What Pet Insurance Covers (And Why More Owners Are Buying It)

As vet costs skyrocket and pet ownership soars, more Americans are turning to pet insurance — but many still don’t understand what it really covers. Here’s what every pet owner should know before the next unexpected trip to the vet.

1. Accidents and Emergencies

Most pet insurance plans cover injuries from accidents — like broken bones, swallowed toys, or bites from other animals. This can save owners thousands in emergency vet bills.

2. Illness Coverage

From chronic conditions like allergies to serious illnesses like cancer or diabetes, illness coverage helps manage ongoing or sudden health issues that aren’t accident-related.

3.