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Home > Consumers > Pet Insurance
Pet Insurance
What is pet insurance?

Pet insurance may pay for the reasonable costs of treating covered illnesses or injuries of common pets. Every pet insurance policy is different, so for the specifics of the coverage read the policy. Common coverage includes veterinary fees, advertising and reward fees, kennel fees, loss due to theft or straying and death by illness or injury.

What types of pet(s) can be covered?

It is common to find coverage for all breeds of cats and dogs. Coverage for horses is also common and is normally called equine insurance. It is more difficult to find coverage for animals such as a snakes or monkeys but it may be available.

Can you explain what may be covered under veterinary fees?

Veterinary fees are the most common type of coverage found in pet insurance policies. The insurance company may pay the costs for any medically necessary treatment of your pet for a covered illness or injury. Treatment normally includes office visits, prescription medications, physical therapy or rehabilitative services. Keep in mind not all these treatments are covered on every policy and other treatments may be available. Again, it is important to read your policy for the specific coverage contained within it. You may also want to discuss your policy coverage with your veterinarian prior to receiving treatment.

Can you explain what may be covered under advertising and reward fees?

This coverage may pay for the cost of advertising to find your missing pet and the cost of a reward if your pet is found. Coverage is normally limited to a maximum benefit and there are normally exclusions to this coverage.

Can you explain what may be covered under kennel fees?

Kennel coverage refers to the costs of boarding your pet if you are unable to care them because of an illness. Again, exclusions will apply, so read your policy carefully.

Can you explain what may be covered under loss due to theft or straying?

When your pet has gone missing or has been stolen, loss due to theft or straying will pay a certain amount toward the value of the pet. Some companies will pay a limited amount to adopt a new pet.

Can you explain what may be covered under death?

The company will pay a certain amount toward the value of the pet if it happens to die due to an injury or illness. Also, some companies will pay a limited amount to adopt a new pet.

Don’t I have coverage for my pet though my car insurance?

Some car insurance policies do offer coverage for your pet, but only while the pet is riding in that car, and normally only for injury.

Don’t I have coverage for my pet on my homeowners insurance policy?

No, normally homeowners or renters policy will have exclusions for animals. What a homeowners policy does cover is liability claims caused by your pet. For example if your dog bites someone or your cat scratches someone. But again, there is no coverage for your pet if they get sick or become injury under a homeowners policy.

What are common illnesses or injuries that are covered?

Normally, pets are covered for all illnesses or injuries unless excluded.
What normally isn’t covered (exclusions)?
Exclusions are in every insurance policy, and pet insurance is no exception. Common exclusions include grooming, preventive treatments, routine examinations, experimental procedures and pre-existing conditions. Read your policy for specific exclusions.

Is there a deductible or co-pay? What is the difference?

A pet insurance policy usually has a deductible and co-pay that you must pay. Each policy may have a different deductible and a co-pay amount. For this reason, it is important to read the policy carefully to understand what the company will pay and what you will need to pay.
 
What is a waiting period?

When you buy a policy you may notice on the front page there is a waiting period of 14 days. This simply means the coverage will not start until 14 days after the effective date of the policy. Every policy has a different waiting period, so read your policy carefully.
 

North Dakota Insurance Department
600 E. Boulevard Ave.
Bismarck, ND 58505-0320
Phone 701.328.2440
Toll free 800.247.0560
Fax 701.328.4880

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