Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Written by Melanie Musson
Published Insurance Expert Melanie Musson

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

Full Bio →

Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Sep 23, 2021

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Pet Insurance U receives compensation from the third parties included on this site. This includes payment for clicks from our site to insurance providers’ sites and quote requests generated. Our rankings and reviews are not affected by payments from the insurance companies. The compensation we receive allows the site to be free and regularly updated. Our goal is to review every pet insurance provider, but not all companies are listed on the site.

And many of the companies we review do not pay us anything. We simply rate, compare and review their plan because we feel it will be valuable to you. Our reviews are guaranteed to be unbiased, professional and advertising compensation does not influence rankings.

We are a free online resource for anyone interested in learning more about pet insurance. Our goal is to be an objective, third-party resource for everything pet insurance related. We update our site regularly, and all content is reviewed by pet insurance experts.

When you add a new puppy or kitten to your home, it can be a big and important decision.

After all, you need to be ready to take on the responsibility of taking care of your new family member.

And with that responsibility, many questions come to mind from the type of food to buy to whether you need to train your new pet!

One of the bigger and more important questions is whether to purchase pet insurance.

You want to make sure that whatever happens to your new family member that you have the means to pay for the medical bills.

Need Pet Insurance?

FACT: Pet insurance pays up to 90% of vet bills when your pet is sick or injured!

The Different Types of Pet Insurance

One of the most important decisions to make when you first enroll in a pet insurance policy is choosing the right coverage.

After all, you want to make sure to get the most extensive coverage so your dog or cat is covered for any accident or injury that might occur.

Related: 10 Things You Must Know Before You Buy Pet Insurance

Comprehensive Pet Insurance

Comprehensive coverage, or accident and illness coverage, is typically the broadest, most well-rounded coverage you can get for your pet.

Comprehensive coverage, also known as accident and illness coverage, is also the most popular choice due to its breadth of coverage.

A solid comprehensive coverage policy includes coverage for almost any accident or illness and the treatment that is necessary to address that condition.

It will usually include all:

  • Accidents
  • Illness
  • Infections
  • Viruses
  • Cancer
  • Diabetes

Real Cost Savings from PetFirst Clients


PetFirst saved his parents


A happy energetic Luna one morning couldn’t hold her food down. After months of multiple costly vet visits to specialists and an endoscopy, the problem was discovered and fixed. Luna put 22 pounds back on in no time and her parents were grateful for having PetFirst by their side to pay the bills.

Every Reputable comprehensive coverage policy will include a minimum of the following:

  • All accidents and injuries
  • Hereditary conditions and chronic conditions
  • Cancer, Diabetes, Kidney Disease
  • All types of surgery
  • Diagnostic Exams including Cat Scans, MRI
  • Specialty Care and Alternative Therapy
  • Emergency care
  • Hospitalization

Accident Only Pet Insurance

Accident only coverage is coverage just for accidents and some illnesses.

For instance, if your pet swallows an object, injures his paw or gets a spider bite, these accidents are covered. However, if your dog or cat gets sick or any type of illness, you won’t be covered.

Whiles these plans are usually less expensive, they can be limiting. Accident only coverage can be a viable option for an older pet who is too old to be covered under a typical accident and illness plan.

Pet Wellness Plans

Wellness plans are plans that reimburse you for routine procedures and vet visits.

Some of the procedures that are usually covered are spays and neutering, vaccinations, insect bites, heartworm, and other routine procedures.

While this seems like a great option, it can get expensive because wellness plans are added on to your pet insurance policy and will, therefore, raise your premiums.  Further, these plans only pay part of the routine procedure and therefore you are not fully reimbursed.

While there is no deductible for a wellness plan, you are only reimbursed for a specified amount per procedure.  For example, if your dog or cat has their vaccinations and it costs $200, a pet insurance wellness plan will usually pay you back only $100 of the bill.

