choice for their pet, they usually have to make the least expensive choice.


If you’re in the position that you wouldn’t be able to afford treatment if something happened to your pet that’s going to lead to a large vet bill, it’s vital to consider investing in a pet insurance plan, because none of us can predict when an accident or illness will occur.

How does pet insurance work?

Unlike human health insurance, most pet insurance plans reimburse you for the cost of veterinary care. However, recently this has been changing to a scenario where more and more vets will accept payment directly from the insurance company. It’s worth asking your vet if they will take payment from the insurer because if so you’ll only need to pay for any deductible and co-pay you chose. If your vet won’t accept payment from the insurer then it’s usually just a few days until the insurer will reimburse you.


Tip: If you can’t afford to pay the vet bill you should ask them about Scratchpay or Care Credit, as they will both lend you the money until the insurance payment comes through.

Pet insurance vs a savings account?

We often hear from people that say they are going to set up a savings account rather than invest in a pet insurance plan.


Let’s say you do this and after 6 months of saving $50 per month, you have $300 tucked away.


You then notice your pet has a limp and you take him to the vet after a few days. Your vet carries out the initial exam, which costs about $80, and then suggests an MRI scan, usual cost $900 or so. It shows up your pet has a knee issue and needs surgery, at a cost of $7,200.


The message here is that sometimes life is unfair and although you’ve been diligent with your saving, the cost just runs away and you’re then faced with taking out a loan that you’ll take years to pay back, or worse, you don’t qualify for a loan and end up putting your pet to sleep.


Please do consider what you’d be able to do in this scenario, because there is no knowing when your pet will need specialist care.

Are pre-existing conditions covered?

A pre-existing condition is any illness or injury that your pet had before you took out a pet insurance plan for them. If your pet is showing signs of an issue, is taking drugs for it, or has been to the vet for it before their insurance coverage has started (including any initial wait times) then it’s pre-existing.


While pre-existing conditions generally aren’t insurable, insurance providers are getting much better at covering those pre-existing conditions that are curable. You’ll be able to click onto any insurance provider from our results page when you get a quote and check their coverage regarding pre-existing conditions.

What's a copay?

The co-pay is the percentage of any covered pet insurance claim that you’re responsible for.  For example, if you select a 10% copay you’ll be responsible for paying 10% of any covered vet bill.

Is the deductible annual or per-incident?

The deductible – the amount you are responsible for paying in vet bills before the insurance kicks in, is annual for all insurers you’ll find on the Petted website, except for Trupanion, that offer a lifetime deductible.


What’s the difference?


With an annual deductible you’ll only pay this once, even if you have to visit the vet 5 times in a year for different things.  The deductible resets every 12 months.


With Trupanion’s lifetime deductible, if your pet has a chronic condition, for example allergies, UTI’s or cancer and has to go to the vet regularly over many years, the deductible will not be paid again after the first visit, even if they’re still being treated 10 years later!

Which vet can I use this insurance at?

You can use any vet in the USA, and if your vet happens to be closed when you need to visit, you can also use any pet hospital too.

What do you mean by 24/7 pet helpline?

We’re glad you noticed that some insurers offer this service. This is a totally free benefit where, for example, you suspect there is a medical issue but you don’t know

if you should rush your pet to the vet’s office. You can use this service over the phone, live chat or email. There’s no fee for you and you can use it as often as you need to. It’s a wonderfully reassuring feeling to have a vet give you advice any time you need it.

Is there a plan that covers spaying/neuter costs?

Yes there is! On the results page select the Petted wellness plans so you can get a routine wellness plan that covers routine exams and shots, flea and tick meds, dental cleaning and spay/neuter costs.

How much annual coverage should I choose?

Annual policy limits are the maximum amount you can claim for over 12 months on the policy you choose. It’s important to remember that vet bills can be really expensive. Bills over $1,000+ just for exams are common and surgery can be really expensive. For example, surgery on a broken elbow or hip can easily be close to $10,000. Being underinsured is a position you don’t want to find yourself in. Often there is not too much of a difference between $5,000 annual coverage and an $Unlimited plan.

Is dental coverage included?

