Pet Travel Tales

Explore the world with your pet, choosing the right pet travel insurance: a guide for worry-free journeys.

Traveling with our furry friends has become more than just a trend; it’s a way of life for many pet owners. As we pack our bags and plan our itineraries, the well-being of our pets is always at the forefront of our minds. That’s where pet travel insurance comes into play. It’s not just a safety net—it’s peace of mind, ensuring that our adventures with our four-legged companions are as carefree as they are unforgettable.

Exploring the world of pet travel insurance can seem daunting at first, but we’re here to guide you through it. From understanding the basics to choosing the right coverage for your pet, we’ve got you covered. Let’s begin on this journey together, ensuring that our pets are protected, no matter where our travels take us.

Understanding Pet Travel Insurance

When it comes to hitting the road (or skies) with our furry companions, it’s not just about packing their favorite squeaky toy or ensuring they have a cozy spot to snooze. There’s a lot more to consider, especially for those unexpected moments. That’s where pet travel insurance comes in, a lifesaver we didn’t know we needed until, well, we do.

First things first, let’s get a bit of groundwork done. For those of you plotting your next adventure and wondering how to make it as smooth as a hound’s coat, check out our guide on planning a trip with your pet . It’s chock-full of tips to make your trip as memorable for them as it is for you.

So, what’s the deal with pet travel insurance? In the simplest terms, it’s like having a safety net that catches you when the unexpected happens. Whether it’s a sudden illness, an injury, or even if your pet causes damage where you’re staying, pet travel insurance has got your back (and your wallet).

Let’s face it, we all want to avoid being that person who ends up shelling out hundreds, if not thousands, of dollars because Mr. Whiskers decided to eat something he shouldn’t have while exploring a new city. And here’s a fact that might surprise you: Veterinary care abroad can be significantly more expensive than at home. That alone is a compelling reason to consider investing in insurance before jet-setting with your companion.

You might think, “But wait, my pet is healthy as a horse!” That’s fantastic! But, just like us, pets can face unexpected health issues, accidents, or even escape attempts when in unfamiliar territory. It’s not about expecting the worst but being prepared for any situation that might arise.

Choosing the right insurance plan means striking a balance between comprehensive coverage and an affordable premium. It’s about reading the fine print and understanding what’s included and what’s not. After all, the last thing any of us want is to find out too late that our policy doesn’t cover what we assumed it did.

Benefits of Pet Travel Insurance

Let’s be real here—deciding to take our furry friends on trips with us is a bit like choosing to travel with a very cute, somewhat unpredictable toddler. They can go from zero to 100 real quick, either with excitement or with a sudden need for a bathroom break. Just like us, they can fall ill or get injured in the most inconvenient times and places. That’s precisely where pet travel insurance rides in like a knight in shining armor.

First off, financial protection is a game-changer. We’ve all heard the horror stories about friends getting hit with sky-high bills for emergency pet care abroad. It’s not just the unexpected illnesses or injuries; it’s also about those “oops” moments. Picture this: You’re sipping a lovely cappuccino in a Parisian café, and your furry pal decides it’s the perfect time to explore the intricacies of the café’s antique chair collection with their teeth. Yeah, not ideal. With pet travel insurance, we’re talking about coverage that mitigates these financial risks, ensuring that we’re not emptying our savings on these unforeseen events.

But wait, there’s more!

Let’s chat about peace of mind —an elusive state we’re all chasing, especially when travelling with pets. Knowing we’re covered for almost every mishap under the sun (or rain, because, you know, weather is unpredictable too) means we can actually enjoy our travels. We get to explore new places with our four-legged companions without that nagging worry at the back of our mind.

What’s often overlooked but equally crucial is the assistance services part of the deal. Think 24/7 support for finding the nearest vet or pet emergency services in an unfamiliar city. That’s not just a benefit; it’s a lifeline when we’re panicking in a foreign place, trying to communicate in a game of charades gone wrong.

For those of us embarking on this journey for the first time, sorting out the essentials of pet travel can be daunting. That’s why checking out a useful guide on planning a trip with pets can be a lifesaver, offering insights and tips to ensure a smooth journey for us and our furry family members.

Types of Coverage Available

When we’re planning a trip with our furry sidekicks, we’re not just thinking about the sunny selfies or the mountain hikes. Nope, we’re also considering the “what-ifs”. What if Fido decides to explore a cactus up close, or Fluffy develops a taste for exotic bugs? Enter pet travel insurance, the safety net that makes those adventurous escapades less worrisome.

First off, there’s the Basic Health Insurance . It’s like the vanilla ice cream of pet insurance—essential, dependable, and covers your pet’s medical bills for accidents and sudden illnesses. Think of it as a buffer against the unexpected vet visit when your pet decides to eat something they shouldn’t have.

Then, we have Comprehensive Coverage . This is your deluxe package, offering all the perks of basic insurance with added jewels like coverage for hereditary conditions, vaccinations, and even some wellness treatments. It’s for those of us who don’t mind splurging for peace of mind.

But it doesn’t stop there. For the globetrotters among us, there’s Travel-Specific Coverage . This is tailor-made for jet-setting pets, covering everything from lost pet passports to trip cancellations due to pet illness. If your itinerary is as packed as your suitcase, this one’s for you.

Here’s a quick glance at why these coverages are crucial:

We know that planning a trip with pets is no small feat. It’s why a guide on planning your trip with pets could be a lifesaver. It doesn’t just about cover the journey; it’s about ensuring every step of the process is smooth sailing for you and your pet.

So, whether you’re about to begin on a quiet retreat or an adventure of a lifetime, considering the right type of pet travel insurance can make all the difference. It’s about being prepared for the unexpected, ensuring that the journey is enjoyable for both you and your furry friend.

Choosing the Right Plan

Alright, fur-family, let’s jump into the deep end of the pet travel insurance pool. We’re not just splashing around here; we want to make sure every pet parent out there can navigate these waters like a pro. After all, setting off on an adventure with your furry sidekick should be about making memories, not fretting over vet bills should Mr. Whiskers decide to eat something funky or Miss Fido sprains a paw chasing squirrels.

First off, deep breaths – finding the perfect travel insurance for your pet companion doesn’t have to be a puzzle wrapped in a mystery inside an enigma. Remember, you’ve already taken a ginormous leap towards peace of mind by deciding to cover your pet. That’s no small potatoes, and hey, it means more treats for your pet and less sweating for you.

Before we get into the nitty-gritty, have you checked out our guide on planning a stellar trip with your pet ? It’s packed with tips that’ll make this journey smoother than your pet’s coat after a spa day.

Onto the selection process. It’s essential to match the plan to your pet’s lifestyle, not just any plan will do . If your furry friend is an adventurer at heart, always exploring and possibly finding trouble, a comprehensive plan that covers both accidents and illnesses, along with those adventurous mishaps, is your go-to. On the other hand, if your pet is more of a homebody or a senior with a few gray whiskers, focusing on comprehensive or basic health insurance might be more up your alley.

It’s all about the details, folks. Look for what each plan covers and what it doesn’t. Some plans will have you saying “Wow, that’s paw-some!” because they include coverage for hereditary conditions, prescriptions, and even alternative therapies.

What’s the bottom line? Don’t just grab any plan off the shelf. Tailor it, tweak it, make it fit your pet’s needs like that cozy little bed they’ve finally admitted they love. And remember, the goal here is to ensure both of you enjoy that trip without worrying what’s around the bend.

Key Takeaways

  • Pet travel insurance provides a safety net for unexpected illnesses, injuries, or damages caused by pets during travel, offering peace of mind for pet owners.
  • Choosing the right coverage is crucial and involves balancing comprehensive protection with affordable premiums, while also considering the specific needs and lifestyle of the pet.
  • There are different types of coverage available, including Basic Health Insurance for accidents and sudden illnesses, Comprehensive Coverage for a broader range of veterinary care, and Travel-Specific Coverage for issues related to travel such as lost pet passports and trip cancellations.
  • Financial protection is a key benefit of pet travel insurance, helping owners avoid high costs from emergency care or other unforeseen incidents while abroad.
  • Assistance services offered by pet travel insurance, like 24/7 support for finding emergency veterinary care, can be invaluable during stressful situations in unfamiliar locations.
  • Preparation and research are essential for selecting the right pet travel insurance plan, requiring pet owners to assess their pet’s health, behavior, and potential risks when traveling.

Choosing the right pet travel insurance is a crucial step in planning your adventures together. We’ve walked through the importance of tailoring the plan to fit your pet’s unique lifestyle and needs. Remember, it’s all about ensuring peace of mind for you and safety for your furry friend. By understanding the specifics of what each plan offers, you’re setting the stage for countless worry-free trips ahead. Let’s make every journey with our pets as joyful and secure as possible.

Frequently Asked Questions

What is pet travel insurance.

Pet travel insurance is a coverage plan designed to protect pets during travel. It covers unexpected veterinary expenses, accidents, or illnesses that may occur while travelling.

Why is it important to choose a pet travel insurance plan based on my pet’s lifestyle?

Choosing a plan based on your pet’s lifestyle ensures that the coverage meets your pet’s specific needs. Active pets may require different coverage than more laid-back pets to ensure their adventures are worry-free.

What should I consider when selecting a pet travel insurance plan?

Consider the coverage scope, including accident and illness coverage, hereditary conditions, and alternative therapies. Ensure the plan matches your pet’s lifestyle and your travel needs.

Do pet travel insurance plans cover hereditary conditions?

Yes, some pet travel insurance plans do cover hereditary conditions. It’s important to read the plan details carefully to understand what is included.

Are alternative therapies covered under pet travel insurance plans?

Many pet travel insurance plans now cover alternative therapies as part of their coverage. However, coverage can vary, so it’s crucial to check the specific terms and conditions of the plan.

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  • January 20, 2022

Best Pet Travel Insurance

We write our honest reviews but this page may contain affiliate links, with some of the partners mentioned, to support this website.  Read more here

Getting solid health insurance for your fuzzy companion doesn’t quite cover everything that might happen during its lifetime. There are situations that warrant a different kind of approach – a different insurance policy. Holidays and traveling are some of them.

Of course, this should come hardly as a surprise; after all, we humans get both health and travel insurance, so why shouldn’t our pets too?

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Trupanion has a straightforward plan

Read full review

Fetch Pet Insurance

Fetch has a stellar reputation among pet insurance companies.

Different kinds of un-furr-tunate events may occur while we’re abroad with our beloved furry friends. Proper travel insurance should be put in place to help us deal with the financial baggage of such situations, which would only worsen our emotional turmoil.

But this is all rather easy to deduce. What’s more important than enrolling in pet travel insurance is to know how exactly this type of insurance works , what it covers, and which insurance companies out there are the best to go for.

No need to panic – we have an answer to all of these questions.

What does Pet Travel Insurance Cover?

Pet travel insurance covers the expenses for the most common types of mishaps that can take place while you and your companion are abroad. This includes a variety of scenarios. The number of these scenarios also depends on the particular insurance provider and the policy or plan you agreed on.

Still, there are some general types of costs that almost all travel insurance providers cover.

In case your pet gets ill or injured while abroad, the pet travel insurance will cover the veterinary fees exactly like the regular pet health insurance covers vet expenses in your home country.

One thing to note, though, is that the main prerequisite for the insurance cover is that any injury or illness should be sustained abroad. No older injuries, lingering or pre-existing conditions will be covered.

Advertising and Reward for Theft or Loss

In the event that your pet gets lost or stolen, the insurance provider would cover for the advertising and reward in order to help retrieve your pet. However, the reward can only be claimed by a third party, not by you or any other person traveling with you and your pet.

Holiday Cancellation

The pet insurance provider will fully cover the costs for the cancellation of your holiday if your pet is in urgent need of medical treatment, thus preventing you from traveling. The same applies if your pet dies before the scheduled trip, leading to its cancellation.

Emergency Repatriation

If your pet gets ill or injured abroad and has to be immediately brought back to your home country, travel expenses will be covered by the insurance provider.

Similarly, if a pet’s illness leads to a delay of your departure, the insurer will cover all expenses related to accommodation.

Loss of Passport

In case you lose your pet’s passport or healthcare certificate while abroad, the travel insurance can cover the costs for a passport or certificate replacement.

Quarantine Expenses

Suppose your pet develops a condition that would warrant quarantining while abroad, and it’s unable to travel back to your home country. In that case, the travel insurance company will cover expenses related to the quarantine.

Still, as this can be pretty pricey, most companies set a limit of about $2,000. You will have to cover anything above that amount by yourself.

Tapeworm Treatments

If your pet requires repeated tapeworm treatments and your return to your home country is, for some reason, delayed, the insurance provider can cover the costs of these treatments until you get back.

These are the main types of costs covered by travel insurance companies. Yet, not all companies do an equally good job at covering them for a reasonable price. Some stand out.

Pet Travel Insurance Companies: Rating

Out of the numerous pet insurance companies that offer travel insurance for pets (and the less numerous exclusively dealing with travel insurance), we selected the three most popular ones:

An already renowned pet insurance provider, Trupanion does not offer a separate travel insurance plan. It already has one incorporated into the regular pet insurance policies it offers.

Admittedly, it only covers your pet for traveling around the United States, Canada, and Puerto Rico, but considering how you don’t actually have to pay separately, this is as good a deal as they come.

Pet Travel Insurance

A company specifically intended for travel insurance, approved by the IPATA , Pet Travel Insurance is simple and straightforward – you provide basic information on your pet and get a quote. It covers all that needs to be covered for a reasonable price.

Fetch by the Dodo

Fetch is another regular pet insurance provider which additionally offers travel insurance – both as part of its regular insurance packages and separately. Backed by the Pet Travel international company, it can be quite pricey with its quotes but truly allows you to cover all of your pet’s needs while abroad.

Trupanion Cover

Comparing Pet Travel Insurance Plans

All of these insurance policy providers offer completely different coverage plans, so it makes sense that each would cater to a different kind of pet owner. Pet owners looking for a practical option that don’t typically travel outside the US should definitely go for Trupanion, as that’s an overall pet insurance company.

Those preparing for trips outside the US border should contact Pet Travel Insurance. In contrast, those who’re unsure or are looking at several consecutive trips should make up a good travel insurance plan at Fetch.

But what kind of policy options are there?

Pet Travel Insurance Policy

There are two types of insurance policies you could go for: single trip and multi-trip.

  • Single trip policies are constructed in a way to cover your pet for the duration of a single trip with a previously set number of days.
  • Multi-trip policies are made to cover your pet for several trips intended for the coming period.

Most insurers would cover for up to around 90 days per year, but this isn’t fixed. Some don’t limit the number of days, but the number of travels. Based on this, decide whether the single or multi-trip option is suitable for you.

How Pet Travel Insurance Works

It’s quite simple, really; first, you check if your basic pet health insurance covers travel expenses. If not, you find a potential provider, inform them about your pet’s breed, age, sex, and country of residence and ask for a quote.

Once you accept the quote and make an insurance plan, you set it in motion – you travel abroad, and if any undesired event takes place, the travel insurance covers the (majority of the) financial costs for it. That’s it!

Now that we’ve seen and reviewed all of the offered options, we believe that the best one to recommend would be Trupanion.

While not covering trips worldwide, it is, by and large, the most financially affordable option, as you don’t actually have to pay anything extra to get it – it’s already included in the normal pet health insurance.

As long as your pet travels around the US, Canada, or Puerto Rico – it gets the full treatment. You can rest assured that whatever happens, wherever you are, you will be as financially supported by Trupanion as when you’re at home .

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International pet travel insurance.

Pet Travel Insurance

If you’re planning on traveling abroad with your furry friend, it’s important to consider purchasing international pet travel insurance. Just like humans, pets can get sick or injured while traveling, and medical expenses can be quite costly in foreign countries. In this article, we’ll cover everything you need to know about international pet travel insurance, including what it covers, how to choose the right policy, and frequently asked questions.

