Norwalk Veterinary Medical Center

Understanding Pet Insurance

Deciding whether pet insurance is right for you can seem like a complicated decision. Ask us for help. We receive no endorsements or remuneration for our recommendations. We want you to have confidence in the product you choose.

We recommend both Trupanion and Embrace pet insurance depending on your needs. (Clicking on their name will take you to the company's website.)


Top Things to Know

The following information is from the pet insurance review website

1. Insurers differ
All pet insurance is not the same. Some insurance plans cover accidents to your pet, but not illnesses. Some plans cover treatment for cancer, some don't. It can be confusing, so you will need to do some research (that's why we created this website.)

2. Don't just look at the price
A low price is no bargain if your insurance company denies your pet's claim. Cheaper policies tend to provide less coverage. Will the cheapest pet policy cover your dog's cancer treatment? Probably not.

3. You can use any veterinarian you want
Not sure if your existing vet takes pet insurance? Don't worry, this is not an issue. All pet insurance companies will allow claims from any licensed veterinarian.

4. You have to pay the veterinary bill out of your own pocket
With human health insurance, your doctor invoices your insurance company and you may never even see the bill. However, with pet insurance, you have to pay your veterinary bill and then submit your claim to your insurance company for reimbursement. (This is because pet insurance is considered a form of property insurance.)

5. Pre-existing conditions are not covered
Not ever. Think of it this way: if you got into a car accident and then tried to buy auto insurance the next day, do you think it would be fair to expect the insurance company to pay for your accident? Me neither.

6. Is pet insurance worth it?
Pet insurance protects you from large, unexpected vet bills. If you are the type of owner who does not want to choose between going into debt or putting your pet down, pet insurance is for you.

The following information on the pet insurance review website will be helpful to you:

For dogs click here
For cats click here