In exchange for a regular premium, pet insurance pays a portion of your vet bills when your cat or dog is sick or gets in an accident. Typically, you pay the vet bill and the insurance company reimburses you an amount that is set out in your policy.
Pet insurance is in many respects like our own health insurance with deductibles, maximums, and copays and the portion paid to you is determined by these limits and the stated conditions that are covered. Pet insurance does not necessarily cover all treatments your cat or dog might get, such as routine care or transplants, so make sure you ask a lot of questions before you buy.
Under existing insurance plans, you can visit any vet you like in the US, which is good news. Even though our pets come and go in our lives, we often stay with the same vet over many years.
