Helping You Prepare for the Unexpected Cost of Pet Care

Pets are more than animals—they are part of the family. From routine veterinary visits to unexpected accidents and illnesses, caring for a pet can sometimes result in significant expenses.

Pet insurance can help reduce the financial impact of eligible veterinary costs, allowing you to focus on your pet’s care rather than facing an unexpected bill alone.

At SecureWay Insurance, we help pet owners understand their coverage options and consider plans that fit their pet’s needs and their budget.

WHAT IS PET INSURANCE?

Pet insurance is designed to help reimburse eligible veterinary expenses according to the terms of the selected policy.

Depending on the plan, coverage may help with certain costs related to:

• Accidents

• Illnesses

• Diagnostic testing

• Surgery

• Hospitalization

• Prescription medications

• Emergency veterinary treatment

• Specialist care

Coverage varies considerably between plans, so it’s important to understand the policy before enrolling.

WHY CONSIDER PET INSURANCE?

A sudden illness or accident can happen without warning.

Your pet may need emergency treatment, surgery, diagnostic testing, or ongoing care. Veterinary expenses can sometimes become substantial, particularly when specialized treatment is required.

Pet insurance can provide financial support for eligible expenses and help you prepare for unexpected veterinary costs.

WHAT CAN PET INSURANCE COVER?

Accident Coverage

Some plans provide coverage for eligible veterinary treatment resulting from accidental injuries.

Examples may include:

• Broken bones

• Injuries

• Wounds

• Accidental ingestion

• Emergency treatment

• Other eligible accident-related conditions

Illness Coverage

Depending on the plan, coverage may be available for eligible veterinary treatment associated with covered illnesses.

This can include certain:

• Diagnostic tests

• Treatments

• Medications

• Hospital stays

• Surgical procedures

Emergency Veterinary Care

Unexpected emergencies can happen at any time.

Depending on your policy, eligible emergency veterinary treatment may be covered according to the plan’s terms and limitations.

Specialist Treatment

Some policies may provide benefits for eligible specialist veterinary services when required for a covered condition.

WELLNESS & ROUTINE CARE

Not every pet insurance policy covers routine wellness care.

Some plans or optional wellness packages may provide benefits for certain preventive services, such as:

• Routine examinations

• Vaccinations

• Dental cleanings

• Parasite prevention

• Certain preventive screenings

Routine and wellness benefits vary by insurer and plan and may be subject to separate limits.

WHICH PETS CAN BE INSURED?

Pet insurance is commonly available for:

• Dogs

• Cats

Some insurers may offer coverage for additional types of pets.

Eligibility can depend on factors such as:

• Pet’s age

• Breed

• Species

• Location

• Medical history

• Existing conditions

• Selected coverage

PET INSURANCE FOR DOGS

Dogs can be active and adventurous, which can sometimes expose them to accidental injuries.

Pet insurance may help provide financial protection for eligible veterinary expenses associated with covered accidents and illnesses.

Depending on the plan, coverage may include eligible treatment involving:

• Injuries

• Illness

• Surgery

• Diagnostic testing

• Hospitalization

• Prescription medication

PET INSURANCE FOR CATS

Cats can also experience unexpected illnesses and injuries.

Coverage may help with eligible veterinary expenses associated with covered conditions, depending on the selected policy.

Before choosing a plan, consider your cat’s:

• Age

• Breed

• Health history

• Existing medical conditions

• Veterinary needs

WHAT IS A PET INSURANCE DEDUCTIBLE?

A deductible is generally the amount you are responsible for paying toward eligible covered expenses before the insurer begins reimbursing eligible costs according to the policy.

Plans may offer different deductible structures.

A higher deductible may sometimes result in a lower premium, while a lower deductible may increase the premium.

WHAT IS PET INSURANCE REIMBURSEMENT?

Pet insurance commonly works through reimbursement.

You may pay the veterinarian for eligible treatment and then submit a claim to your insurer.

Depending on your policy, the insurer may reimburse a percentage of the eligible expense after applicable deductibles and subject to policy limits.

For example, a plan might reimburse 70%, 80%, or 90% of eligible expenses after the applicable deductible.

The actual reimbursement percentage, deductible, limits, and claim requirements depend on the policy.

WHAT IS AN ANNUAL LIMIT?

Some pet insurance plans have an annual maximum.

This is generally the maximum amount the insurer will reimburse for eligible covered expenses during a policy year.

Plans may offer different annual limits, so compare them carefully when evaluating coverage.

WHAT IS A PET INSURANCE WAITING PERIOD?

A waiting period is the amount of time that may need to pass after the policy begins before certain coverage becomes effective.

Different types of conditions may have different waiting periods.

For example, a plan might have separate waiting periods for:

• Accidents

• Illnesses

• Orthopedic conditions

• Other specified conditions

Always check the policy before assuming coverage begins immediately.

PRE-EXISTING CONDITIONS

One of the most important things to understand about pet insurance is pre-existing conditions.

A pre-existing condition is generally a medical condition or symptom that existed before coverage began or during an applicable waiting period.