What Does International Pet Travel Insurance Cover?

Pet Travel Insurance Coverage

International pet travel insurance typically covers unexpected medical expenses related to accidents or illnesses that occur while traveling abroad with your pet. This can include emergency veterinary treatment, hospitalization, and even repatriation if your pet needs to be transported back to your home country for medical treatment. Some policies may also cover third-party liability for property damage or injuries caused by your pet.

How to Choose the Right Policy

Choosing Pet Travel Insurance

When selecting a policy, it’s important to read the fine print and understand what is and isn’t covered. Some policies may have exclusions for pre-existing conditions or certain breeds of pets. You should also consider the cost of the policy, the coverage limits, and the deductible amounts. It’s a good idea to compare multiple policies and get quotes from different insurance providers to find the best option for you and your pet.

If you’re planning on traveling abroad with your pet, purchasing international pet travel insurance is a smart move. It can provide peace of mind knowing that you and your pet are protected in case of unexpected medical expenses while traveling. Be sure to compare policies and read the fine print to find the best option for you and your furry friend.

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Traveling with Pets

Keep your dog or cat safe while traveling.

Safe Travel with Dogs or Cats

Taking your dog or cat along for a family trip can be fun for everyone, but it requires careful planning. Pet-friendly hotels tend to fill up fast, so be sure to book your reservation as soon as possible. Check with the hotel about any pet restrictions or specific rules so that everything goes smoothly on check-in day. It’s a great idea to take your pet for a vet check-up before leaving on a trip. Make sure that all vaccinations are up to date, and ask for copies of the records to keep with you. It’s also important for pets to wear their rabies tags at all times, so make sure you have an up-to-date tag fastened securely on their collar. Pack plenty of food, treats, and water, as well as a travel-friendly food and water bowl for frequent stops.

Remember that pets should always be kept in the backseat of a vehicle: Front-seat airbags can be deadly to pets, so the backseat is a much safer choice. Also, even if your dog enjoys the wind in its face, make sure to keep its head inside the vehicle at all times. Another quick tip is to never leave your pets alone in the car on hot days – remember that even on an 80-degree day, the temperature inside a car can skyrocket to over 100 in just ten minutes! During a car trip, cats should always be confined in carriers for their own safety, and dogs should never be free to roam around the backseat. Loose dogs are very dangerous to themselves and you – in the event of an accident, an 80-pound dog could really do some damage! The safest way for dogs to travel in vehicles is in a crate that has been securely fastened with a seatbelt. If this isn’t an option, or if your dog becomes extremely nervous in crates, you can find bucket-like pet seats with secure buckles for smaller dogs. For larger dogs with crate anxiety, a zipline-like contraption is a great choice – this fastens to the inside roof of your car and hooks onto your dog’s harness so the dog can walk freely from window to window in the backseat while still being secure.

Animal health specialists have determined that air travel is not a safe choice for pets, especially breeds with flattened (or “brachycephalic”) faces like bulldogs, pugs, Persian cats, etc., because they have the most difficulty breathing. The cargo area of airplanes is often susceptible to extreme temperatures, so if you must fly, try to bring your pet along with you in the cabin. Small dogs or cats are usually allowed on board (for a fee), but you will need to call the airline in advance. If your pet must fly in the cargo area, there are a number of precautions you can take to make their experience as safe as possible. It’s also a great idea to get pet insurance and travel insurance prior to your trip. Pet insurance can save thousands of dollars in surprise medical bills if your pet were to get sick or injured while on the road. There are hundreds of pet insurance companies, so choosing the right one can be a daunting task. Remember to ask yourself these important questions while deciding on a plan:

  • Is the company highly rated online? Has it been around for a while?
  • Does the policy cover all conditions: hereditary, chronic, and congenital?
  • Is there a time limit on treatment?
  • Is customer service fast and friendly?
  • Can you choose your own veterinarian (anywhere in the United States)?

Traveling with pets can be a fun, memorable experience, but it is also a big responsibility. It’s important to carefully plan your trip so that your dog or cat has an easy, stress-free journey. A quick visit with your vet and a reservation at a pet-friendly hotel will go a long way in making your trip go as smoothly as possible. Remember – a life with pets is fun and full of surprises! It’s up to you to be as prepared as possible.

Insurance for Travel with Pets

If you want your animal companion to be as well-protected as you are, Trawick International’s Safe Travels Voyager plan has the coverage you want. It will reimburse you for the pet’s return home, medical expenses, and kennel costs on trip delays. In addition, the death of a pet is considered a valid reason for trip cancellation or interruption under this plan. They also offer pet assistance services both before and during your trip.

Check out some of these resources for more information about how to safely travel with your pet:

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Coverage for accidents and illnesses — even when you’ve turned tail and left home

When you and your furry friend need to roam free, your coverage doesn’t need to stay behind:

  • Stay covered when traveling in all 50 states and Washington, D.C.
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How ManyPets pet insurance is different from pet travel insurance

ManyPets offers tremendous insurance for pet travel, but we don’t technically offer pet travel insurance. So what does that mean, exactly?

ManyPets offers pet insurance for accidents and illnesses that remains active while you’re traveling within the 50 US states, Washington, D.C., or Canada for up to 90 days.

Pet travel insurance policies, which are not commonly sold in the US, are designed to cover the risks associated with transporting or traveling with your pet. There’s no such thing as pet travel insurance that covers pet illness and injury if it’s not directly related to the fact that you’re traveling .

The ManyPets pet insurance policy may cover your pet for accidents and illnesses that just so happen to occur while your dog or cat is traveling, even if those conditions are not the direct result of travel-related mishaps.

Why ManyPets pet insurance for traveling with your dogs or cats?

Choose any vet.

— no networks!

No annual or lifetime limits on payouts

for approved claims

Direct deposit reimbursements

straight to your bank account

Covered treatments some companies exclude

including accident/illness exams and treatments for dental disease

How pet insurance claims work when you’re traveling

Visit any vet.

Pick a vet, any vet. No networks, no restrictions.

Claim online

File a claim online anytime during or after your pet's vet visit.

Painless money

Get up to 80% of your vet bill back*

No, really. 80%.

How does ManyPets pet insurance compare to the competition?

Whether you’re snug at home or on the go, it’s crucial to find an insurance plan that meets all your pet’s needs — and yours. Here’s how ManyPets stacks up to the competition:

Comparisons are based on quotes manually taken from each competitor's website in 2022. These are subject to change at any time.

What does pet insurance cover when you’re traveling?

MP_Icon_Percy_Broken_Bone

An unexpected incident or injury, including road accidents and poisonings.

Treatments

Sickness or disease (including hereditary conditions) that isn’t accident-related.

Small dog in blue travel bag

What does pet insurance NOT cover while traveling?

Unless you’re traveling outside the US or Canada, or you’ve been traveling for more than 90 days, coverage exclusions remain the same across all locations. We don’t cover:

Vet care outside the US or Canada

ManyPets pet insurance may cover your pet within any of the 50 US states — or Canada — for up to 90 days. But your pet will not be covered for any vet care outside the US or Canada, so keep that in mind while traveling abroad.

Pre-existing conditions 

These are conditions for which your pet was symptomatic, treated, or diagnosed before your pet insurance policy went into effect or during your waiting period. However, unlike some other companies, ManyPets will no longer consider most conditions to be pre-existing if your pet has been free of symptoms, diagnosis, and treatment for a certain time period — usually 18 months.***

Preventative care

The ManyPets Accident and Illness Policy does not cover routine or preventative care like checkups, dental cleanings, preventative parasite treatments, or supplements. However, the optional ManyPets’ Wellness Plan (a non-insurance plan you may purchase in addition to insurance) is designed to reimburse you for such items. This is particularly important for kittens, who need lots of vaccinations and checkups.

Waiting periods 

This is the brief period, beginning the day your insurance policy becomes effective, when your pet's accidents and illnesses are not yet eligible for coverage. Waiting periods may vary by state due to relevant regulatory rules and changes; always refer to your own state’s policy wording.

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Everything else you may want to know about ManyPets insurance and travel

Does my dog or cat require “pet travel insurance” to receive coverage while traveling within the US or Canada?

Nope! The ManyPets’ Accident and Illness policy covers your pet while you’re traveling within the US or Canada — and also, of course when you’re in your home state. “Pet travel insurance,” which isn’t commonly offered in the US, is solely designed to cover pets for mishaps that are directly associated with traveling.

Does ManyPets pet insurance cover international travel?

When it comes to travel outside of the US, ManyPets pet insurance covers eligible claims for treatment that takes place in Canada (for up to 90 days). However, it does not cover vet care that takes place outside of the US or Canada. 

What are the risks of traveling with a pet?

Travel can always create risks for your pet, whether you’re driving, flying, or taking the train. Stick to safe practices, like keeping your pet out of your car’s front seat or — when permitted — letting them ride with you in an airplane cabin. If traveling does directly result in any injuries or illnesses, your pet may be reimbursed for treatment if there are no pre-existing conditions or other exclusions preventing coverage. 

Can my pet be covered even if treatment takes place in more than one state?

Let’s say you’re on vacation when your car-chasing Chihuahua finds their way into Honolulu’s sunniest emergency clinic. If your furry friend’s recovery regimen ultimately continues under the watchful eye of your vet in Milwaukee, this travel and this use of two vets won’t affect your coverage one way or another. If treatment is eligible for coverage, it will remain eligible across locations.

For how long can I live with my pet in a new location before I have to report a permanent change of residence?

If you know ahead of time that you and your pet will be moving to a new location for more than 90 days, you should report that move right away; ManyPets will consider the move to be permanent after 90 days away. At that point, you’ll only be able to receive coverage in the new location if you’ve updated your address. You can do so by calling our customer support team at 1-888-978-5291 (Mon-Fri: 9am-9pm EST, or Sat: 10am-6pm EST).

What if my pet needs vet care while I’M traveling but they’re still at home?

If you’re away from home and your pet is under the care of a kennel or sitter, you can still submit a claim for veterinary care — even if you’re not the one who took them to the vet. You can then put the money from any approved claims toward reimbursing the individual or organization that initially paid for your pet’s veterinary care.

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*When traveling away from home, ManyPets pet insurance may still cover your pet for up to 90 days if they receive treatment within the 50 US states, Washington, D.C., or Canada. After 90 days, you’re required to update your permanent address in order to maintain coverage in a new location.

**ManyPets analyzes every claim on its own merits, subject to the terms and conditions of your policy. Exclusions apply, including those for pre-existing conditions. Only claims unrelated to an excluded treatment or condition are eligible for coverage.

***Waiting periods and duration before cured conditions cease to be considered pre-existing may vary by state due to relevant regulatory rules and changes; always refer to your own state’s policy wording.

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What Is Pet Travel Insurance?

Delayed and canceled flights create havoc when you travel. Yet, planning changes can be particularly challenging and costly when traveling with pets. Even if you've taken out a travel insurance policy, it only covers costs for your family, not your pet. Taking out a pet travel insurance policy can alleviate additional costs you might incur when travel plans change. So, what is pet travel insurance?

  • Key Takeaways
  • Pet travel insurance helps cover unexpected costs that arise when traveling with pets.
  • Most pet travel insurance policies have mandatory waiting periods.
  • Pet travel insurance may reimburse you for vet visits if your pet gets sick or injured when traveling.

What Does Pet Travel Insurance Typically Cover?

  • See All 17 Items

Pet travel insurance helps cover costs you might incur when traveling with your pet. These policies cover unexpected expenses like vet visits if your pet gets sick or hotel stays if you get delayed.

Pet travel insurance policies are short-term and offer coverage only when you travel. When you take out a travel policy, you usually pay for the costs upfront and then ask for reimbursement from the insurance company.

Many insurers have mandatory waiting periods when taking out a pet insurance policy. Your coverage may not kick in until after the waiting period ends, which can be anywhere from two to 14 days. So, choose a policy far enough ahead of your trip to avoid coverage delays. 

Basic policies cover emergency costs, such as vet visits or quarantine fees. You can also find comprehensive policies that offer more extensive travel coverage, such as third-party liability and pet loss. 

Trip Interruption

If you must cut your trip short because your pet gets hurt or sick or you have changed plans, pet travel insurance may reimburse you for nonrefundable flights or hotel stays. 

Trip Cancellation

Pet travel insurance may reimburse you for what you’ve paid for your flight, hotel and other related expenses if you must cancel your trip. 

Transportation Delays

You might need to make alternate travel arrangements if your flight is delayed or canceled. Pet travel insurance can help cover these additional expenses if you need to stay overnight, book a different flight or secure temporary accommodation for your pet. 

Veterinary Expenses

Seeing a veterinarian can be costly if your pet gets sick or hurt during your trip. Pet travel insurance helps cover costs for pet examinations, surgery, medication or overnight stays. 

Third-Party Liability

Even the most well-behaved pets can cause damage. Some pet travel policies come with liability coverage, which might cover the costs you incur if your pet injures someone or damages property. 

Lost or Stolen Pet

When you travel, your pet could be lost or stolen. You might incur costs searching for your lost or stolen pet. A travel policy might reimburse you for these costs. Additionally, you could be compensated for the value of your pet if it cannot be found. 

What Is Not Covered?

Pet travel insurance doesn’t cover broader health needs your pet might have. Instead, the coverage only extends to costs incurred because of travel-related issues.

Pet travel insurance usually doesn’t cover business or commercial transportation. You likely won't have coverage under travel insurance when transporting your pet for breeding, professional training, or exhibition purposes, like a pet show. Instead, you may need to seek a specialized insurance policy for these activities. 

How Much Does Pet Travel Insurance Cost? 

Premiums for pet travel insurance vary based on the coverage selected and your pet's health and age. Depending on these factors, you could pay between $20 and $100 per month for pet travel insurance. 

Does Your Travel Insurance Cover Pets?

Your travel insurance protects you and your family when traveling. Your travel insurance policy covers travel-related expenses, like rebooked flights or lost belongings. However, your travel insurance policy won’t cover your pet. However, your travel insurance policy may offer optional “Cancel For Any Reason” (CAFR) coverage. With CAFR, you could have coverage to cancel your trip for pet-related reasons. 

Pet Travel Insurance vs. Pet Health Insurance 

While both policies protect your pets, they offer vastly different coverage. Pet travel insurance applies to what happens when taking your pet on a trip. The policy covers costs you might incur if your pet gets sick or hurt or your travel plans get pushed back or canceled. You usually pay out of pocket for pet-related costs and then submit a reimbursement with travel insurance.

Pet health insurance covers your pet's health care needs. These policies often cover vet visits, medication, and surgery. A pet health care policy remains effective if you pay the monthly or annual premiums. Many policies have deductibles that vary based on coverage and service. Some health policies offer care and travel cancellation costs if your pet gets hurt or sick while taking a trip. 

Is Pet Travel Insurance Worth It?

Pet travel insurance can be a worthwhile investment if it suits your financial situation. Here are a few helpful factors to consider before you take out a pet travel insurance policy.

  • Coverage limits: Policies often have different payouts based on specific situations. The maximum amount you could recover may vary if you need emergency lodging or your pet gets sick.
  • Preexisting conditions : Some policies won’t cover costs resulting from a pet’s preexisting condition.
  • Exclusions: Some policies exclude certain breeds from coverage. The policy may not cover your pet if it's older or has a specific medical condition.
  • Reimbursement process: Pet travel insurance reimburses you for unexpected travel costs. Since you pay these costs out of pocket, knowing how to get reimbursed and how long it takes to get your money is important. 

