Pet Insurance Guides

Welcome to the Guides page! If you have landed here directly from a search engine, we’re glad to have you on the site. is the premier online source for information about all aspects of the pet insurance world. We feature updates on how the pet insurance industry changes and grows, along with detailed reviews of many companies that offer pet insurance policies to pet owners.

On this page, we’d like to point you to some of the resources we have put together that will provide you with much more good information. You will see several guide pages listed below. Like any good guide, our goal is to lead you safely and efficiently through the journey of buying pet insurance for your family pet.

And who knows – we might even have a little fun along the way!

The Expert Guides:

What Is Pet Insurance?

Pet insurance is peace of mind for a family with a beloved family pet. Put simply, pet insurance protects you from very costly vet bills that can result if your pet experiences an injury or illness. You will pay a monthly premium for a pet insurance policy that will then reimburse you for a certain percentage after you pay the vet bill.

With high-tech treatment available for animals now, treatment costs are rising, so it’s extremely helpful to know that even in a difficult time, you won’t have to worry about the financial aspect – you can just focus on getting your pet well!

Benefits of Pet Insurance

As a country, we spend a lot of money on our pets. Think about food, bedding, toys, shots and more. It’s relatively surprising that we have not bought into pet insurance as quickly as we have accepted insurance for many other things that are actually not as important to us as our pets. Protecting your pet’s future with pet insurance should be one of your biggest goals, and this page will provide a few reasons why.

How Does Pet Insurance Work?

The quick answer is that pet insurance works basically like human health insurance, although it’s actually a lot less complicated. With most pet insurance policies, you will pay a monthly premium and have to meet an annual deductible before benefits start.

When your pet needs treatment, you will pay the bill and then submit a claim to your insurance company for the cost of the bill. The insurance company will then reimburse you for a certain percentage of the bill. The amount of reimbursement depends on the policy you chose. Read on for more details.

What Does Pet Insurance Cover?

Once you have decided that pet insurance is worth it, and the cost is reasonable, you have to decide what kind of coverage you want for your pet. The most common coverage is injuries and illness, which includes things like broken bones, bite wounds, ear infections, urinary issues and much more.

If you want a cheaper policy, you can choose injury-only as well. You can also find policies that cover chronic conditions, hereditary and congenital conditions, and even behavioral therapies. Some companies offer wellness care also. Just decide what you absolutely want covered and then find a company and policy to match!

How Much Does Pet Insurance Cost?

Now we’ve come to the nitty-gritty details – how much will pet insurance actually cost me? Is it worth it to pay or should I just try to save a little money on my own and take my chances? As with many questions, the answer varies according to several factors, including the company you choose, the type of pet you’re insuring (dogs are more expensive than cats) and where you live.

You can also control your pet insurance cost to some degree by choosing your deductible amount and reimbursement amount. If you need to save money, you can choose a higher deductible and a lower reimbursement percentage. Many more details are on this page.

Is Pet Insurance Worth It?

This is the big question you’re probably asking yourself right now. Is it better to forego pet insurance and hope you don’t face a medical emergency that will result in a large vet bill? Or should you bite the bullet and pay the monthly premium to prevent having to pay a large sum that could result from a medical emergency?

Our strong opinion at is that you're much better off buying pet insurance. This will bring you peace of mind in case anything should ever happen to your pet, and that's a hard thing on which to put a price tag.