Coverage guide

What does pet insurance cover?

Straight answers to the questions pet owners actually search — with what to do next.

💡 Quick answers to the most-searched “does pet insurance cover ___?” questions. Tap any topic for the details and what to do.

🚫Pre-existing conditionsNot covered→⚠️Dental cleaningPartially covered→➕Spaying and neuteringOnly with a wellness add-on→➕VaccinationsOnly with a wellness add-on→✅Cancer treatmentUsually covered→✅ACL/CCL (cruciate) surgeryUsually covered→⚠️Hip dysplasiaPartially covered→✅AllergiesUsually covered→🚫Pregnancy and breedingNot covered→⚠️Behavioral therapyPartially covered→✅Prescription medicationsUsually covered→✅Emergency vet visitsUsually covered→⚠️Hereditary and congenital conditionsPartially covered→✅DiabetesUsually covered→✅Ear infectionsUsually covered→✅Diagnostic testsUsually covered→✅Chronic conditionsUsually covered→⚠️Alternative therapiesPartially covered→⚠️End-of-life care and euthanasiaPartially covered→

Frequently asked questions

Accident-and-illness plans cover new (non-pre-existing) injuries and illnesses — diagnostics, surgery, hospitalization, and medication — reimbursing 70–90% after your deductible. Routine/preventive care needs a wellness add-on.

Pre-existing conditions are never covered. Most plans also exclude elective procedures, breeding/pregnancy, and cosmetic procedures.