Compare Pet Travel Insurance

Pet insurance policies come with different coverage options and exclusions. Finding the right pet policy to suit your needs may seem overwhelming. To help narrow your search, we've compared some of the best pet insurance companies based on coverage, emergency treatment and travel. 

Faye Travel Insurance

This provides a broad overview of your policy provisions and does not revise or amend the policy. Insurance coverages are underwritten by Arch Insurance Company, NAIC #11150, under policy series LTP 2013 and amendments thereto. Plans are offered and disseminated by registered travel retailers on behalf of Arch Insurance Solutions Inc., a licensed travel insurance producer* (CA License #0I18111, TX License #1787195). Both the travel insurance producer and the underwriter referenced above may be reached at 1-844-872-4163. Your policy is the contract that specifically and fully describes your coverage. Certain terms, conditions, restrictions and exclusions apply and coverages may vary in certain states. Please refer to your policy for detailed terms and conditions. Consumer Disclosures can be found at: https://www.roamright.com/disclosures/. Privacy policy can be found at: https://www.roamright.com/roamright-website-privacy-policy/ *Plans are solicited by licensed producers in NY and HI. 

Travelex

Get Peace of Mind with Pet Travel Insurance

Pet travel insurance can bring peace of mind when taking a trip with your pet. Yet before you invest in insurance for your pet’s travel, be sure to compare coverage from multiple insurers and check the fine print for any coverage exclusions. 

Frequently Asked Questions 

Can i add pet travel insurance to my existing pet insurance policy.

Depending on your insurer, you can add pet travel insurance to an existing pet policy.

Can I buy pet travel insurance if my pet has a preexisting condition?

Whether you can buy a pet travel insurance policy when your pet has a preexisting condition depends on what the insurance company allows. Even if you can purchase pet travel insurance, you should become familiar with its exclusions to ensure your pet is covered with a preexisting condition. 

Is pet travel insurance available for international travel?

While you might find a policy that covers international travel, most pet travel insurance coverage is limited to the United States. Policies that cover international travel are often limited to certain countries.

How Travel Insurance For Pets = A Stress-Free Vacation

Heading abroad with your furry friend this summer? Discover the benefits of pet travel insurance - and how it can be your safety net against unexpected vet bills.

It’s no fun leaving your dog or cat in the care of a pet-sitter or at a kennel when you go on holiday. But traveling can be full of surprises, especially if you’re heading abroad or relocating overseas with your pet (or pets). So with all the paperwork and health concerns involved, you might’ve wondered if travel insurance for pets is a good idea.

Well, in a nutshell: if you’ve invested in a solid travel insurance policy, it’s your key to 100% peace of mind when your pet’s health is involved. Your dog or cat will continue to get expert care while you travel together – without forcing you to drain your bank account to pay vet fees.

So here’s how pet travel insurance works – and why you should consider it before your next vacation. Let’s get started.

Table of contents

  • What is pet travel insurance?

What does pet travel insurance cover?

  • Pet insurance for longer trips abroad

Is pet travel insurance a legal requirement?

  • What affects the cost?

What should I look for in a pet travel insurance policy?

  • Does pet travel insurance cover illness?

Should I get a single-trip or multi-trip pet travel insurance policy?

  • Pet travel insurance helps you have a relaxing trip with your furry friend

What’s pet travel insurance?

Pet travel insurance provides you a financial safety net if your pet is accidentally injured, goes missing, or is quarantined while you’re traveling abroad together. It’s your reassurance that your buddy will get the professional, urgent treatment they need if an accident or injury occurs when you’re both away from home.

You can’t buy stand-alone pet travel insurance. It’s usually included in your existing pet insurance policy , or purchased as an extra add-on to your policy.

Read more : How Does Pet Insurance Work? A ‘Paw by Paw’ Breakdown

Imagine you’re relaxing by the pool at your seaside villa, while your dog is exploring the garden. Suddenly, your pup is yelping in pain. Is it a bee sting? Did they eat a toxic plant ? Should you rush to the local veterinarian?

With pet travel insurance, you won’t need to think twice about getting your pet the emergency care they need . You know that your pet travel insurance policy will help cover the vet fees. (Even during your extended overseas travel or holiday.)

💡With Tractive Pet Cover , your pet insurance policy includes temporary travel to countries that are included in the Pet Travel Scheme or are part of the Common Travel Area . It also includes return home without having to put your pet into quarantine. For more information, check out the official DEFRA website.

Most pet travel insurance policies cover for:

  • Overseas vet fees: Coverin the cost of treatment for illness or injury while traveling abroad.
  • Quarantine costs: In some cases, your pet may become ill and needs to be quarantined before returning home. Pet travel insurance can help cover this cost. (Which can be significant.) Even if you lose your pet’s travel documents, they might need quarantining too.
  • Loss of travel documents: If you lose or misplace your pet’s travel documents, your policy may help cover the costs to replace them.
  • Emergency expenses abroad: If your pet goes missing or is lost, your pet insurance policy may help cover these expenses and other fees, such as transportation. All this to get your pet home after an illness or injury.
  • Trip cancellation: Your pet insurance policy may reimburse some costs if you must cancel or shorten your holiday due to your pet’s illness or injury. (Especially if it’s a life-threatening case requiring treatment.)

💡With Tractive Pet Cover , your quarantine expenses are covered up to £1,000 each policy term. You’re also covered up to covered up to £250 for the loss of your pet’s documentation.

When might this work? Well, for example, you might need to quarantine your pet if:

  • You lose their travel documents (or they get stolen)
  • Their microchip fails
  • Your pet falls ill

And rather than finding this out the hard way, it’s always smart to plan ahead for an emergency. (The peace of mind alone is 100% worth it. )

Discover Tractive Pet Cover

⚠️ Just remember: every dog insurance or cat insurance policy is different. The type of cover offered by various insurance companies can vary.

So it’s important to read your policy documents carefully, including the fine print, so you can avoid any surprises when you need to use the policy’s benefits or make a claim while traveling.

What about pet insurance for longer trips abroad ?

Most pet travel insurance policies are in effect for set time periods , usually about 60 days per year. 

💡For example, with Tractive Pet Cover , your pet is covered abroad up to 30 days per trip with an overall total of 60 days a year to travel abroad.

Pet travel insurance is not a legal requirement when taking your pet abroad on holiday, or when relocating to a different country.

But as we’ve found out, pet parents around the world think it’s worth investing in. Why? Simply because of the peace of mind from knowing your dog or cat can receive the care they need should the worst happen on vacation.

So just to recap: you aren’t legally obliged to have either pet travel insurance nor a pet passport for travel . In fact, you can no longer use pet passports issued in Great Britain to travel to the European Union (EU) or Northern Ireland.

But at the same time, you do want to avoid having to put your pet in quarantine when traveling between two countries.

Quarantines are enforced because your pet may be carrying a disease and authorities want to keep animal diseases out of the country you are visiting. These periods may be many days or weeks long and you must pay to have your pet quarantined.

How can I avoid quarantining my pet while traveling?

To avoid quarantine completely, you can show that your pet is healthy and up to date on vaccinations by participating in the Pet Travel Scheme (PETS) . This allows pet dogs, cats, and ferrets who meet certain requirements to be taken in and out of participating countries, including the UK, without having to be quarantined.

To be eligible for the Pet Travel Scheme, your pet needs:

  • A microchip
  • An up-to-date rabies vaccination
  • An Animal Health Certificate
  • To have undergone flea, tick, and tapeworm treatment with an official certificate as proof.

What is the Animal Health Certificate?

The Animal Health Certificate is a document you can acquire from your vets. It means you can take your pet into most countries in the EU and back to the UK without quarantine. Once issued, your pet’s animal health certificate will be valid after the date of issue for:

  • 10 days for entry into the EU or Northern Ireland
  • 4 months for onward travel within the EU
  • 4 months for re-entry to Great Britain

⚠️ Just remember: your pet will need a new animal health certificate for each trip to an EU country or Northern Ireland from Great Britain.

Talk to your veterinarian about meeting the requirements for the Pet Travel Scheme and the Animal Health Certificate. In most cases, your dog or cat will need to get their vaccinations at least 21 days prior to the start of your trip , so plan accordingly.

What affects the cost of travel insurance for pets?

Several factors can affect the cost of your pet travel insurance.

  • Some dog breeds may cost more to insure, especially if they are prone to genetic medical conditions.
  • Older pets may be more expensive to cover, or your insurer may not provide any type of cover for them due to their age. 
  • Pets with pre-existing conditions may not be covered for their medical condition. 

But depending on your insurance policy, pet travel insurance may not cost you anything extra – it may already be included in your pet health insurance policy . Make sure to read your pet health insurance policy carefully to see if pet travel cover is included.

💡 If your policy does not cover pet travel, you may be able to buy this as an extra add-on to your pet health insurance policy.

Just make sure to always compare pet travel insurance policies carefully to make sure they fit with your cover requirements and your budget.

It’s important to know exactly what’s in your pet travel insurance policy. You do want it to cover your pet’s needs and fit with your travel plans. Here are some items to check within your policy:

  • Which countries are included in the cover?
  • What is the maximum amount of money that can be paid out for a claim?
  • What type of situations are covered , such as accidents or illnesses?
  • What age will the policy cover your pet up to? 
  • Are pre-existing conditions excluded? Are there other exclusions ?
  • How many weeks or months will the cover last when you are abroad?

If you already have pet health insurance for your pet, you may already have cover for some of these situations. Read your policy carefully before you head off on your holiday.

💡For example, with Tractive Pet Cover , cover abroad is included in any country in the PETS Travel Scheme, the Channel Islands, or Isle of Man.

Does pet travel insurance cover illness ?

Most pet travel insurance policies cover medical treatment for illnesses that your pet may contract while you are traveling.

But in some situations, such as if your pet becomes ill before you depart, may not be covered if you decide to cancel your trip. Each policy is different, so make sure you know exactly what is covered before you buy the policy.

💡With Tractive Pet Cover , your holiday cancellation cover is up to £2,000 each policy term if you cancel your holiday within 7 days of departure or come home early because your pet needs emergency lifesaving treatment or life-saving surgery.

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If you and your pets are frequent travelers, you might investigate buying multi-trip pet cover . This may be a cost-effective alternative to buying a one-time policy for each trip, especially if they occur within a short time period. 

💡With Tractive Pet Cover , there are an unlimited amount of trips abroad you can make per year. But the trip is covered up to 30 days, and up to 60 days abroad a year in total.

Travel stress-free with a solid pet insurance policy

You want to enjoy your holiday with your pet and spend money on what brings you joy – not vet bills! Take away one source of worry by ensuring you have pet travel insurance before you leave on holiday. You’ll get to enjoy the company of your dog or cat without stressing about unexpected bills.

💡With Tractive Pet Cover , not only are you covered abroad, but you’re covered at home for vet bills up to £9k (depending on your policy limit), complementary treatments and boarding fees. Plus 24/7 vet access via video from the team at FirstVet.

This post was written by Frank Speight, a veteran of the insurance industry, who’s worked in financial services for more than 30 years across Europe and Asia. Besides negotiating the best possible insurance products for pet parents, he’s also dad to two Golden Retrievers – who have a larger following on Instagram than him!

When he’s not busy with Tractive Pet Cover, you can find him walking his dogs on the beach, managing their social media accounts, or playing the guitar.

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Pet Travel Insurance vs. Pet Health Insurance: What’s the Difference?

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Hi PetRelocation! I am curious if pet insurance is recommended/commonplace during the import/export process. Can you recommend good coverage? Are there any websites out there with more details? Thank you! -Laura

Pet Travel Insurance

On the other hand, pet travel insurance is specifically designed to cover risks associated with traveling with your pet. This can include coverage for costs incurred due to travel delays, cancellations, lost or delayed pets, and even some medical emergencies that occur while your pet is in transit. For example, pet travel insurance could cover if your pet is scheduled to fly from San Francisco to London on United Airlines Flight UA 733, departing at 13:00 on 11 June 2023 and arriving at 16:45 on the same day the costs if there are any unexpected delays or cancellations.

However, it's important to note that pet travel insurance typically only covers incidents related to the travel itself and not broader health issues your pet may experience. It's also usually a one-time or short-term coverage for the travel duration.

Pet Health Insurance

Pet health insurance typically covers veterinary costs associated with your pet's illness or injury. This can include everything from routine check-ups and vaccinations to surgery and other medical treatments. It's more of a long-term coverage that ensures your pet's health needs are cared for, no matter where you are.

Most pet health insurance plans offer various coverage levels, from basic plans that cover accidents and illness to comprehensive plans that include wellness care. However, pet health insurance does not cover the costs related to travel or potential issues that may arise during travel, such as lost or delayed pets.

Use these as starting points for further pet health insurance research, do a few Google searches, talk to your vet, and check out Pet Insurance Review , which offers ratings and client reviews for pet insurance programs.  

Choosing the Right Insurance for Your Pet

When choosing the right insurance for your pet, it's essential to consider your pet's specific needs, travel plans, and what each type of insurance covers. If you frequently travel with your pet or plan a significant relocation, pet travel insurance might be worth considering. However, pet health insurance is the go-to option for overall health coverage.

Remember, it's crucial to read the fine print of any insurance policy to understand what is and isn't covered. Always consult with your pet relocation consultant or insurance provider to ensure you make the best decision for your pet.  Here are a few of the frequently asked questions:

  • How much does pet travel insurance cost?  The cost of pet travel insurance varies depending on the company, the type of coverage you choose, and the age and health of your pet. However, you can expect to pay anywhere from $20 to $100 monthly for pet travel insurance.
  • How much does pet health insurance cost?  The cost of pet health insurance also varies depending on the company, the type of coverage you choose, and the age and health of your pet. However, you can expect to pay anywhere from $10 to $50 monthly for pet health insurance.
  • What are some of the benefits of pet travel insurance?  Pet travel insurance can help you cover the costs of unexpected medical care, lost or stolen luggage, and other travel-related expenses. This can give you peace of mind when you're traveling with your pet.
  • What are some of the benefits of pet health insurance?  Pet health insurance can help you cover the costs of routine and unexpected veterinary care. This can save you money in the long run, especially if your pet has a pre-existing condition.

Need help arranging your pet shipping logistics for an upcoming move? Contact us to speak to a pet travel consultant.

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How to insure your pet to travel abroad

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If you want to take your pet with you on holiday you should make sure they are properly insured. Here is how to find pet insurance that covers your pet abroad.

dog-and-family-on-beach

You no longer have to put your beloved pet into kennels or a cattery when you go on holiday as many places will let you bring them along too. If it’s not a holiday, and you’re travelling or moving to another country, you can also bring your furry friend although there are strict rules to follow.

You’ll need to check if your pet needs their own passport, any extra vaccinations and if they will need to be quarantined for the trip. Insurance is also key and will save you a lot in vet fees if your pet becomes ill or injured. 

What is pet travel insurance?

It is an extension of pet insurance that can be added to cover trips abroad. Some pet insurance policies include overseas cover as standard, but with others, it's an optional extra you’ll need to pay for.

GOV.UK — Pet travel: entering and returning to the UK

What does it cover?

Every policy varies but you’ll usually get some of the same cover as you do in the UK:

Vet fees: You will have the same level of cover as you would at home, but you will only be covered if your pet was in good health before you went away.

Advertising and reward: You must report your pet lost in the country they go missing. Insurers will not pay a reward claimed by anyone travelling with you.

Holiday cancellation cover: This covers you if you cancel your trip or cut it short because your pet dies, or needs emergency treatment and can no longer travel.

You also get extra benefits specific to travelling abroad with your pet:

Quarantine costs: This covers the cost of quarantine kennelling if your pet is unable to travel due to illness, as long as you have complied with the regulations for the country you’re visiting. Most policies cover quarantine costs up to £1,500.

