Frequently Asked Questions about Online Pet Insurance Quotes

Here are the answers to the most commonly asked questions about online pet insurance quotes.

What is pet insurance?

Pet insurance policies reimburse pet owners for the medical expenses of their pets. Pet insurance is analogous to an indemnity health insurance plan for humans. For the most part, pet insurance only covers sick care, not preventive or well care.

How much does pet insurance cost?

Online pet insurance quotes will vary from company to company, and they will also depend on the type of coverage you select and what kind of pet you have. Generally, pet insurance costs about $25-$30 per month for a standard plan. This usually translates into annual premiums of about $100 for adult cats and $130 for adult dogs (for standard plans). Mature pets will have higher premiums, as will certain breeds of dogs.

Is there a co-pay with pet insurance?

Most pet insurance policies do require a co-pay, yes. Typically, this is a percentage of the claim, such as 10%. For example, if your veterinary bill were $250 with a co-pay of 10%, you would submit a claim to your pet insurance company for $225 to allow for your co-pay.

What about deductibles?

You should ask the insurer that provides your online pet insurance quotes about their deductible policy. Most policies come with a per-incident deductible of around $50. In other words, the insurance company will only reimburse you for the outstanding balance of your claim less your co-pay and your deductible.

My pet is considered a senior. Can I still purchase pet insurance?

Pet insurance policies for "mature" pets do exist, but the premiums are almost double what they would be for a younger animal. If your pet is considered elderly (exceeds the "mature" age threshold), you may not be able to insure him or her at all.

What kinds of pets can be insured?

Obviously, cats and dogs are the most frequently insured parties. However, most major pet insurers also offer insurance for birds and exotic pets, including rabbits, geckos, snakes, turtles, hamsters, hedgehogs, and more.

Are you a pet insurance company?

No, we are a referral site that works with pet insurers; we do not issue policies ourselves. Our services are complimentary and come with no obligations.