The Ultimate Guide to Pet Insurance: What Every Pet Owner Needs to Know in 2025
ByOlivier
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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
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Broken bones
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Lacerations
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Consuming strange substances
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Consumption of toxic substances
Illness Coverage
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Cancer
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Allergies
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Infections
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Diabetes
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Digestive problems
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Skin, eye, and ear disorders
Chronic Illnesses
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Thyroid disorders
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Arthritis
It’s crucial to verify how pre-existing ailments are managed, even though many policies cover chronic conditions.
Hospitalization and Emergency Room Visits
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Surgery
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Overnight stays
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Diagnostic testing (X-rays, MRIs, ultrasounds, lab tests)