Repeat tapeworm treatment: You can claim the cost of your pet getting repeat tapeworm treatment while abroad if you have to stay longer because your departure back to the UK is delayed.

Emergency repatriation: This covers the extra cost of getting your pet home if they are ill or injured while you are away. You can also claim for the cost of accommodation if your departure is delayed because your pet is too ill to travel.

Loss of your pet's passport: Your insurer can pay the cost of replacing your pet's passport or healthcare certificate if you lose it while on your trip.

Here is what is covered under a pet insurance policy

How long is your pet covered for?

This varies between insurers, but most will cover your pet for a maximum of 90 days overseas per year.

Some only allow a certain number of trips each year, for example, a maximum of three trips which last no longer than 28 days each.

Pet passports

You can no longer use a pet passport issued in Great Britain for travel to an EU country.

To travel within the EU - or Northern Ireland - your pets (including guide dogs) must have an animal health certificate (AHC) to confirm that they are microchipped and vaccinated against rabies. The certificate should be issued by your pet's vet.

Your pet will need a new AHC each time they travel, and you will need to apply for one at least 10 days before you leave.

The certificate will be valid for four months, but only for one trip.

When you arrive in the EU you will need to enter through a travellers' point of entry , where your pet will undergo documentary and identity checks by the local authorities.

How to find the right pet travel cover

If you already have a pet insurance policy, check to see if overseas travel is covered as standard. If not, contact your insurer to see if you can add it as an extra benefit.

It’s well worth shopping around to make sure you find a policy that suits your pet but also one at an affordable price.

You should look at the following:

What each policy covers when you are travelling with your pet

The countries included

How much the policy limits are

Any exclusions that could prevent the insurer paying out

Which policy offers the right cover at the best price

Make sure the policy you choose also gives all the cover you need at home. Here is everything you need to know about pet insurance , including what it should cover.

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Pet Travel Insurance: Do You Really Need It?

Table of contents.

Planning a trip with your furry companion can be an exciting adventure, but it’s essential to consider their safety and well-being during travel. One way to provide an extra layer of protection for your pet is through  pet travel insurance . In this blog post, we’ll delve into the benefits of pet travel insurance, when it’s essential, what it typically covers, and what factors to consider when choosing a policy.

Pet travel insurance - do you need it

The Benefits of Pet Travel Insurance

Emergency medical expenses coverage.

Just like humans, pets can unexpectedly fall ill or get injured while traveling. Pet travel insurance can cover emergency medical expenses, including veterinary visits, medications, and even surgery. This coverage ensures that your pet receives the necessary medical attention without causing financial strain.

Trip Interruption and Cancellation Coverage

Life is unpredictable, and travel plans can sometimes change due to unforeseen circumstances. Pet travel insurance often includes trip interruption and cancellation coverage. If your trip is cut short or canceled due to reasons such as a family emergency, you can receive reimbursement for non-refundable expenses.

Lost or Stolen Pet Coverage

Losing a pet in an unfamiliar location can be distressing. Some pet travel insurance policies offer coverage for advertising and reward expenses to help reunite you with your lost furry friend. Additionally, coverage for stolen pets can offer peace of mind in case the unthinkable happens.

The benefits of pet travel insurance

When is Pet Travel Insurance Essential?

Long-distance travel.

If you’re embarking on a long-distance journey, especially by air or sea, pet travel insurance is strongly recommended. These modes of transportation involve various risks and uncertainties, making insurance coverage crucial to ensure your pet’s safety and well-being.

International Travel

When traveling across borders, you may encounter different regulations and requirements for pets. Pet travel insurance can help cover the costs associated with meeting these requirements, including vaccinations, microchipping, and documentation.

Pets with Pre-existing Conditions

If your pet has pre-existing medical conditions, having insurance can provide peace of mind knowing that any unexpected medical expenses related to their condition will be covered.

When is Pet Travel Insurance Essential?

Understanding Coverage and Choosing the Right Policy

Pet travel insurance policies can vary widely in terms of coverage and cost. Here’s what you should typically look for in a policy:

Medical Coverage

Ensure that the policy covers a range of medical expenses, including accidents, illnesses, and emergencies. Check if routine care, vaccinations, and pre-existing conditions are covered.

Travel-related Coverage

Look for coverage related to trip cancellations, delays, lost baggage, and accommodations if your travel plans are disrupted.

Geographical Coverage

If you’re traveling internationally, confirm that the policy extends coverage to the destination country and covers any necessary quarantine expenses.

Limits and Deductibles

Understand the limits on coverage and any deductibles you’ll need to pay out of pocket.

Reputation of the Provider

Choose a reputable insurance provider with a history of excellent customer service and reliable claims processing.

Understanding Coverage and Choosing the Right Policy

Pet travel insurance offers invaluable protection for your beloved furry friend during your journeys. Whether you’re planning a vacation or moving across the globe, having the right insurance coverage ensures that your pet’s health and well-being are a top priority. Evaluate your pet’s needs, travel plans, and the coverage options available to select a policy that provides the peace of mind you deserve.

Contact Relopet International

For seamless and stress-free pet transportation services, rely on  Relopet International . We understand the importance of your pet’s safety and comfort, and our expertise ensures a smooth travel experience for both you and your furry companion. Contact us today to learn more about our services.

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Costs of Animal Health Certificates for International Pet Travel 🌍🐾

Embarking on an adventure with your furry friend? 🐕✈️ Whether you’re relocating or just exploring new frontiers, understanding the ins and outs of obtaining an Animal Health Certificate (AHC) for international pet travel is crucial.

Understanding the Basics: What is an Animal Health Certificate? 📜🔍

An Animal Health Certificate is a vital document that certifies your pet’s health and vaccination status, required for traveling abroad. It confirms your pet is free from contagious diseases and meets the entry requirements of your destination country.

Costs Breakdown: The Financial Side of Pet Travel 📊💸

Initial veterinary appointment 🏥💰.

The Starting Line:

  • Cost: Approximately $300
  • Details: This fee covers the basic cost of the International Health Certificate appointment with your vet. It’s the first step in preparing your pet for international travel, ensuring they are healthy and fit to fly.

USDA Endorsement Fees 🇺🇸✅

The Seal of Approval:

  • Factors Affecting Cost: Destination country and the need for diagnostic testing review. This fee also encompasses the USDA endorsement, a crucial stamp of approval for your pet’s paperwork.

APHIS Endorsement Costs 📑💲

Detailed Endorsement Fees:

  • For any number of laboratory tests: $38.00 per certificate
  • One pet with 1-2 tests: $121.00 (+ $7.00 for each additional pet)
  • One pet with 3-6 tests: $150.00 (+ $12.00 for each additional pet)
  • Note: Vaccines are not considered tests for fee calculation. The fee for a single pet applies per certificate in countries restricting multiple pets per certificate.

Key Takeaways 🗝️✈️

  • Plan Ahead: Start the process early to avoid any last-minute surprises or additional costs.
  • Check Destination Requirements: Health requirements can vary significantly by country. Always check the specific requirements for your destination.
  • Budget Accordingly: The costs can add up, especially if you have multiple pets or if your destination requires extensive testing.

Embarking on international travel with your pet can be a rewarding experience, but it requires careful planning and budgeting. By understanding the costs involved in obtaining an Animal Health Certificate, you can ensure a smoother journey for you and your furry companion. Safe travels! 🌐🐾

FAQs: Navigating the Maze of International Pet Travel Costs 🧭🐾

How can i minimize the costs of an animal health certificate 🛠️💡.

Strategic Planning & Budgeting: To trim the expenses associated with securing an Animal Health Certificate, consider the following tactics:

  • Early Preparation: Begin your pet’s health certification process well in advance. This allows for the consolidation of vet visits, potentially reducing the number of appointments and associated fees.
  • Seek Bundled Services: Some veterinary clinics offer packages that bundle the health certificate process with other necessary services, such as vaccinations and microchipping, at a discounted rate.
  • Compare USDA Endorsement Methods: Opting for digital submission through the VEHCS system can be cost-effective, depending on the complexity of your pet’s health certificate. Assess both the digital and manual submission fees to choose the most economical option.

Are There Any Hidden Fees I Should Be Aware Of? 🕵️‍♂️🚫

Anticipating Unexpected Costs: Hidden fees can catch pet owners off guard. Here’s what to watch out for:

  • Quarantine Costs: Some countries require incoming pets to undergo quarantine. The duration and cost can vary, potentially adding a significant expense to your budget.
  • Travel Crates: Airlines have specific requirements for pet travel crates. Ensuring your pet’s crate meets these standards might require purchasing a new one, which can be costly.
  • Emergency Health Care: If your pet requires unexpected treatments or tests before departure, these can inflate your planned budget. Always allocate a contingency fund for such scenarios.

How Do Country-Specific Requirements Impact Costs? 🌏📈

Navigating Variable Regulations: The destination country’s specific health requirements can significantly influence the overall cost:

  • Rabies-Free Countries: Islands and nations that maintain a rabies-free status often have stringent entry requirements for pets, including extended quarantine periods and additional health tests, driving up costs.
  • Multiple Pets: Regulations on the number of pets that can be included on a single health certificate vary. In countries where each pet must have its own certificate, costs can multiply quickly.
  • Seasonal Variations: Certain countries impose seasonal restrictions on pet travel, which can affect the availability and cost of flights and veterinary services.

What Role Do Airlines Play in Health Certificate Costs? ✈️📋

Airline Policies & Additional Fees: Airlines themselves can influence the cost and complexity of traveling with pets:

  • Airline-Specific Health Forms: Some airlines require their own health forms in addition to the standard Animal Health Certificate, potentially necessitating additional vet appointments.
  • Pet Cargo Fees: The cost to fly your pet can vary widely between airlines and is influenced by the size of your pet and the travel distance. Reviewing these fees in advance can help manage your budget effectively.
  • Temperature Restrictions: Airlines may have temperature restrictions for pet travel, which could limit flight options and lead to higher costs for rebooking or changing travel dates.

Comment 1: Can I get the AHC process expedited if my travel is urgent? 🚀

Absolutely, while the AHC process does follow a standard timeline, there are ways to expedite the process for those urgent, cannot-wait situations. The key lies in clear communication with your veterinarian and, when applicable, direct engagement with the USDA’s APHIS Veterinary Services office. Start by informing your vet of your tight timeline during your initial appointment. Some clinics offer expedited services for an additional fee, ensuring your pet’s paperwork is prioritized.

When it comes to the USDA endorsement part of the process, utilizing the VEHCS system for digital submission can significantly cut down wait times. However, should your situation require even faster processing, contacting the USDA APHIS office directly to explain your circumstances may lead to expedited review and endorsement of your pet’s health certificate. Keep in mind, though, that this is not guaranteed and may depend on the specific office’s workload and policies.

Comment 2: Are there any ways to reduce the costs associated with obtaining an AHC? 💡🐾

Cost-saving strategies can indeed make a significant difference in managing the overall expenses of securing an Animal Health Certificate. Firstly, researching and choosing a veterinarian experienced in international pet travel can save both time and money. These vets are more likely to be familiar with the precise requirements for your destination country, potentially reducing the need for repeat visits or unnecessary tests.

Another approach is to carefully plan your pet’s vaccinations and treatments in alignment with the AHC requirements. This foresight can avoid the need for last-minute interventions, which often come at a premium. Additionally, some countries have reciprocal agreements that might simplify or reduce the need for certain tests, so it’s worth investigating if your destination country has such arrangements.

Lastly, joining pet travel forums or communities can provide insider tips and advice on managing costs. Members often share their experiences and recommendations for affordable yet reliable services, from vet clinics to pet relocation services.

Comment 3: What happens if my pet fails a required test for the AHC? 😟🐕

If your pet fails a required test, it’s crucial not to panic. First, consult with your veterinarian to understand the implications of the failed test and discuss the next steps. Depending on the nature of the failure, there may be treatments or interventions available to address the issue.

After treatment, your pet will likely need to undergo a waiting period followed by retesting to ensure they now meet the health requirements for your destination country. It’s essential to factor in this additional time when planning your travel.

Keep in mind that some conditions may require a more extended treatment period or might even disqualify your pet from traveling to certain destinations due to strict import regulations. In such cases, exploring alternative destinations or postponing your travel plans might be necessary.

Comment 4: Is pet insurance worth considering for international travel? 🌎🐱

Pet insurance can be a prudent investment, especially when embarking on international travel. Policies that cover international vet visits, emergency treatments, and even repatriation can offer peace of mind and financial protection against unexpected medical expenses while abroad.

Before purchasing a policy, scrutinize the terms to ensure it covers your destination and meets your pet’s needs. Some insurance plans offer travel-specific coverage that includes quarantine costs and trip cancellation due to pet illness. Remember, the goal is to find a balance between comprehensive coverage and affordable premiums.

Comment 5: How often do health certificate requirements change for different countries? 🔄🌍

Health certificate requirements for pet travel are subject to change, often in response to emerging health threats or changes in country-specific regulations. These adjustments can happen with little notice, making it essential for pet owners to stay informed throughout the planning process.

Regularly checking the official websites of the relevant animal health authorities in both your home and destination countries is advisable. The USDA’s APHIS website is a valuable resource for updates regarding U.S. pet travel regulations, while destination country embassies or consulates can provide the most current entry requirements.

Additionally, maintaining open lines of communication with your veterinarian, who is likely to be updated on the latest health certification requirements, can help ensure that you’re always one step ahead in the preparation process.

Comment 6: “Why is there such a huge price range for the USDA endorsement via VEHCS? It seems quite variable.”

Understanding the VEHCS Price Variance: The cost variation in the USDA’s Veterinary Export Health Certification System (VEHCS) largely stems from the diverse health requirements set by destination countries and the complexity of the required documentation. For instance, countries with stringent import regulations for pets may necessitate extensive diagnostic testing and a thorough review process, thereby increasing the cost. The fee range accounts for the level of scrutiny needed for each application, reflecting the time and resources expended by USDA to ensure compliance with international standards. Additionally, whether your pet needs a basic health examination or more complex tests like rabies titer tests can significantly affect the total cost. Each step of this process is tailored to meet both the safety standards of the importing country and to protect public health, justifying the fee variability.

Comment 7: “Can I skip some tests to reduce the cost, or are all tests mandatory?”

Navigating Mandatory and Optional Tests: The necessity of each test is directly tied to the specific requirements of your destination country. Mandatory tests are non-negotiable and must be completed to comply with international regulations regarding pet travel. These are often designed to prevent the spread of diseases such as rabies or parasites. However, identifying optional tests requires a careful review of your destination’s import regulations. Consulting with your veterinarian and referencing official guidelines provided by the USDA and the destination country’s regulatory body is crucial. Skipping required tests is not advisable as it can result in your pet being denied entry, quarantined, or even deported at your expense. Always aim for full compliance to ensure a smooth travel experience for your pet.

Comment 8: “Are there any ways to reduce the overall cost for multiple pets?”

Cost-Saving Strategies for Multiple Pets: Traveling with multiple pets indeed increases the overall cost, but there are strategies to manage expenses effectively. Firstly, consolidating appointments so that all your pets are seen in a single veterinary visit can save on initial consultation fees. When it comes to the APHIS endorsement, the fee structure is designed to be slightly more economical for additional pets after the first, with incremental fees for each extra pet being less than the fee for the first pet. Additionally, some countries allow more than one pet per health certificate, which can also help in reducing the per pet cost. Planning well in advance can also allow you to budget better and potentially take advantage of any fee changes or promotions offered by veterinary services. Lastly, engaging with pet travel forums or communities may provide insights into more cost-effective practices adopted by other pet owners.

Comment 9: “Is it necessary to use a pet relocation service, or can I manage the process myself?”

