How Pet Insurance Works
Pet insurance isn't like human health insurance. Here's what you actually need to know.
The Key Difference
Pet insurance is reimbursement-based. You pay the vet first, then submit a claim to get money back. No networks, no referrals — use any licensed vet.
The Three Numbers That Matter
Every policy has these three components
Deductible
Amount you pay before insurance kicks in
Reimbursement
Percentage insurance pays back
Annual Limit
Max insurance pays per year
📝 Example Claim
What's Covered?
Usually Covered
Usually NOT Covered
Waiting Periods
Coverage doesn't start immediately. This prevents people from buying insurance after their pet is already sick.
💡 Tip: Embrace has a 6-month orthopedic wait vs 12 months at most competitors. Important for breeds prone to hip issues.
Pre-Existing Conditions
Anything diagnosed or showing symptoms before coverage started is never covered.
This is why insuring early matters. Wait until your dog limps? Hip dysplasia becomes pre-existing. Insure as a puppy? Conditions that develop later are covered.
How to File a Claim
Pay Vet
You pay upfront
Get Records
Invoice + medical records
Submit
App or online portal
Get Paid
5-14 days typically
💡 Pro tip: Trupanion can pay vets directly so you don't front the money. Ask if your vet supports this.
Choose the Right Policy
Bulldogs, Cavaliers, Berners
- ✓ 90% reimbursement
- ✓ Unlimited coverage
- ✓ Short ortho wait
- ✓ Hereditary covered
Healthy Mixed Breeds
- ✓ 80% reimbursement
- ✓ $15k+ annual limit
- ✓ Higher deductible OK
Save on Premiums
- ✓ Accident-only option
- ✓ $500-1k deductible
- ✓ Skip wellness add-ons
Common Mistakes to Avoid
Quick Summary
Find the Right Coverage for Your Breed
Different breeds need different coverage. Get specific recommendations for your pet.