10 Best Pet Insurance Companies of November 2021 | Smart change: personal finance

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How does pet insurance work?

Pet insurance is a policy that comes with a monthly premium. With pet insurance, if your pet is sick or injured, you pay the bill up front and submit a claim for reimbursement. You can take your pet to a licensed veterinarian and then submit a claim for reimbursement for issues covered by your pet insurance plan.

What does pet insurance cover?

It depends on the specific plan. Standard pet health insurance will cover most accidents and injuries. However, you can also purchase a policy that only covers routine vet visits for checkups and vaccinations, commonly known as wellness plans. “Things like ultrasounds, blood tests or procedures like MRIs or CT scans – these are now available [for pets]”said Dr. Jerry Klein, chief veterinarian of the American Kennel Club.

What is the best pet insurance?

The best pet insurance for you will depend on a combination of different things, primarily your budget and your pet’s needs.

How we found the best pet insurance companies

We evaluated each pet insurer by looking at:

  • Plan and coverage options
  • Cost and discounts available
  • Annual reimbursement limits
  • Policy exclusions and restrictions
  • Well-being benefits
  • Customer service options and complaints process
  • Customer reviews
  • Third-party reviews from websites like TrustPilot and the Better Business Bureau


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