Deciding Between DIY and Professional Pet Relocation Services: Managing the process yourself is entirely feasible, especially if you have the time, resources, and patience to navigate the complex requirements. It offers you direct control over every step and can be more cost-effective. However, the intricacy of regulations, paperwork, and logistics involved cannot be understated. Pet relocation services provide expertise and peace of mind by handling the entire process, ensuring compliance with all health regulations and transport logistics. They can be particularly valuable for destinations with strict or complex import requirements or if you’re managing a move with multiple pets. Ultimately, the decision hinges on your comfort level with bureaucracy, your budget, and the specific needs of your pet and family.

Comment 10: “What happens if my pet fails a required health test?”

Navigating Failed Health Tests: A failed health test can be a stressful hiccup in your travel plans, but it’s not always the end of the road. The next steps depend on the nature of the failed test and the specific disease or condition detected. Generally, your veterinarian will advise on the best course of action, which may involve treatment or a waiting period followed by retesting. For some conditions, like a low rabies antibody titer, simply waiting and vaccinating before retesting might suffice. It’s crucial to communicate with the animal health authorities of your destination country through your vet or a pet relocation service to understand the implications fully. Transparency, prompt action, and adherence to veterinary advice are key to navigating this situation, with the goal of ensuring your pet’s health aligns with the required standards for travel.

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Best Pet Insurance Plans of 2024

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  • Key takeaways

Overview of top pet health insurance providers

Detailed overview of the best pet insurance providers for 2024, compare pet insurance plans side-by-side, best pet insurance companies, what is pet insurance, how does pet health insurance work, what doesn’t pet insurance cover, how much does pet insurance cost, how to save on pet insurance, how to find the best pet insurance for your pet, best pet insurance faqs.

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  • Based on our research, the best pet insurance plans for 2024 come from Lemonade , MetLife , and Paw Protect . ( skip ahead to see these plans ).
  • In total, we researched and identified 13 solid pet insurance providers on the market and reviewed each one for its benefits and drawbacks below.
  • The best plan for you will depend on several factors such as the type of pet you have, their age, health needs, your budget, and more.
  • That said, all of the providers on our list offer great coverage and customizable plans . Each stands out for certain niche benefits, so we recommend taking a look at each one.
  • Below, we’ve created a handy tool to see side-by-side what each one covers . You can also compare the plans by price using the “ Get a Quote ” function found throughout our article.

While every provider has its pros and cons, we found 3 pet insurance providers that stood out for different reasons.

  • Lemonade Lemonade Pet Insurance is a major insurance provider offering budget-friendly coverage with flexible plans and deductible options. Their accident coverage has a very short wait time in most states and you also have the ability to combine pet insurance with other types of Lemonade insurance plans (renters, car, homeowners, etc) which can be convenient for some people.
  • MetLife MetLife stands out as an affordable option for people with multiple pets and their accident coverage essentially begins the same day you sign up (after midnight). Rather than buying separate plans for each pet, MetLife lets you add up to 3 pets on a single plan with shared coverage which severely reduces the overall price for people with several pets. MetLife also allows you to combine other types of insurance with your pet plan for added convenience.
  • Paw Protect Paw Protect is by far the best option for paying the vet directly on your behalf. While others offer this service, Paw Protect’s methods are easier and more efficient. This means you don’t have to wait to be reimbursed by the insurance provider which is a huge draw as you won’t have funds tied up in long reimbursement claims as with most other providers. Paw Protect is backed by Embrace, which is another huge name in the industry, and is a bit more affordable.

Also check out our roundup of the best pet insurance for dogs and the best pet insurance for cats .

Our top picks for the best pet insurance 2024

  • Lemonade Pet Insurance: Featured Offer: Great Budget-friendly Plans
  • MetLife Pet Insurance: Best for Same-Day Accident Coverage
  • Paw Protect: Best for Paying the Vet Directly
  • Spot Pet Insurance: Best for Range of Annual Coverage Options
  • Healthy Paws Pet Insurance: Best for Range of Reimbursement Options
  • Embrace Pet Insurance: Best for Multi-Pet Discounts
  • Pets Best Insurance: Best for a Wide Range of Deductible Options
  • Figo Pet Insurance: Best for Fast Claim Processing
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  • CarePlus by Chewy: Best for Paying for Prescription Products
  • Pumpkin Pet Insurance: Best for Quick Coverage of Ligament & Knee Injuries
  • Odie Pet Insurance: Best for Affordable Coverage with No Extras

Our top 3 picks for pet health insurance

Lemonade pet insurance, metlife pet insurance.

MetLife Pet Insurance

Paw Protect

MetLife Pet Insurance

Featured Offer: Great Budget-friendly Plans

Why we like it.

Editor's take

Lemonade is renowned for its affordable accident & illness coverage and its plethora of customizable plans. They’re among the few providers that include an option for dental coverage, a valuable feature in pet insurance.

With Lemonade’s accident and illness plan, there is a two-day waiting period for accidents and a 14-day waiting period for illnesses. Additionally, there is a six-month waiting period for cruciate ligament events.

Lemonade offers an easy-to-use mobile app that lets you seamlessly manage your pet’s policy and file claims. Some users receive instant approval and reimbursement for their claims, while others may see it within a week. Lemonade is known for providing top-tier customer service and offers personalized, kind assistance to its customers.

Add-ons from Lemonade include coverage for preventative care, vet visit fees, dental illness, physical therapy, behavioral conditions, and end-of-life care and remembrance.

Read our full Lemonade review

  • Comprehensive coverage
  • Discount for bundling with other policies from Lemonade
  • Various add-ons available
  • Age restrictions
  • Not available in certain states
  • No unlimited coverage option

Best for Same-Day Accident Coverage

MetLife Pet Insurance

We love that MetLife has same-day accident coverage, which goes into effect at midnight on the day you buy a policy, a far shorter wait than many pet insurance companies require.

Illness coverage requires a 14-day wait before coverage is effective. Many orthopedic conditions are also covered at the time that illness coverage kicks in.

We also like how they offer a variety of discounts for pet parents, like multi-pet discounts, employer benefit discounts, first-responder discounts, health care worker discounts, and more. On top of that, your deductible has the potential to decrease each year you don’t file a claim!

If you have multiple pets, you can take advantage of their family plan. The family plan allows you to buy one policy, with one deductible and annual limit, that can be shared between up to 3 pets.

Read our full MetLife review

  • Deductible as low as $50
  • Coverage for exotic animals
  • No initial exam required for enrollment
  • Super short waiting period of accident coverage
  • No vet-direct pay
  • Max 3 pets for multipet/family policy

Best for Paying the Vet Directly

Paw Protect is a relatively new provider but has taken the market by storm. One of its main draws is that it offers customers a $2,000 interest-free charge card that can be used to pay the vet directly, so you have no out-of-pocket expenses. Most other providers require you to pay upfront and be reimbursed.

Paw Protect offers an accident & illness plan as well as an optional Wellness plan available as an add-on. Like some other providers, it comes with 24/7 telemedicine coverage which allows you to speak to a vet in case you have an emergency and aren’t sure whether to take your animal in for a visit. It also offers considerable discounts if you have multiple pets (10% off) or are a military member (5% off).

We recommend opting for the unlimited plan with 90% reimbursement. However, if you are tight on cash, there are several other plan limits ($5,000, $10,000 & Unlimited) that offer great coverage at an affordable price.

Paw Protect accident and illness plan has a two-day waiting period for accidents and a 14-day waiting period for illnesses. There is a six-month waiting period for canine orthopedic conditions, which can be reduced to 14 days if you complete an orthopedic exam and waiver process.

Read our full Paw Protect review

  • Unlimited coverage option
  • Wellness plan add-on available
  • Pays vet directly
  • Max age for full coverage
  • Doesn’t cover boarding

Best for Range of Annual Coverage Options

Spot pet insurance.

Spot offers a wide range of annual coverage and deductible options to suit all budgets and is one of a few providers that offer a discount for owners with multiple pets (10%).

Another benefit to Spot is that there is no maximum enrollment age, meaning elderly pets can get coverage at any time.

Spot offers several plan options including an accident-only plan, an accident & illness plan, and 2 tiers of wellness add-ons (Gold & Platinum) which can cover things like teeth cleaning. With Spot Pet Insurance, euthanasia and exam fees (for covered conditions) are included with their accident & illness plan.

Spot has a 14-day waiting period for accidents, illnesses, and ligament/knee conditions. They even cover pre-existing conditions if they are considered curable and your pet has not had symptoms or treatments for at least 180 days.

Read our full Spot review

  • Various options to customize your policy
  • Preventive care add-on available
  • Affordable plans
  • Doesn’t cover prescription food
  • Longer waiting period for accident coverage than many insurers

Best for Range of Reimbursement Options

Healthy paws pet insurance.

Healthy Paws has excellent customer reviews and is one of the few providers on the market that can pay the vet for you directly. This is a huge draw for many pet owners as it means next to no out-of-pocket costs to you. The only caveat is that you must call and request a simple authorization before the vet treats your pet. Otherwise, you can pay and be reimbursed.

Healthy Paws also offers many choices for reimbursement and deductibles, which is great for those wanting to tailor a plan to fit their budget. You can choose a reimbursement percentage between 50%-90%. Healthy Paws only offers an accident & illness plan with unlimited coverage. They don’t have an accident-only or wellness plan.

With the Healthy Paws accident and illness plan there’s a 15-day waiting period for accidents and illness and a 12-month waiting period for conditions linked to hip dysplasia. These are some of the longest waiting periods in the industry, which could be a deal-breaker for some people.

Read our full review

  • Unlimited coverage
  • Five reimbursement levels to choose from
  • Max age limit for enrollment
  • Doesn’t cover dental disease
  • No wellness add-on available

Best for Multi-Pet Discounts

Embrace pet insurance.

Embrace offers highly customizable plans and ample discounts to customers with multiple pets (10% off) or who are military members (5% off). They have an accident & illness plan with optional wellness coverage as an add-on. This also includes optional coverage for exam fees and prescription drugs.

In case of an emergency, you’ll also get access to 24/7 virtual assistance via telemedicine calls which can help you diagnose if it’s necessary to rush to an in-person emergency vet. This feature alone could save you hundreds on vet bills, which is another reason we love Embrace Pet Insurance.

With Embrace’s accident and illness plan you’ll have a two-day waiting period for accidents and a 14-day waiting period for illnesses. There is a six-month waiting period for canine orthopedic conditions, which can be reduced to 14 days if you complete an orthopedic exam and waiver process.

  • Many options to customize plans
  • Various discounts available
  • Doesn’t pay vet directly
  • No exotic pet coverage

Best for a Wide Range of Deductible Options

Pets best insurance.

We like Pets Best because it offers competitively priced plans with a wide range of deductible options. This is great for people on a budget as it allows you to tailor your plan to what you can afford. There is also no age limit for sign-ups, meaning you can purchase coverage for your pet later in life. You’ll also get unlimited access to a 24/7 emergency vet hotline for quick consultations at all hours of the day.

Pets Best offers multiple plans including an Accident-only plan, as well as 3 tiers called Essential, Plus, and Elite. You can also opt for an add-on for wellness / routine care plans for an extra fee.

Last, but not least, Pets Best is one of the few providers who can pay the vet directly for you. Simply download the reimbursement release form from their website and have your vet’s office sign and agree to receive payment directly from the provider and Pet’s Best will handle the rest.

With Pets Best you can expect a waiting period of 3 days for accidents, 14 days for illnesses, and 6 months for cruciate ligament conditions.

Read our full Pets Best review

  • Many deductible options
  • No age limit for enrollment
  • Vet-direct pay option
  • Doesn’t cover alternative therapies
  • Doesn’t cover breed-specific issues

Best for Fast Claim Processing

Figo pet insurance.

Figo is known for its fast claim processing which is a huge benefit to its customers. Figo is one of the few providers that offer 100% reimbursement (on plans with deductibles of $500+). It’s also great for elderly animals as it has no age limit for enrollment.

You can also opt for add-ons that offer wellness coverage and reimbursement for vet exam fees. All plans come with 24/7 vet assistance chat. Video/phone telehealth consultations are available as part of the wellness add-on.

With Figo, there is a 1-day waiting period for accidents and injuries, which is one of the shortest in the industry. There is a 14 day waiting period for illnesses. For dogs, there is also a 6-month waiting period for orthopedic conditions. However, this can be waived if you get an orthopedic exam within the first 30 days of your policy and your pet is deemed healthy.

  • Fast claim processing
  • No max age limit for enrollment
  • Short waiting period for accidents and injuries
  • 100% reimbursement option
  • No accident-only plan option
  • More expensive than some insurers

Best for Extensive Coverage & Perks

Fetch by the dodo.

Fetch by The Dodo offers simple and straightforward plans with some of the most comprehensive coverage on the market. Fetch only offers their Standard accident & illness plan, which includes TeleVet services and dental coverage at no extra cost. However, unlike some other providers, there is no preventative/wellness plan option with this provider.

We love Fetch because they cover many additional things that competitors don’t. If your pet is lost, Fetch will cover expenses for lost pet ads and will even chip in to offer a reward. If you are in the hospital, they’ll pay for boarding & kennel costs.

Fetch has a waiting period of 15 days for accidents & illness and a 6-month waiting period for injuries for knee & hip injuries. However, this can be waived if you get an orthopedic exam within the first 30 days of your policy and your pet is deemed healthy.

  • Very comprehensive coverage
  • Included telehealth services
  • Covers boarding fees if owner is in the hospital
  • Add-on coverage available
  • No accident-only plan
  • No multi-pet discount
  • Requires pets to have a yearly checkup

Best for Prescription Food & Dietary Supplements

Animalia pet insurance.

Animalia is one of only a few pet insurance companies that cover prescription food and dietary supplements (as long as they are prescribed to treat a covered condition). They offer complete coverage, meaning things like behavioral therapy, chiropractic care, and virtual vet visits are all included in your plan without having to purchase an additional add-on. Unlike some other providers, however, they do not offer an optional wellness plan, so you won’t be able to get coverage for routine care like vaccines or flea treatment.

Waiting periods for Animalia Pet Insurance are 5 days for both accidents and illnesses and 6 months for cruciate ligament or orthopedic issues.

  • Covers prescription foods
  • Shorter waiting period for illnesses than many insurers
  • Virtual vet visits covered

Best for Paying for Prescription Products

Careplus by chewy.

CarePlus is one of the only companies that offer up to 100% reimbursement for prescription products. There is no maximum age of enrollment and they offer unlimited coverage limits. With all CarePlus accident & illness plans, you’ll get access to telemedicine via chat/video which gives you free vet consultations. This can save you time and money before going into an office by ruling out whether something is an emergency.

CarePlus offers various levels of plans including their Accident Only plan, Value Accident & Illness plan, Essential Plus Accident & Illness plan, and the Complete Accident & Illness plan. You can customize your plan with optional add-ons such as the Preventive Wellness plan.

Depending on the plan you choose, you will have a 2-5 day waiting period for accidents, a 14-day waiting period for new illnesses, and either a 14-day, 30-day, or 6-month wait for cruciate ligament conditions. On the downside, dental disease and exam fees are not covered in all plans.

  • No max enrollment age
  • Covers prescription products
  • Free online vet consultations
  • Wellness plans are available
  • Not all plans cover dental disease
  • Higher prices than some insurers
  • Won’t cover alternative medicine

Best for Quick Coverage of Ligament & Knee Injuries

Pumpkin pet insurance.

We love Pumpkin for its wide-reaching coverage and reimbursement level. Where other companies let you choose low reimbursement levels, Pumpkin ensures you get 90% back on covered claims and has no maximum age of enrollment. As an added benefit, owners with multiple pets get a 10% discount on policies. When it comes to coverage, what is offered as add-ons from other companies comes standard at Pumpkin.

