This traditional form of pet insurance coverage mirrors your typical human health insurance plan. It generally covers anything accidental, such as unforeseen injuries or illnesses—even poisonings. Basic coverages typically include deductibles and caps on total payouts per policy term.
While covering most everything that a traditional basic plan would cover, comprehensive takes pet insurance one step further by including preventive care (such as vet visits, X-rays and vaccinations) and prescription medicines.
Want coverage to help finance for routine care? Then a pet wellness plan is for you, to help pay for annual exams, teeth cleanings, vaccinations and other similar preventative treatments.
Vet packages and network plans
Additional pet insurance-like pet products are often sponsored by veterinarians themselves or in conjunction with pet stores. For instance, certain vets will offer their customers essentially what are package deals, which provide discounts on care and checkups. Or vets and pet stores may team up to offer plans that give discounts on surgeries and care, as well as on pet food and other supplies.
For pets that are exotic or worth a lot to their owners, life and theft insurance can be bought as a separate plan. Pet owners can also consider liability coverage to protect them should their pet bite or harm another person. Typically, homeowners or renter’s insurance provides enough protection, but for certain more aggressive breeds, additional insurance may be needed.