Standard pet insurance coverage typically excludes checkups, vaccinations, and other routine care. Coverage varies widely by provider and plan.

Acquiring the appropriate coverage for your pet requires familiarity with the general types of policies and what they cover.

However, it is also prudent to investigate the specifics of comparable policies from competing providers, as they vary in terms of what is covered and when.

This guide explains what most pet insurance policies cover and don't cover. If you want to know which companies provide the best pet insurance coverage options, keep reading.

Most pet insurance plans cover injuries/accidents, illnesses, surgery, medication, tests/diagnostics, emergency care, and exam fees.

In short, the specifics of your pet insurance policy will depend on the type of coverage you select and the insurance provider you select.

Typically, insurers offer three types of coverage: accident-only coverage, accident and illness coverage, and wellness coverage.

Because specific benefits and restrictions for each option vary by provider, we discuss pet insurance costs separately.

For instance, despite the fact that all of the companies we researched cover hip dysplasia, some impose an age limit on treatment (between 10 and 14 years of age).

Although some insurers offer illness coverage separately, it is far more common to find it packaged with accident coverage.

However, this is only valid in the event that your veterinarian discovers the issue after the policy has already been implemented.

The maximum reimbursement—the percentage of your veterinary bill that the insurance company covers—is usually 90% or less with most pet insurance companies.