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The Ultimate Guide to Pet Insurance: What Every Pet Owner Needs to Know in 2025

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3. What Is Usually Covered by Pet Insurance?

The majority of pet insurance plans cover the following, though coverage varies by provider and policy type:

Accident Protection

  • Broken bones

  • Lacerations

  • Consuming strange substances

  • Consumption of toxic substances

Illness Coverage

  • Cancer

  • Allergies

  • Infections

  • Diabetes

  • Digestive problems

  • Skin, eye, and ear disorders

Chronic Illnesses

  • Thyroid disorders

  • Arthritis

It’s crucial to verify how pre-existing ailments are managed, even though many policies cover chronic conditions.

Hospitalization and Emergency Room Visits

  • Surgery

  • Overnight stays

  • Diagnostic testing (X-rays, MRIs, ultrasounds, lab tests)

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