Pumpkin has a standard accident & illness plan that covers exam fees, dental illnesses, behavioral issues, hereditary & congenital conditions, rehab therapies, and end-of-life services. You can also customize your plan with an optional add-on for preventative care.

With Pumpkin’s accident & illness plan, there is a 14-day waiting period. While this is longer than some other providers, Pumpkin has no extended waiting period for hip dysplasia or knee injuries making it a great option for animals prone to joint issues.

Read our full Pumpkin review

  • Optional wellness add-on available
  • Only one reimbursement option

Best for Affordable Coverage with No Extras

Odie Pet Insurance

Odie Pet Insurance

Odie is one of the best pet insurance options if you’re looking to keep your costs down. They advertise their average monthly cost for dogs at $35/month and cats at $25/month, which is on the low side of average for the industry. However, if you opt out of some of the additional coverage options you can find plans as low as $18/month for dogs and $8/month for cats.

Odie Pet Insurance offers accident & illness plans, accident-only plans, and an additional wellness add-on for preventative care.

Waiting periods for Odie start at 3 days for accidents, 14 days for illnesses, and 6 months for anything related to cruciate ligaments.

  • Low cost plans available
  • 24/7 vet chat
  • Wellness add-on available
  • Doesn’t pay the vet directly
  • Limited options for customizing plans

Select the two providers you would like to compare using the drop-down selectors below. In each column you can see what each provider covers. Similar coverage and conditions are grouped by category below.

MetLife Pet Insurance

We know you love your pet and want to make sure they have the best pet insurance coverage. That’s why we’ve researched the top providers on the market to find out what they do best and help you choose the right plan.

Best for paying vet bills up-front

Paw Protect stands out from the competition by offering you a line of credit to use to pay your vet bills. That means no out-of-pocket expenses for you when you see the vet for a covered reason. This pet health insurance plan is ideal for those who are worried about being able to afford paying a vet bill and waiting for reimbursement, like you would need to do with other companies.

Learn more in our Paw Protect Pet Insurance review .

Best for pet parents on a budget

Lemonade is well-known for offering some of the best pet insurance plans at low costs. They offer a wide range of options when it comes to annual coverage, reimbursement percentage and deductibles, making it easy to customize the perfect plan for your budget. They also include dental disease as a covered illness, which many providers don’t, so you won’t be skimping on coverage.

Learn more in our Lemonade Pet Insurance review .

Best for same-day accident coverage

We love that MetLife Pet Insurance accident coverage kicks in at midnight on the day you purchase it. It’s the shortest waiting period of all the pet insurance companies we compared. We were also impressed by the variety of discounts MetLife Pet Insurance offers to pet parents. More than just multi-pet discounts, MetLife also offers employer benefit discounts, first responder discounts, discounts for health care workers, and more. They also allow coverage for exotic pets in multiple states, not something many pet insurance companies can claim.

With MetLife, you don’t need an initial exam to enroll your pet and there is no upper age limit. Although traditional MetLife accident and illness policies don’t include wellness exams and dental cleanings, you can opt into their preventative care add-on to get coverage for these things and more.

Learn more in our MetLife Pet Insurance review .

Pets Best Pet Health Insurance

Best range of deductible options

With deductible options as low as $50 and as high as $1,000, Pets Best is a top choice for pet parents looking to save at the vet’s office. Choosing a low deductible will cost a bit more on your monthly premium, but once you hit that deductible the rest of your expenses will be reimbursed at whichever percentage you choose on your plan. If you choose the higher deductible, you’ll have to pay that much out of pocket before insurance kicks in to cover the rest, but your monthly premium will be lower.

Learn more in our Pets Best Insurance review .

Best range of annual coverage options

We like Spot Pet Insurance for its flexibility. It’s one of the providers with the most options when it comes to your deductible and maximum annual coverage limit. It offers one of the lowest max coverage amounts of $2,500, making it a great choice for those looking for cheap pet insurance. Pairing a low maximum annual coverage amount with a higher deductible will lower the cost of your monthly premium.

If you’re more interested in coverage than cost, Spot is still a great choice. They are one of the best pet insurance companies when it comes to coverage, and they tend to cover more advanced and alternative therapies than most other providers.

Learn more in our Spot Pet Insurance review .

Best for prescription coverage

Most pet parents already know that Chewy offers exceptional customer service. CarePlus pet insurance by Chewy is no exception. Chewy partners with Lemonade and Trupanion, two of the best pet insurance companies on the market, to administer their plans. All policies come with 100% cost coverage on prescriptions. Another standout is the different coverage levels. While most companies offer one accident and illness plan or one accident-only policy, CarePlus offers two levels of accident and illness coverage (Essential Plus & Complete) which allows you to get the coverage you want at a price you’re comfortable with.

Learn more in our CarePlus by Chewy pet insurance review .

Quickest coverage for ligament and knee injuries

Pumpkin Pet Insurance covers knee and ligament injuries after only a 14 day waiting period. Many other companies have waiting periods up to 6 months for similar coverage. Another thing we love about Pumpkin is how they treat pre-existing conditions. They recognize that some pre-existing conditions are curable (like an ear infection). If your pet is “cured” and has no treatment or symptoms for 180 days, and then comes down with the same problem again, it’s considered a new occurrence and can be covered by your policy.

Learn more in our Pumpkin Pet Insurance review .

Best range of reimbursement options

If lowering your monthly premium is a main concern, Healthy Paws might be the best pet insurance provider for you. They are the only company on our list that offers reimbursement percentage options as low as 50%. While this means you will only get reimbursed for 50% of your vet costs after filing a claim, choosing this option will result in a lower monthly premium. Healthy Paws is also one of the few pet insurance brands that offers vet direct pay.

Learn more in our Healthy Paws Pet Insurance review .

Fastest claim processing

We love Figo Pet Insurance because they reimburse you quickly for your pet’s medical expenses. Customers often comment on their fast claim processing, meaning you get your money back faster. They also offer additional add-on packages that cover things like wellness visits and exam fees. In some cases, Figo can also treat curable pre-existing conditions if your pets show no symptoms within 12 months of treatment.

Learn more in our Figo Pet Insurance review .

Best for multi-pet discounts

Multi-pet households and veterans might be especially interested in enrolling in an Embrace Pet Insurance plan because of the discount they’ll receive. Embrace offers a 10% multi-pet discount and 5% military discount on all of their plans. They also offer a 24/7 virtual assistant, which can save you a trip to the vet if you have any non-emergency questions you’d like answered. Like many of the best pet insurance companies, Embrace offers many deductible and reimbursement options to customize your policy.

Learn more in our Embrace Pet Insurance review .

Fetch Pet Insurance

Best for extensive coverage & perks

We love Fetch because it’s one of the best pet insurance companies you can choose when it comes to coverage. Every plan includes treatment for dental illnesses and injuries, acupuncture, chiropractic care and other specialty services that many other providers don’t cover. They also include a lot of additional perks, like covering the cost of reward money if your pet is lost or boarding fees if you are hospitalized and can’t care for your pet. They also offer a 10% discount to military members.

Learn more in our Fetch Pet Insurance review .

Best for affordable coverage with no extras

We love Odie because they let you set the price you want by allowing you to opt in or out of certain types of coverage. You can opt out of add-ons like prescription coverage, rehab therapy, and exam fees and get even lower monthly premiums. In our research, we found that plans including those coverages were about $35/month for dogs and $25/month for cats. When we opted out of those coverages, we were able to find accident and illness plans as low as $18/month for dogs and $8/month for cats. That’s some of the best pet insurance pricing we’ve seen, comparable to some competitors’ accident-only plan pricing.

Best for prescription food & dietary supplements

We like Animalia Pet Insurance plans because they cover prescription food and supplements for covered conditions, which is hard to find among their competitors. They are also a great choice for dental coverage. Animalia policies cover dental issues related to illness or injury in their base plan, but they also have a comprehensive dental care add-on that covers a wider range of issues.

Pet insurance is similar to the health insurance you use yourself for exams, lab tests and other medical expenses, except it covers pets instead of humans.

When you have pet insurance, you pay a monthly premium based on your pet’s age, overall health status and other factors. In exchange for that premium, the insurance company reimburses you for a certain percentage of your pet’s eligible veterinary expenses.

Once you have pet insurance coverage in place, your insurance company reimburses you for some or all of your pet’s eligible medical expenses.

This process can be slightly different depending on your provider but usually involves submitting a pet insurance claim online or in an app showing proof of the veterinary services performed and your payment. The insurance company will review your claim, and as long as the services provided are covered by your particular policy you will receive reimbursement.

Some pet insurance providers may also offer to pay the vet directly for you, which means you won’t have to foot the bill and wait to be reimbursed. However, this is relatively new, and each insurance provider that offers this service has a different way of paying the vet. For more on this, see our guide to pet insurance that pays vets directly .

Before you buy insurance for your pet, you need to understand these terms :

  • Waiting period : Most pet insurance companies include waiting periods in each policy. A waiting period is how long you have to wait between the time you sign up for insurance and the time it takes effect. For example, if you purchase pet insurance with a 14-day waiting period on January 14, your policy won’t go into effect until January 29. While you won’t find any pet insurance with no waiting periods at all, they do vary by provider and some are much shorter than others.
  • Exclusions : When you read your insurance documents, you may see a list of exclusions. An exclusion is anything that isn’t covered by your pet insurance.
  • Veterinary restrictions : In most cases, pet insurance companies allow you to see any vet in your area. Since most insurance companies reimburse you directly, there’s no need to go to an in-network vet or worry about other veterinary restrictions. This makes it much easier to get the care your pet needs.
  • Annual coverage limit : Many pet insurance companies have annual coverage limits on their plans. The annual limit, also known as the annual payout limit, is the maximum amount of eligible vet expenses your insurance company will cover in a calendar year. If you have an annual limit of $10,000 and your cat develops a serious illness requiring $12,000 worth of treatment, your insurance company will only reimburse $10,000 of eligible expenses. You’ll have to pay the other $2,000 on your own.
  • Condition limits : Some pet health insurance policies also have limits on how much they’ll reimburse for specific medical conditions. For example, your plan may reimburse a maximum of $3,000 for treating a luxating patella.

The amount of coverage available depends on the type of pet insurance policy you purchase.

You typically have the option of getting an accident-and-illness plan, an accident-only plan or a pet wellness plan.

Each type of insurance provides a different level of coverage:

  • Accident-and-illness pet insurance : This is the most comprehensive type of pet insurance available. That’s why it’s often referred to as “nose-to-tail” insurance. This type of pet health insurance reimburses you for veterinary expenses associated with covered illnesses and accidents. Some of the best pet insurance plans even come with pet dental coverage .
  • Accident-only pet insurance : This type of plan covers the cost of treating physical trauma caused by accidents. For example, if your dog injures its paw during a hike, this type of plan would reimburse you for the accident-related vet bills.
  • Pet wellness coverage : Pet insurance companies also offer wellness coverage, which covers exam fees and other forms of routine care. Some wellness plans even cover dental cleanings.

For more information on what these types of plans include, check out our complete guide on what pet insurance covers .

Does pet insurance only cover cats and dogs?

Most pet insurance policies only cover cats and dogs. However, some pet insurance companies cover other animals. For example, ASPCA Pet Health Insurance covers horses. You may even be able to find a pet insurance policy to cover your bird or lizard.

Dog Product Hero Reminder

Although some policies are comprehensive, pet insurance doesn’t cover everything.

Most pet insurance plans exclude the following:

  • Pre-existing conditions: Most pet insurance plans exclude preexisting conditions, which are medical conditions that exist before you buy a policy. Pet insurance companies typically ask you to provide your pet’s vet records to determine if any preexisting conditions should be excluded. For example, if your cat had dermatitis before you purchased a plan, your insurer probably won’t pay any vet bills associated with dermatitis treatment. However, some pet insurance companies will cover what they deem as “curable” pre-existing conditions. For more information, read our guide on pet insurance that covers pre-existing conditions .
  • Routine care : Unless you buy wellness coverage, there’s a good chance your policy won’t cover exam fees or preventive care. Therefore, most pet insurance plans don’t cover vaccinations, spaying or neutering, and other routine pet care. Luckily, most wellness plans can be purchased as an add-on to your regular pet insurance policy.
  • Elective or experimental treatments : No matter how much you care for your pet, your insurer probably won’t pay for elective procedures or experimental treatments. For example, if you plan to compete in dog shows, your insurance won’t cover the cost of tail docking or other procedures used to meet specific breed standards.
  • Breeding : Standard pet insurance plans don’t cover vet bills related to breeding. However, some pet insurance companies do offer breeding coverage as an add-on to a regular policy. Add-ons give you extra coverage for medical expenses that are excluded from a standard pet insurance plan.

For many people, pet insurance can absolutely be worth it. It may seem unnecessary to pay monthly to cover your pet if they’re generally healthy, but if they get injured or sick, pet insurance can save you a ton of money.

A few pet insurance terms

  • Reimbursement level : This is the amount of money the pet insurer will give you back (i.e. if you have a $2,000 expense and a 90% reimbursement rate, the insurance company will reimburse you for $1,800).
  • Deductible : This is the amount of money you have to spend each year before the insurance company pays anything.
  • Max annual coverage : This is the maximum amount the pet insurer will reimburse you each year.

How pet insurance can save you money: An example

If you pay $35 per month on Fluffy’s pet insurance policy, that’s $420 per year. Imagine that 3 years in, Fluffy needs emergency surgery that would cost $3,000 without pet insurance.

Your policy has a 90% reimbursement rate and a $250 deductible, so you pay that $250, leaving your balance at $2,750. The pet insurer reimburses you for 90% of the remaining cost ($2,475), and then you have to pay the other 10% ($275).

Although 3 years in, you would have paid $1,260 for your insurance policy, you essentially saved $1,215 ($2,475 (what the insurance company paid on the surgery) - $1,260 (what you paid for pet insurance) = $1,215).

The best pet insurance plans cost an average of $20 to $50 per month, depending on your animal. Although, you can easily spend more if your pet requires advanced care.

The table below shows the average cost of insuring a dog or cat at three different ages:

Every quote is based on a 90% reimbursement rate, a $500 deductible and a $10,000 annual coverage limit for pet owners living in ZIP code 90001.

Factors that impact the cost of pet insurance

Multiple factors impact the cost of pet insurance:

Type of pet

The type of pet you have has a big impact on how much pet insurance costs. Most pet insurance companies charge more for dog insurance than cat insurance . Also, you’ll likely pay more to insure large dogs, as they’re more prone to heart conditions and joint problems.

Some breeds have higher vet expenses than others, which may increase your premium. For example, Rottweilers are susceptible to hip dysplasia , elbow dysplasia and aortic stenosis, an illness that causes narrowing of the aortic valve.

If you want to give your pet the best care, sign it up for pet insurance at a young age. Enrolling early gives you a chance to secure coverage before your pet develops any pre-existing conditions. Your premiums will also be lower for a young pet than for an older pet.

It costs a little less to care for female pets, so your premium may be higher if you have a male dog or cat.

The cost of living in your city also plays a role in determining how much you pay for pet insurance. Pet owners in Los Angeles, Seattle, New York, San Francisco and other major cities tend to have higher costs than pet owners in rural areas.

Coverage options

Your annual limit, deductible and reimbursement rate all have an impact on your pet insurance premium. A deductible is what you must pay out of pocket before your insurance company starts covering any eligible vet expenses. Your reimbursement rate is the percentage of eligible expenses that your policy covers. For example, if you have a 90% reimbursement rate, your insurer will reimburse you for 90% of the costs associated with treating a covered illness or injury.

For a closer look at how these factors impact the overall cost, check out our complete guide on how much pet insurance costs .