Many pet insurance policies exclude pre-existing conditions from coverage.

The definition and treatment of pre-existing conditions can vary between insurers.

WHAT PET INSURANCE MAY NOT COVER

Pet insurance isn’t designed to cover every veterinary expense.

Depending on the policy, exclusions or limitations may apply to:

• Pre-existing conditions

• Certain hereditary conditions

• Cosmetic procedures

• Breeding-related expenses

• Elective procedures

• Routine care

• Certain dental conditions

• Preventive treatments

• Expenses exceeding policy limits

• Other specifically excluded services

Always review the policy documents carefully before enrolling.

HOW MUCH DOES PET INSURANCE COST?

The cost of pet insurance can vary significantly.

Factors that may influence your premium include:

• Pet’s age

• Species

• Breed

• Location

• Coverage level

• Deductible

• Reimbursement percentage

• Annual limit

• Medical history

• Optional wellness benefits

A plan with a lower monthly premium may have a higher deductible or lower reimbursement percentage, so consider the overall value rather than price alone.

HOW TO CHOOSE PET INSURANCE

Consider Your Pet’s Age

Older pets may have different coverage considerations from younger pets.

Review Your Pet’s Breed

Certain breeds may have increased risks for particular conditions, which can affect eligibility and pricing.

Compare Deductibles

Understand how much you may need to pay before reimbursement begins.

Check Reimbursement Levels

Compare the percentage of eligible expenses each plan may reimburse.

Review Annual Limits

A plan with a higher annual limit may provide greater protection against significant veterinary expenses.

Understand Exclusions

Read the exclusions carefully, particularly regarding pre-existing conditions.

Look at Waiting Periods

Know when accident, illness, and other benefits actually become available.

PET INSURANCE CLAIMS

When your pet receives eligible veterinary treatment, the claims process may generally involve:

1. Visit Your Veterinarian
Have your pet examined and treated.

2. Pay for the Veterinary Service
Depending on the insurer and arrangement, you may initially pay the veterinarian.

3. Submit Your Claim
Provide the required claim form, invoice, medical records, or other documentation.

4. The Insurer Reviews the Claim
The insurer determines whether the expense qualifies under the policy.

5. Receive Eligible Reimbursement
If approved, the insurer reimburses the eligible amount according to the policy’s terms.

Claims procedures vary between insurers.

PET INSURANCE & ROUTINE VETERINARY CARE

Regular veterinary care is an important part of responsible pet ownership.

Depending on your pet’s age and needs, routine care may include:

• Annual examinations

• Vaccinations

• Dental care

• Parasite prevention

• Health screenings

• Nutrition monitoring

Some pet insurance policies focus primarily on unexpected accidents and illnesses, while others offer optional wellness benefits.

WHY SECUREWAY INSURANCE?

Choosing pet insurance shouldn’t feel overwhelming.

At SecureWay Insurance, we help pet owners understand the important differences between available coverage options.

We can help you consider:

• Your pet’s needs

• Coverage limits

• Deductibles

• Reimbursement percentages

• Waiting periods

• Exclusions

• Pre-existing conditions

• Optional wellness benefits

Our goal is to help you make a more informed decision about protecting your pet and managing unexpected veterinary expenses.

FREQUENTLY ASKED QUESTIONS

What is pet insurance?

Pet insurance can help reduce the financial impact of eligible unexpected veterinary costs.

Does pet insurance cover pre-existing conditions?

Many pet insurance policies exclude pre-existing conditions. Definitions and exclusions vary by insurer.

Does pet insurance cover vaccinations?

Some standard policies may not cover routine vaccinations, while certain wellness plans or optional benefits may provide coverage.

Does pet insurance cover dental care?

Dental coverage varies. Some policies may cover certain dental illnesses or injuries, while routine dental care may require additional wellness coverage or may be excluded.

Can older pets get pet insurance?

Some insurers offer coverage to older pets, but age restrictions and eligibility requirements vary.

Can I use my own veterinarian?

This depends on the insurer and policy. Some pet insurance plans allow you to visit any licensed veterinarian, while specific arrangements may have different requirements.

Does pet insurance cover emergencies?

Many accident-and-illness plans provide benefits for eligible emergency veterinary treatment resulting from covered conditions.

Can I insure more than one pet?

Depending on the insurer, you may be able to insure multiple pets. Some companies may offer multi-pet discounts or other options.

PROTECT YOUR PET. PREPARE FOR THE UNEXPECTED.

Your pet depends on you for care, comfort, and protection.

While no insurance policy can prevent an accident or illness, the right pet insurance can help make unexpected veterinary expenses easier to manage when covered treatment is needed.

SecureWay Insurance can help you explore pet insurance options designed around your pet and your budget.

Pet insurance coverage, premiums, deductibles, reimbursement percentages, annual limits, waiting periods, exclusions, eligibility requirements, and claim procedures vary by insurer, location, policy, and individual circumstances. This page is for general informational purposes only and does not guarantee coverage or reimbursement. The applicable policy documents control the actual terms of coverage.