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Pet insurance, explained honestly
Straight answers on what pet insurance actually covers, what it really costs, and which options make sense for your pet, backed by current industry data and policy documents, not sales pitches.
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Pet insurance can reimburse a large share of unexpected vet bills, but only if you understand the fine print before you buy. The three things that trip people up most are pre-existing condition exclusions, waiting periods, and how deductibles and reimbursement percentages change what you actually get back. The guides below walk through each in plain English.
According to the North American Pet Health Insurance Association (NAPHIA), the average accident-and-illness policy ran about $70/month for dogs and $36/month for cats in 2025, and premiums rose more than 11% that year. Your price depends heavily on breed, age, and where you live. We show real ranges, not just averages.
Latest guides
All guides- By insurer
ASPCA Pet Insurance Review (2026): 14-Day Waits, 180-Day Curable Rule
ASPCA pet insurance has a flat 14-day waiting period, exam fees and behavioral care in the base plan, a $100 to $500 deductible, and a 180-day curable rule.
- By insurer
ASPCA Pet Insurance Waiting Period: 14 Days Across the Board
ASPCA pet insurance's waiting period is 14 days for accidents, illnesses, and ligament and knee conditions; preventive add-on has no wait, no waiver published.
- By insurer
ASPCA vs Spot Pet Insurance (2026): Same Policy Core, Four Differences
ASPCA vs Spot pet insurance: both wait 14 days, use a 180-day curable rule, and include exam fees. They differ on deductible ceiling, limit menu, and discounts.
- How it works
Can You Get Pet Insurance Before Surgery and Use It?
You can buy pet insurance before surgery, but that surgery won't be covered: the condition is pre-existing and the waiting period hasn't passed. New ones are.
- By insurer
Costco Pet Insurance: A Figo Policy With a 15% Member Discount
Costco pet insurance is Figo's policy, underwritten by Independence American Insurance Company, with 15% off for Gold Star and Business members on new policies.
- Coverage
Does Pet Insurance Cover Apoquel and Cytopoint for Allergies?
Pet insurance covers Apoquel and Cytopoint as prescription medication for a covered allergy if the allergy wasn't pre-existing and the policy pays for drugs.
- Coverage
Does Pet Insurance Cover Behavioral Issues and Anxiety?
Some pet insurance covers behavioral issues like anxiety when a vet diagnoses them, but many policies cap or exclude it. Training is never covered.
- Coverage
Does Pet Insurance Cover Bloat (GDV) Surgery for Dogs?
Yes, pet insurance covers emergency bloat (GDV) surgery as illness treatment after the waiting period. Preventive gastropexy is usually excluded as elective.
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Pawsured is an independent information site and is not an insurer or broker. Content is general information, not insurance or veterinary advice.