Usually yes, so long as your pet is free from all dental disease when you enroll them. Each insurance provider will have slightly different rules about dental coverage and so when you click onto an insurance provider’s site after you get a quote you can check with the provider directly.


Note: Dental cleaning is not covered under an accident and illness policy, but we do have coverage for this under our Petted Platinum and Diamond routine wellness plans, which you can find on our results page.

My pet has been diagnosed with an ACL/CCL tear, is this covered?

If you have insurance then you’ll be glad you bought it. This can run up a big bill; think $8,000+ for TPLO surgery (the best surgery). Included in this cost will be pre-

surgery blood work, anesthesia, the surgery itself, post surgery care and any medications prescribed by your vet.

My vet found a tumor, is cancer covered?

The sad fact is that cancer is the no.1 disease related killer of pets, affecting 38% of pets every year. Cancer can very easily run to well over $10,000 in costs and often up to $30,000. Your policy will cover cancer, up to the annual limits of the policy you choose. Certain breeds of pets are more susceptible to cancer (talk to your vet if you’re unsure) and so you really want to make sure you have enough coverage to protect against the financial consequences of not having coverage in place.

Can I change coverage later on?

Yes, you can change to a lower level of annual coverage, a higher deductible or a higher copay % anytime, but for anything else you can only change coverage at the annual renewal time.

My pup is just a baby, why bother buying insurance now?

Puppies are by nature, mischievous. They eat stuff they shouldn’t, which usually results in their stomach being pumped (average cost $2800), they can escape and get into accidents (easily $10,000+ if they have bone fractures), they can get allergies (lifelong medication costing $000’s), but most importantly of all, as pet insurance doesn’t cover pre existing conditions, you are protected in case something happens later on in life that won’t be covered because it’s traced back to an issue they had years before.


For example, if your pet get’s arthritis at 5 years old, which stems from a knee issue from 4 years before, that won’t be covered as it’s pre existing.


Simply put, enrolling in a puppy insurance plan is a low cost way to ensure your pet has a long and healthy life, where any new accident and illness will be covered in future as you had the foresight to protect them when they were a puppy.

Will my insurance go up in cost each year?

Yes, and we usually advise on budgeting 6-7% increase per year. All the insurers we work with guarantee to never put your rates up just because you’ve made a claim. Rates will only rise as your pet ages, and is more of a health risk. However, if you assume there are roughly 7 pet years to 1 human year, it’s equivalent to a 1% increase per year in human terms.

When will my pet’s coverage begin?

This is something that varies quite a lot between insurance providers and you can check this by clicking on the ‘Coverage, Claims and More’ button on any of our insurer results.

Will my insurance go up in cost each year?

Yes, and we usually advise on budgeting 6-7% increase per year. All the insurers we work with guarantee to never put your rates up just because you’ve made a claim. Rates will only rise as your pet ages, and is more of a health risk. However, if you assume there are roughly 7 pet years to 1 human year, it’s equivalent to a 1% increase per year in human terms.

Will this plan cover my pet’s routine exams and shots?

Pet insurance does not cover routine wellness care, but we do have a range of fantastic wellness plans that you can see on the Petted results page. These cover annual exams and shots, routine blood work, flea, tick & heartworm meds, dental cleaning and even spay/neuter costs.

Does my pet need an exam before coverage starts?

Some insurers will ask for your pet to have had an exam before coverage starts, or within a short time afterwards. This is so you can both be happy your pet is nice and healthy when their insurance begins.

When will my pet’s coverage begin?

This is something that varies quite a lot between insurance providers and you can check this by clicking on the ‘Coverage, Claims and More’ button on any of our insurer results.

What’s the cancellation policy?

You can cancel a pet insurance policy anytime with no fees, even if you’ve made a claim.

Does my pet need to be vaccinated each year?

Insurers work on the basis that your vet knows what’s best for your pet. You need to follow your vet’s advice or you run the risk that an insurance claim will be denied if you haven’t followed your vet’s guidelines when it comes to vaccines.

Are there discounts for multiple pets?

Good question. Some insurers just want to give the lowest price for each pet, and some will give an extra discount when you insure multiple pets. We display the multiple pet discount offered by each provider once you get a quote for your pet.