Follow these tips to reduce the cost of insurance for your pet:

  • Discounts : Many companies offer discounts for spaying or neutering your pet, adding multiple pets to one policy, bundling your pet policy with another type of insurance or belonging to a specific organization. Before you commit to a plan, ask if you qualify for any of these discounts.
  • Payout caps : To reduce your monthly premium, choose a plan with a lower payout cap. For example, if you’re comparing policies with limits of $10,000 and $15,000, choosing the plan with the $10,000 limit can help you save money.
  • Lower reimbursement percentages : The higher your reimbursement percentage, the more it costs to have pet insurance. Lower your costs by dropping the reimbursement rate from 90% to 80% or 80% to 70%.
  • Higher deductible : When you choose a high deductible, you pay for a larger percentage of your pet’s care out of pocket. Try increasing your deductible from $250 to $500 or $1,000 to rack up more savings.

Our guide to cheap pet insurance can help you find an affordable plan to suit your budget and your pet’s needs.

To find the best pet insurance, follow these steps.

Choose your type of plan

Decide whether you want an accident-only health plan, an accident-and-illness plan or a wellness plan that covers exam fees and other routine expenses.

If you’re on a budget, choosing accident coverage instead of a more comprehensive coverage plan can help you save money. If price isn’t much of a concern, look for an accident-and-illness plan with multiple add-ons to get the best coverage.

Choose the coverage level you want

Think about how much coverage you need to ensure your pet gets high-quality care. If you don’t have much money in your savings account, look for insurance with a high reimbursement rate and a low deductible. With this approach, it’s possible to minimize your out-of-pocket expenses.

If you have a good-sized emergency fund, you may not need as much coverage. Choosing a plan with a high deductible and a lower reimbursement rate can help you save money without leaving you in a financial bind.

Look for available discounts

Many of the best pet insurance providers offer discounts for things like adding multiple pets or paying your yearly premium up-front.

Find out if you qualify for any of these common discounts:

  • Multi-pet : Many companies offer a multi-pet discount to pet parents who add multiple furry friends to one policy.
  • Employer : Some employers include pet insurance discounts in their benefits packages. Check with your HR department to find out if you qualify.
  • Spay/neuter : To encourage pet parents to fix their pets, some insurance companies offer spay/neuter discounts. If your insurer is one of them, you may want to wait until after your pet is fixed to apply for coverage.
  • Military : If you’re in or retired from the military, you may qualify for a discount. Some companies even extend this discount to National Guard and Reserve members.
  • Annual pay : Many insurers offer a discount for paying your annual premium all at once instead of making monthly payments.
  • Bundle : If you purchase pet insurance from the same company that handles your auto or home insurance, you may qualify for a bundle discount.

Check waiting periods and other exclusions

Before you commit to a plan, check for waiting periods and other exclusions. Your insurer may require you to wait 14 days, 30 days or even longer to use your policy. It may also exclude certain expenses, such as breeding costs or expenses associated with elective procedures. Checking for exclusions gives you a better idea of what each company covers.

Research and compare pet insurance providers

The next step is to research and compare insurance providers. Taking time to research each company can help you avoid scams and overpriced policies that don’t cover much. Once you have a list of insurers, ask your veterinarian if they recommend a specific one.

Another option is to use online review sites to determine if each company has a positive or negative reputation. When you read through pet insurance reviews, look for common themes. It’s not unusual for a company to have a few unhappy customers, but if every review mentions poor customer service or too many exclusions, you may want to avoid that provider.

Get multiple quotes and compare prices

Use a pet insurance comparison tool to get multiple quotes and compare prices all in one place. Comparison tools are helpful because they eliminate the need to give your contact information to multiple insurers.

When comparing prices, make sure that each plan has the same deductible, annual limit and reimbursement rate. Comparing plans with different terms makes it difficult to determine which one is truly the most affordable.

Examine extra costs

If any of the plans you’re considering have available add-ons, think about whether you really need them. Some are valuable, while others increase the cost of your insurance without giving you much in return. For example, if you have enough in the bank to cover the cost of exam fees and vaccinations, you probably don’t need an add-on that pays for these services.

What is the best pet insurance?

Based on our research criteria, we believe the best pet insurance plans for come from  Lemonade ,  MetLife , and  Paw Protect . ( Jump to these plans ).

That said, the best pet insurance plan is the one that offers you the coverage you need while maximizing your benefits and minimizing your out-of-pocket costs. Try using our online comparison tool to find a plan at a price that fits your needs.

Is pet insurance expensive?

Compared to the cost of paying for everything out of pocket, pet insurance is relatively affordable. However, you’ll want to ensure you understand your coverage and take full advantage by using it.

The average cost of pet insurance is around $19 to $30 per month , but you may end up spending more if your pet needs advanced care or if you decide to opt for a welless plan that covers routine care.

Can you get pet insurance to cover vaccines?

If you get pet insurance with a wellness plan, it can usually cover vaccines, exam fees and other routine expenses.

Does pet insurance cover prescription medications?

Many pet insurance policies cover prescription medications and even prescription foods used to treat certain covered illnesses. That said, pet insurance doesn’t usually cover medications used to treat preexisting coditions or other conditions exluded in your policy.

Is pet insurance tax deductible?

Pet insurance is not tax deductible unless your pet contributes to your income in some way. For example, if you use a border collie to herd sheep on a working farm, you may be able to deduct its pet insurance premiums on your business tax return.

Do all vets take pet insurance?

Pet insurance doesn’t work like human health insurance. In other words, vets don’t usually bill the pet insurance company. Instead, your insurer reimburses you for expenses you’ve already incurred.

There are a few pet insurance policies that will pay the vet directly , similar to how human health insurance works. However, some vets may not work with these providers.

What is the typical monthly cost of pet insurance?

On average, we’ve found that pet insurance costs about $15-$40 per month for cats and $25-$75 per month for dogs. However, the cost fluctuates based on your individual scenario, such as the age and breed of your pet, and the level of policy coverage you choose. We recommend comparing prices here .

About the Author

Sarah Stasik

Sarah Stasik is well versed in personal finance thanks to her previous role as a Revenue Cycle Manager for a Fortune 500 healthcare company. Using her inside knowledge and expertise, Sarah often covers topics ranging from insurance and the economics of private healthcare to personal finance and small business management.

With more than a dozen years of writing experience, Sarah has tackled niches that range from technical advances in fintech to personal budgeting challenges. She has covered topics such as insurance and the economics of private healthcare, small business management and accounting, and credit and savings. Her writing focuses on making complex or seemingly daunting financial topics more accessible and providing helpful and relevant resources for readers.

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Policy Details

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Nationwide Pet Insurance Review 2024

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Sarah Schlichter is a NerdWallet authority on homeowners, renters and pet insurance. Prior to joining NerdWallet, she spent more than 15 years in digital media as a writer, editor and spokesperson. Sarah enjoys delving into complicated topics and helping readers understand the ins and outs of their insurance coverage. She lives in the Washington, D.C., metro area.

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Caitlin Constantine is an assigning editor at NerdWallet, focusing on homeowners, renters and pet insurance. She has more than 15 years of experience in digital media, including as the deputy managing editor at The Penny Hoarder and as a digital producer for a 24/7 news station based in the Tampa Bay area. Caitlin enjoys exploring the ways technology can help people become better informed about the world. She currently lives outside Asheville, North Carolina.

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Nationwide Pet Insurance

Annual max coverage

Reimbursement rates

Deductibles

Policy highlight

  • Gives discounts for multiple pets or more than one policy with Nationwide.
  • Modular plan offers customizable coverage.
  • Has a 24/7 vet helpline for policyholders.
  • Not all plans and coverage options are available online.
  • Can't combine wellness coverage with Whole Pet plan.
  • 12-month waiting period for cruciate ligament injuries in most states.

Nationwide can cover a wide range of accidents and illnesses, but some plan options are available only by phone.

Nationwide is one of the oldest and largest pet insurance companies in the U.S., covering more than a million pets. Unlike most pet insurers, Nationwide sells policies for dozens of species, not just cats and dogs — so owners of parrots, rabbits and guinea pigs can get coverage, too.

Nationwide has three plans to cover accidents and injuries, though not all may be available to all pets. Two are similar to many other pet insurance plans, reimbursing you for a percentage of your vet bill. The other pays a set amount per condition, regardless of what you actually spend. The company also offers wellness coverage. Not all plans are available in all states.

What's new with Nationwide?

  • Nationwide pet insurance

Nationwide earned 4.5 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, coverage options and financial strength ratings.

Based on this rating, Nationwide is on NerdWallet's list of the Best Pet Insurance Companies .

  • State availability

Nationwide sells pet insurance in all 50 states and Washington, D.C. However, the availability of specific plans may vary by state.

Nationwide offers a variety of pet insurance plans, with availability depending on where you live.

Nationwide’s Modular plan allows you to pick the coverage you want. For example, you could choose accident coverage only or add coverage for illnesses, behavioral therapies, prescription food and supplements, and/or wellness. (Some options may be available only by phone.) The Modular plan pays you back for a percentage of your vet expenses.

Whole Pet is Nationwide’s most comprehensive plan, covering the broadest range of illnesses and injuries. Like the Modular plan, it will reimburse a percentage of your vet bill for accidents or illnesses, including exams and tests. However, there’s no option to add wellness coverage to pay for things like routine exams or heartworm prevention.

Major Medical

The Major Medical plan pays based on a benefit schedule, which lists a maximum annual reimbursement amount per condition — regardless of what your vet charges you.

Major Medical plans may cost less than other plans, but they don’t offer as much coverage. For example, Major Medical plans won’t pay to treat congenital conditions (disorders your pet is born with), while Whole Pet plans will.

Nationwide’s optional wellness coverage can reimburse you for vaccinations, heartworm tests, microchipping and other basic services. Depending on your plan, it may also pay for spaying, neutering or dental cleaning.

Wellness plans aren’t available in every state. Where available, you can buy a wellness plan in conjunction with a Major Medical or Modular plan. You can’t add wellness coverage to a Whole Pet plan.

» MORE: How much does pet insurance cost?

Note: Coverage options and availability may vary depending on where you live and the age and breed of your pet.

Depending on the options you select, Nationwide’s Modular plan can cover:

Exams, treatment, hospitalization and surgery for injuries and illnesses, including cancer.

Hereditary and congenital conditions.

Diagnostic tests.

Prescription medication, food and supplements.

Behavioral exams and therapies.

Alternative therapies such as acupuncture and chiropractic.

Routine and preventive care expenses such as vaccinations, fecal tests and heartworm prevention.

Dental diseases, as long as there were no previous signs before the effective date of your pet’s coverage.

Nationwide’s Whole Pet plan covers:

Hereditary or congenital conditions.

Prescription medication.

Nutritional supplements or therapeutic diets that your vet prescribes.

Dental diseases such as gingivitis.

Nationwide’s Major Medical plan covers:

Exams, treatment, hospitalization and surgery for injuries and illnesses listed in your benefit schedule, including cancer.

Some hereditary conditions.

Some dental conditions, but not gingivitis.

Depending on the plan you choose, Nationwide’s wellness plans may cover:

Routine checkups and behavioral exams.

Vaccinations or titers.

Heartworm or FeLV/FIV testing.

Fecal testing.

Microchipping.

Flea or heartworm preventives.

Additional screening tests.

Spay or neuter surgery.

Dental cleaning.

  • What’s not covered

Nationwide’s pet insurance plans don’t cover:

Pre-existing conditions .

Cruciate ligament problems within the first 12 months of coverage.

Wellness and preventive care (unless you’ve purchased a wellness plan).

Experimental treatment.

The Major Medical plan also excludes:

Congenital or developmental disorders.

Various dental issues such as gingivitis or treatment of baby teeth.

Behavioral therapies.

Age-related changes to an animal’s eyes or ears.

Treatment for parasites such as heartworms.

Prescribed nutritional supplements or pet foods.

Expenses associated with breeding or pregnancy, such as cesarean sections.

Any conditions specifically excluded in your benefits schedule.

» MORE: What does pet insurance cover?

  • Plan options

Deductibles: The default deductible is $250 for Whole Pet, Major Medical and Modular plans, but other options may be available online or by phone.

Reimbursement amounts: For Whole Pet plans, you can opt to be reimbursed 50% or 70% of your vet expenses. Modular plans can pay 50% to 80% of expenses. Major Medical reimbursement is based on your schedule of benefits.

Coverage limits: There’s a $10,000 annual coverage limit for Whole Pet plans. With a Modular plan, you can choose a limit between $2,500 and $10,000. Wellness coverage has various annual limits depending on the plan you choose. Maximum coverage for Major Medical plans is on a per-condition basis.

  • Restrictions and waiting periods

Age restrictions: Depending on the plan, your pet may need to be at least 8 weeks old to get coverage. A maximum age of 8 or 9 years may apply. Some plans have no minimum or maximum age.

Waiting periods: A waiting period is the time between when you buy your policy and when your coverage starts. Depending on your plan, you may have to wait 14 days before coverage begins. On the Modular plan, coverage for spaying, neutering and dental cleaning generally starts 90 days after the policy takes effect. A 12-month waiting period applies to cruciate ligament issues in most states.

  • Sample rates

The cost of Nationwide pet insurance depends on where you live, the coverage limits you choose and your pet’s breed and age.

To give you a rough idea of how much you might pay, we gathered sample rates for several popular dog breeds at ages 2 and 8. Rates below are sample monthly premiums for dogs living in Katy, Texas.

For younger dogs, our sample plan was for accident and illness coverage with a $250 deductible, $5,000 of annual coverage and an 80% reimbursement rate. Because of their age at the time of enrollment, the older dogs were eligible only for accident coverage. However, they had the same deductible, coverage limit and reimbursement rate. Your own price will vary.

We also gathered rates for a variety of cat breeds with the same coverage limits as above. Cats at age 8 at the time of enrollment were eligible for accident coverage only. Rates below are sample monthly premiums for cats living in Katy, Texas.

» MORE: The best cheap pet insurance

You can save 5% on a new pet insurance plan if you currently have another Nationwide policy such as auto or homeowners insurance .

You may also be able to save 5% to 10% if you insure more than one pet with Nationwide.

If your employer offers Nationwide pet insurance as a benefit, you can get a 5% discount.

» MORE: Is pet insurance worth it?

  • Consumer experience

Website: Nationwide’s website is relatively easy to use, with information and FAQs about its plans and an online claim submission process. You can also get a quote and buy a policy. Nationwide pet insurance policyholders get free access to the company’s VetHelpline service, which connects you with veterinarians for advice and consultations.

App: Nationwide has a general app for all its insurance products, but it offers relatively little functionality for pet insurance customers. You can use the app to check claim status, view policy information and see perks and rewards.

Claims: You can file a claim online or download a form to send in by email, fax or physical mail. You can check your claim status through your online account. The company says it generally handles claims within five days but notes that the process may take 30 days or more in some cases. You can opt to be reimbursed electronically or by paper check.

Customer service: You can reach customer service by phone at 800-540-2016 Monday through Saturday or contact the company by email.

» MORE: Does pet insurance cover surgery?

  • Nationwide vs. competitors

Here’s how Nationwide stacks up against a few other popular pet insurance companies.

Nationwide vs. Trupanion pet insurance

In most states, Trupanion has a single plan with unlimited coverage and a 90% reimbursement rate, while Nationwide has a variety of plans and options to choose from.

Each company handles deductibles differently. Nationwide has an annual deductible, while Trupanion offers lifetime deductibles per condition in most states. The latter could save you money if your pet develops a chronic condition that needs ongoing treatment every year.

For accidents and illnesses, Trupanion’s plan is similar to Nationwide’s Whole Pet plan. Both cover hereditary and congenital conditions, prescription medications and supplements, and diagnostic tests. However, certain treatments included in the Whole Pet plan cost extra with Trupanion, such as acupuncture, behavioral therapies and chiropractic.

