Similar to standard medical health insurance for humans, pet insurance helps to pay, either in partial or whole amounts, for the medical treatment of your pet. Depending on the insurance provider and your vet, you can find options that prevent any out-of-pocket costs, though traditionally, most offer reimbursement forms.
Usually, you will see that pet insurance providers cover emergency services only. Still, some will also help cover some of the cost of more routine services, including prescriptions, annual blood work, flea prevention, etc.
While pet insurance is not legally required and there are no penalties associated with having an uninsured pet, it does come highly recommended by the American Veterinary Medical Association (AVMA).
When you search for a pet insurance provider, you might want to reach out to your veterinarian first to see if they have any that they recommend. Some veterinary offices will be partnered with pet insurance companies, allowing you to minimize out-of-pocket costs with your visits.
Ultimately, the decision of whether or not you want pet insurance, what type of pet insurance you want, and the provider you wish to obtain it from are all up to you. It’s essential to do your research and shop around to find the best fit for you and your pet.