Pet insurance helps reimburse eligible veterinary expenses for covered accidents and illnesses. You typically pay the veterinarian, submit a claim and receive reimbursement based on your policy's deductible, reimbursement rate and coverage terms.

Pet insurance generally does not cover conditions that existed before coverage began. Policy definitions and eligibility can vary, so it is important to review the terms of your pet insurance policy.

Coverage may include eligible expenses related to accidents, illnesses, emergency veterinary care, diagnostic testing, surgery, prescription medications and other covered treatments. Exact benefits depend on the policy.

A waiting period is the amount of time after your policy begins before certain coverage becomes effective. Waiting periods may differ depending on the type of condition or benefit.

Many pet insurance policies allow you to visit any licensed veterinarian rather than requiring you to use a specific network. Always review your policy for applicable requirements.

Pet insurance premiums can vary based on factors such as your pet's age, breed, location and the coverage options you select. Deductibles and reimbursement levels can also affect the cost.

Many pet owners consider coverage while their pet is young and healthy because conditions that develop before enrollment may later be considered pre-existing. Eligibility and age requirements vary by policy.

You can request a pet insurance quote through Everpoint. We partner with Fetch Pet Insurance to help pet owners explore available coverage and pricing for their dogs and cats.