How To Buy Pet Insurance (2024)

Not all plans are the same. You need to decide which "tier" of protection makes sense for your pet's life stage and breed:

: The maximum amount the insurer will pay in a year. "Unlimited" protection costs more than a $5,000 or $10,000 cap. 3. Check for Exclusions and Waiting Periods how to buy pet insurance

: This is what you pay before insurance kicks in. Higher deductibles (e.g., $500–$1,000) lead to lower monthly premiums. Not all plans are the same

: The most affordable option, covering emergencies like broken bones or swallowed objects, but excluding illnesses like cancer or infections. : The most affordable option, covering emergencies like

: Most policies have a 14-day waiting period for illnesses and a shorter one (often 2–3 days) for accidents. You cannot file a claim for issues that arise during this time.

: This is the portion of the bill the insurer pays after your deductible is met. Choosing 70% is cheaper per month than choosing 90%.