Why Compare Pet Insurance by State?
Pet insurance costs, coverage options, and provider availability can vary significantly from state to state. Factors like local veterinary costs, state regulations, and regional health risks all impact the insurance offerings in your area.
Our state-specific guides help you find the best coverage options available where you live, with accurate pricing information and provider comparisons tailored to your location.
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Common Pet Insurance Questions
What does pet insurance typically cover?
Most pet insurance plans cover accidents and illnesses, including injuries, emergency care, surgeries, hospitalizations, and prescribed medications. Some providers offer wellness plans as add-ons that cover routine care like vaccinations, annual exams, and dental cleanings.
How much does pet insurance cost?
The average cost of pet insurance ranges from $25 to $50 per month for dogs and $15 to $30 for cats. Costs vary based on your pet's age, breed, location, and the coverage level you choose. Premiums are typically higher for older pets and breeds prone to health issues.
Are pre-existing conditions covered?
No pet insurance provider covers pre-existing conditions, which are health issues that occurred before your policy began or during waiting periods. Some companies distinguish between curable and incurable pre-existing conditions, potentially covering curable conditions after a certain period without symptoms.
When is the best time to get pet insurance?
The best time to get pet insurance is when your pet is young and healthy. Enrolling early helps ensure coverage before any conditions develop, keeps premiums lower, and provides peace of mind knowing your pet is protected from their early years.