Wellness plans can be appealing if you have a young cat or dog that needs many of the routine procedures that are usually offered like vaccinations and spaying and neutering.  However, for a dog or cat that is older, these plans will just increase your monthly premiums.

Real Cost Savings from PetFirst Clients


PetFirst saved his parents


Artemis was a beautiful and friendly cat to all who were willing to pet him. Unfortunately, he developed feline diabetes which required regular vet visits and medications that his Mother could not otherwise afford on her fixed income. Having PetFirst insurance, she called and discussed the problem with a friendly PetFirst agent. To her surprise, she found out that Artemis’ ongoing required vet visits and medication would be covered by his PetFirst insurance. Artemis was able to live out the rest of his life with proper medical care and medicines thanks to PetFirst insurance.

Pet Dental Insurance

Most pet insurance companies don’t offer dental care as part of their comprehensive policies, but there are some providers that include dental in their wellness packages.

While this seems like a great deal because dental care can be expensive, the wellness packages, as we mentioned above, are an add-on to an existing policy that increases your monthly premium.

In fact, the wellness plans with dental only give you a certain allowance towards dental care and don’t pay even close to the full amount. Therefore, if you like a wellness plan for other routine procedures that it provides, it could be beneficial to offset some of the costs.

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Pet Wellness Plans vs. Pet Insurance

Pet insurance plans and wellness plans are very different in what they cover. Most comprehensive pet insurance plans cover all accidents and illnesses.

They offer full comprehensive coverage from:

  • Illnesses
  • Hereditary Conditions
  • Congenital Issues
  • Accidents

Wellness plans are really just an add-on to an existing pet insurance policy. They cover routine procedures such as vet visits, spaying and neutering, vaccinations and other preventative care treatment or procedure.

They are also not stand-alone policies and therefore are in addition to a pet insurance policy. Therefore, they raise the monthly premiums. Only Nationwide has a stand-alone wellness plan that is extremely comprehensive.

Why You Should Get Pet Insurance

Pet insurance can be a real lifesaver when your pet does need medical help as most policies will pay up to 90% of your bill.

And that can be a real saving and relief if your puppy, kitten or even older dog needs serious medical help.

Pet insurance is really the assurance that no matter what happens to your pet that you can afford to pay the bill.

Pet insurance can also be extremely complicated and confusing as there are so many companies to choose from as well as so many decisions to make on coverage, pricing and more.

Where do you even start? You can start by comparing plans and rates!


Other articles you may find helpful: 


Is Exotic Pet Insurance Necessary? 

The Best Pet Insurance By State 

What Is Pet Insurance?

Fun Facts, Dog FAQ, And Unsolicited Dog Advice

5 Training Commands to Save Your Dog’s Life

The Ultimate Guide to Safe Foods for Dogs

Dog Health Problems

Dog Breeds


Cat Health Problems

Cat Breeds


Pet insurance is similar to other insurances but does have some major differences as compared to your health insurance. Below you will find a definitive list of frequently asked pet insurance questions to help in your decision.


What is Pet Insurance

Types of Pet Insurance Coverage

Comprehensive Pet Insurance Explained

Accident Only Pet Insurance

Pet Wellness Plans

Insurance vs. Wellness Pet Insurance Plans

Is Pet Dental Insurance Worth the Extra Cost

How does Pet Insurance work

Best Pet Insurance Plans with Shortest Waiting Periods

Pet Insurance Deductibles

Pet Insurance Coverage Exclusions and Limits

Pet Insurance Reimbursements

Pet Insurance Benefit Limits Explained

How to Make a Claim on your Pet Insurance

Is my Pet too Old for Pet Insurance Coverage

Top Reasons to Purchase Pet Insurance

How much does Pet Insurance Cost

Is Pet Insurance Worth It

Compare Pet Insurance

Pet Insurance for Multiple Pets

Pet Insurance that Covers Spaying and Neutering

Does Pet Insurance Cover Shots

Pet Insurance with Pre-Existing Conditions