Pet insurance
🐾Pet Insurance for Dogs and Cats
Pet insurance can reimburse a percentage of eligible veterinary costs after a deductible. Wellness plans help with routine care and are not the same as insurance, even when sold together.
Compare pet options →Accident and illness versus wellness
Insurance addresses covered accident or illness losses. A wellness program generally helps with routine care. They should be explained separately.
Pre-existing conditions and waiting periods
Many policies exclude pre-existing conditions. A waiting period is the time after the effective date before certain coverage begins. Accident, illness and orthopedic waiting periods may differ.
FAQ
Questions people ask
Does pet insurance cover pre-existing conditions? +
Many policies exclude pre-existing conditions, though definitions and treatment of curable conditions can vary. Review the policy and medical-history rules.
What is a pet insurance waiting period? +
It is the time after the effective date before certain coverage begins. Accident, illness and orthopedic waiting periods may differ.
Is a wellness plan the same as pet insurance? +
No. A wellness program generally helps with routine care, while insurance addresses covered accident or illness losses. They may be sold together but should be explained separately.
How are pet claims reimbursed? +
Many plans reimburse a percentage of eligible veterinary costs after a deductible, subject to exclusions and limits. The exact calculation is policy-specific.
Carolinas Coverage Insurance Agency
410 Westinghouse Blvd, Suite B
Charlotte, NC 28273
North Carolina and South Carolina. Spanish and English contact paths.