How pet insurance works
Pet insurance can help with large bills, but it usually works differently from human health insurance.
Reimbursement
Most plans pay you back after you pay the clinic. You submit the itemized invoice and medical records, then wait for reimbursement.
Deductible and reimbursement rate
You pay up to the deductible first, then the plan pays a percentage of covered costs up to any limits.
Waiting periods
New policies usually have waiting periods before illnesses or injuries are covered.
Pre-existing conditions
Most plans do not cover conditions that started before coverage or during the waiting period. Read your policy's definition.