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Pet Insurance

Pet Insurance could save your pet’s life!

Pet insurance can reimburse you, or in some cases pay upfront, for eligible veterinary expenses, particularly if your pet suffers an unexpected accident or illness. The most important thing is that your insurance covers large expenditures that would be difficult for you to cover on your own. You don’t want to have to decide between euthanasia and treatment because of costs.

The cost of pet insurance is often in the hundreds per year while the cost of treating illness and accidents is often in the thousands. An emergency visit for your cat or dog can easily exceed $1,000 in just a few hours. Emergency and specialty care can be up to $10,000 or more for serious illnesses and accidents. Insurance is one option to help pet owners plan and be prepared for large, unanticipated emergency expenses.

Fern Hill Veterinary Care is not affiliated with any insurance company, and it’s very important you research any insurance plan before enrolling. Amongst our staff and clients, some of the more popular companies are Trupanion, Embrace, Healthy Paws, and Pet’s Best.  Trupanion is the only company that can do direct payment to our hospital (and many ERs) for the covered amount of a claim, instead of reimbursing you after you pay.

Key facts about pet insurance:

  • Pre-existing conditions are NOT covered by insurance. If you wait until your pet has a problem to get insurance you will be disappointed. Don’t wait!
  • Most insurers don’t cover dental care unless there is a traumatic tooth injury like falling and breaking a tooth. Coverage for elective and preventive procedures may be offered but will add to your monthly cost. Elective and preventative care means things like spaying, neutering, dental cleaning and vaccines.
  • Pet insurance is not a wellness plan. Pet insurance can be used at any veterinary provider including specialists, emergency and your primary care provider. Wellness plans cover expected expenses such as vaccines and lock you into one clinic. If your pet becomes ill, wellness plans do not help.

Questions to ask about insurance:

  • Is my deductible per incident or per year?
  • Is there an annual or lifetime maximum payout?
  • Are behavior issues covered?
  • Are dental problems covered?
  • Are my exam fees covered?
  • Can I afford a higher deductible to get a lower monthly premium?
  • Does my pet have pre-existing conditions that will not be covered?
  • Do I need to pay upfront for care then be reimbursed or not?

Pet Insurance Reviews:


Articles about pet insurance:


Dental coverage options:


Insurers that offer behavioral coverage: