How to read your pet insurance policy
What the parts of a pet insurance policy mean, so you know what your own document says before you talk to your insurer, agent, or attorney.
A pet policy reimburses a share of covered veterinary bills rather than paying a provider directly. The annual limit caps what the plan will reimburse in a policy year.
The reimbursement percentage is the share of covered bills the plan pays back after your deductible, such as 70, 80, or 90 percent. Conditions that showed signs before coverage began, called pre-existing conditions, are typically not covered.
The parts to find on a pet insurance policy
- Annual limit
- The most your pet plan will reimburse in a policy year.
- Pre-existing condition
- A health issue that showed signs before coverage began. These are typically not covered.
- Reimbursement percentage
- The share of covered vet bills the plan pays back after your deductible, such as 70%, 80%, or 90%.
What UnderstandMyPolicy shows you
Upload your own pet insurance policy and it reads the document and explains what it says, with every answer cited to the page and clause. It reports what your policy states, not whether your coverage is enough — that is a conversation for you and a licensed agent or attorney.