If you’re looking for wellness coverage, Nationwide is a better bet; Trupanion doesn’t cover wellness expenses. Read our full Trupanion review .

Nationwide vs. Healthy Paws pet insurance

Healthy Paws offers a single pet insurance plan with no annual or lifetime limits. It can offer up to 90% reimbursement for some pets, which is a higher rate than any of Nationwide's plans offer. However, there’s no option to add wellness coverage.

The Healthy Paws plan covers hereditary and congenital conditions, prescription medications and alternative treatment such as acupuncture and chiropractic. However, it won’t pay for exam fees, some dental health care, behavioral therapies or prescription diets — all of which Nationwide’s Modular and Whole Pet plans can cover.

Healthy Paws says it processes most claims within two business days, while Nationwide generally takes about five days.

Nationwide vs. ASPCA pet insurance

ASPCA’s Complete Coverage plan is similar to Nationwide’s Whole Pet plan. Both cover hereditary and congenital conditions, exam fees for accidents and illnesses, alternative therapies, behavioral therapies and prescription food and supplements. But you can add wellness coverage to ASPCA’s Complete Coverage plan, while you can’t for Nationwide’s Whole Pet.

ASPCA also offers an accident-only policy, which you can choose as a cheaper alternative to a full accident and injury plan. Nationwide’s Modular plan can be a similar option if you customize it to include accident coverage only.

ASPCA's waiting period for cruciate ligament issues is significantly shorter than Nationwide’s — just 14 days compared with 12 months. But unlike Nationwide, it doesn’t cover rabbits, guinea pigs or other “exotic” pets other than horses.

Read our full ASPCA pet insurance review .

» MORE: Nationwide auto insurance review

  • How we review pet insurance

Our writers and editors follow strict editorial guidelines that ensure fairness and accuracy to help you choose the financial products that work best for you. In our pet insurance reviews, we consider coverage, discounts, financial strength ratings from AM Best and more to determine our star ratings.

Our rating system rewards companies that cover a wide range of potential expenses, offer many ways to customize your plan and have a strong financial rating. Within the consumer experience category, we looked at features such as mobile app ratings and whether the company offers direct vet payments. To calculate each insurer’s rating, we adjusted the scores to a curved 5-point scale.

Dive deeper with our criteria for evaluating pet insurance companies .

You can customize the Modular plan to cover spay or neuter surgery . Coverage takes effect 90 days after you buy the policy. You may be able to find other plans that cover spay or neuter surgery by calling Nationwide.

You can cancel through your online account at the Nationwide website. It will reimburse any unused premium. In some states, if you cancel soon after purchasing and haven’t filed any claims, you’ll get 100% of your money back.

The company advertises rates starting at $25 a month, but we saw rates lower than that while getting sample quotes. Your own pet’s rates will vary based on their breed, age and location. Learn more about the cost of pet insurance .

Nationwide’s accident and illness plans may cover end-of-life expenses such as cremation.

You can customize the Modular plan to cover

spay or neuter surgery

. Coverage takes effect 90 days after you buy the policy. You may be able to find other plans that cover spay or neuter surgery by calling Nationwide.

The company advertises rates starting at $25 a month, but we saw rates lower than that while getting sample quotes. Your own pet’s rates will vary based on their breed, age and location. Learn more about the

cost of pet insurance

  • Methodology

Pet insurance star ratings

NerdWallet’s pet insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, scope of coverage, the ability to customize your plan and more. Our “consumer experience” category looks at factors such as website transparency and mobile app ratings. To calculate each insurer’s star rating, we adjusted the scores to a curved 5-point scale. See our full pet insurance methodology .

These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines .

Pet insurance sample rates

To find sample pet insurance rates, NerdWallet gathered quotes for the base level of accident and illness coverage on each insurer’s website. Quotes reflect the monthly cost of a policy and do not include wellness coverage or other optional add-ons. Each plan for a given company had the same deductible, coverage limit and reimbursement rate for all sample pets.

These are sample rates gathered for specific pets living in Katy, Texas. Your own rates will be different.

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  • Best overall: Liberty Home Guard
  • Best for low premiums: Wellcare Medicare Part D
  • Best overall: AARP/UnitedHealthcare
  • Top-rated Medicare Advantage plans in Arizona
  • Top-rated Medicare Advantage plans in Florida
  • Top-rated Medicare Advantage plans in Pennsylvania
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  • Top-rated Medicare Advantage plans in Georgia
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  • Best for extra perks: Aetna
  • Best for member satisfaction: AARP/UnitedHealthcare Medicare Part D
  • Best for additional coverage options: Anthem
  • Best wired doorbell: Ring Wired Doorbell Pro
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  • Medicare Supplement Insurance prices in Illinois
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  • Best for comprehensive coverage: Cigna
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  • Best for inclusive coverage: American Home Shield
  • Medicare resources in Arizona
  • Third-party ratings
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  • Medicare resources in Virginia
  • Medicare resources in New Jersey
  • Best budget doorbell: Amazon Blink
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  • Medicare resources in Maryland
  • Medicare resources in Georgia
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  • Best for high-deductible Medigap Plan G: Mutual of Omaha
  • Best for local support: Blue Cross Blue Shield
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  • Honorable mention: Blue Cross Blue Shield
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  • Best for high coverage limits: First American Home Warranty
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  • Allwell Medicare Advantage pros and cons
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  • Arlo devices
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  • Where is Select Home Warranty available?
  • Aetna Medicare Part D cost
  • Available Medicare Advantage plans
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  • Alternatives to Vivint
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  • Cost for Physicians Mutual Medicare Supplement Insurance
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  • Frequently asked questions about Brigit
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  • Choice Home Warranty coverage limits
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  • Blue Cross Blue Shield Medicare Advantage plan types
  • What we didn’t like
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  • Molina Medicare Advantage plan types
  • Care N' Care Medicare Advantage service area
  • Alternatives to Nest
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  • Alternatives to OneGuard Home Warranty
  • Cons of Select Home Warranty
  • Cigna Medicare Advantage plan types
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  • AARP Medicare Advantage plan types
  • Devoted Health Medicare Advantage service area
  • Available Highmark Medicare Advantage plans
  • Baylor Scott & White Medicare Advantage service area
  • Choice Home Warranty price
  • Alternatives to Abode
  • Wellpoint (Amerigroup) Medicare Advantage plan types
  • Alternatives to Landmark Home Warranty
  • Braven Health Medicare Advantage service area
  • Pros of Cinch Home Services
  • Available Anthem Part D prescription drug plans
  • Regence Medicare Advantage service area
  • Other MoneyLion features
  • A closer look at Dave's star rating
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  • About Alignment Healthcare
  • Pros of 2-10 Home Buyers Warranty
  • Lumico and Elips member complaints
  • Cigna member complaints
  • Available BCBS Part D prescription drug plans
  • USAA member complaints
  • Alternatives to Select Home Warranty
  • State Farm member complaints
  • AARP Medicare Advantage service area
  • Molina third-party ratings
  • Cons of Cinch Home Services
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  • A closer look at Empower's star rating
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Up to 24 hours before departure, you can check in online. Select “Check In” in the page header or go to My Trips . If you aren’t logged in, enter your confirmation number, SkyMiles number or credit card number to access your itinerary. You can print your boarding pass or get an eBoarding Pass on your mobile device.

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Need check-in assistance at the airport? Speak with us in-person at any of our Delta Air Lines check-in desks. You’ll see an area clearly labeled for Delta flights, with a special Sky Priority™ boarding lane for Gold, Platinum and Diamond Medallion® Members, and Delta One®, Premium Select and First Class passengers.

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If you’d prefer to check in as soon as you exit the car, find a Delta curbside desk located at passenger drop-off at most U.S. airports. Here, you can check your baggage directly after you’ve exited your vehicle. If you’re bringing oversized baggage, you may have to bring it inside to an oversized baggage area. There is no fee for using curbside check-in at the airport, but gratuities are always appreciated for outstanding service.

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Exotic pet insurance guide: types, coverage and cost.

Exotic Pet Insurance Guide

Our evaluations and opinions are not influenced by our advertising relationships, but we may earn a commission from our partners’ links. This content is created independently from TIME’s editorial staff. Learn more about it.

No matter the species, we love our pets, and insuring them can help cover the cost of unexpected vet bills related to accidents and illnesses. Many popular pet insurance companies only cover dogs and cats. However, others will take on more unusual pets, though their policies are not necessarily available in all states.

If you have a guinea pig, snake, or some other exotic pet, you’ll have to do a bit more research to find insurance coverage. Nevertheless, it can be worth the effort.

Lemonade

Lemonade Pet Insurance

Types of exotic pets covered.

Exotic pet insurance covers a variety of animals. Nationwide, for example, breaks exotic pets into the following groups:

  • Mini pigs and goats.
  • Lizards, reptiles, and frogs.
  • Guinea pigs.
  • Ferrets and small mammals.

Specific kinds of animals within those groups include:

  • Chinchilla.
  • Potbellied pig.
  • Sugar glider.
  • African grey.
  • Amphibians, including toads.
  • Bearded dragon.
  • Frilled dragon.
  • Monitor lizard.
  • Water dragon.

Coverage options in exotic pet insurance

Exotic pet insurance usually comes in two forms, though it varies by provider.”

  • Accident-only insurance. Covers broken bones, soft tissue injuries, lacerations, sprains, and poisoning.
  • Accident-and-illness insurance. Good for both the above-mentioned accidents and a variety of illnesses, such as cancer, arthritis, allergies, eye and ear infections, internal parasites, overgrown teeth, and upper respiratory infections.

For example, if you have a pet bird that starts picking at or losing its feathers, you wouldn’t be covered with accident-only insurance, but an accident-and-illness policy would likely cover any related treatment costs.

Exotic pet insurance has several exclusions, which usually include the following:

  • Breeding costs.
  • Boarding and transportation.
  • Hereditary or pre-existing conditions.
  • Vaccine-preventable illnesses.
  • Elective procedures, such as wing clipping.
  • Vitamins and other supplements or specialty food.
  • Routine vet exams.
  • Orthodontics.

Before purchasing a policy, check to see exactly what is and isn’t covered, and ask your insurer if you have any questions.

Factors to consider when choosing exotic pet insurance

Pet insurance can be a useful purchase, whether you’re covering a traditional or an exotic pet. Consider the following factors when looking for exotic pet insurance coverage:

Coverage type

How much and what kind of coverage do you want? As noted above, most exotic pet insurers offer accident-only and accident-and-illness plans.

Annual maximum coverage limit

A pet insurance policy’s annual maximum coverage limit is the most that an insurer will pay. It’s vital to consider how much coverage you want and whether you can afford the premiums.

The deductible is the amount you’ll have to pay before your insurer starts to reimburse you. It’s usually per year rather than per incident. For example, if you have a $500 annual deductible use it with your first claim, the insurer will fully cover all remaining claims for the year.

Reimbursement rate

The reimbursement rate on a pet insurance plan is the amount of a claim the insurer will pay once you’ve met your deductible. If you file a claim for $2,500 and your deductible is $500, your insurer will pay a percentage of the remaining $2,000. If you opt for an 80% reimbursement rate, your insurer will pay $1,600, and you’ll be on the hook for the remaining 20%, which would be $400 in this case.

How to select the best exotic pet insurance

The following steps can help you select the best plan for your exotic pet.

  • Decide on the type and amount of insurance coverage.
  • Research the best exotic pet insurance providers.
  • Make sure your pet is covered.
  • Request quotes from several providers, then compare costs, coverage, and reimbursement rates.
  • Choose the most comprehensive coverage for the best price.
  • Purchase the policy.

How much does exotic pet insurance cost?

The exact cost of exotic pet insurance will depend on several factors, including pet type and age, the coverage limit, the reimbursement rate, and the deductible. According to MarketWatch, exotic pet plans range from $10 to $100 per month. Nationwide’s coverage can be as low as $10 monthly, though its most popular exotic pet plans run about $20 monthly.

TIME Stamp: Exotic pet insurance can save you money on vet bills

Pet insurance might seem unnecessary, but you’ll be glad for the coverage if your exotic pet is involved in an accident or becomes ill. The right coverage can help focus on getting your pet better rather than worrying about how to pay for treatment.

Frequently asked questions (FAQs)

What types of exotic pets can be insured.

Small mammals, birds, reptiles, and amphibians are usually covered.

Is exotic pet insurance worth it?

Exotic pet insurance may be worth it if your pet is injured or becomes ill, as it can save you thousands of dollars in vet bills. As with all insurance, it’s a calculated gamble.

Does pet insurance cover turtles?

No. You need exotic pet insurance to cover a turtle, and you should always ensure your chosen provider has your specific kind of turtle on its list before paying for a policy.

How do I file a claim with exotic pet insurance?

The process depends on the insurance provider. Many let you file a claim online, which involves submitting the bill along with the claim amount for reimbursement. Other providers may only have options for filing a claim over the phone, by mail, and/or in person.

The information presented here is created independently from the TIME editorial staff. To learn more, see our About page.

Do I need travel insurance for my summer vacation? It's complicated.

  • Travel insurance can be complicated, but it's worth it if you have travel expenses that insurance would cover.
  • You might not need travel insurance if you're taking a driving vacation and staying in a place where lodging is free.
  • If you're leaving the country, you'll likely need travel insurance.

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If you're planning to travel somewhere this summer, you're probably thinking of buying travel insurance.

Kingsley Hopkins is. He's headed to Portugal and Iceland with his girlfriend, and he wants to make sure he's covered for things like medical emergencies or trip disruptions, "or if a volcano erupts," he said.

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But getting the right travel insurance can be complicated. There's no one-size-fits-all policy, and Hopkins, an assistant editor at a book publishing company in New York, has been spending a lot of time thinking about how to protect his summer vacation.

Learn more: Best travel insurance

Chances are, so have you.

Why finding the right travel insurance is so hard

Most surveys suggest this will be a record summer for travel. How much of a record? Demand is so high that some airlines are afraid they will run out of planes. Now that's busy.

At the same time, danger and uncertainty are lurking everywhere – wars in Europe and in the Middle East, the usual slate of natural disasters like hurricanes and maybe a volcano or two. It's no wonder people are giving some serious thought to insurance. 

Older travelers are particularly worried. And they should be, said PK Rao, CEO of INF Visitor Care . Claims by travelers over age 50 spike during the summer months.

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Try this pro trick for an affordable and stress-free summer vacation

"According to our claim data, medical emergencies tend to uptick during the summer, especially for those going on trips that involve outdoor activities," he said.

But there are so many choices out there, including credit card coverage, medical evacuation membership programs and standalone travel insurance. What should you get?

You need peace of mind 

But don't just reflexively start shopping for a travel insurance policy this summer. Instead, look for peace of mind – knowing that if something goes wrong, you'll be taken care of.

"Knowing you're protected from unforeseen travel mishaps – like delays, lost baggage and even medical emergencies – can make the trip that much more enjoyable,” said Daniel Durazo, a spokesman for Allianz Partners USA .

As it turns out, there are several ways to get the peace of mind you need. And there are times when you can safely skip travel insurance.

This is when you don't need insurance

Here's when you can skip travel insurance, according to experts:

  • If you already have coverage. "You may already have travel coverage through your benefits at work, your credit card, or through group benefits with an organization," said Jiten Puri, CEO of PolicyAdvisor.com. If you do, there's no need to buy more coverage. You're all set.
  • If you're not traveling far. If you're taking a driving vacation and staying in a place where lodging is free, like a relative's sofa, then there's not much to insure. "If you already have health insurance, it may cover you for a domestic trip, so you don't need to think about health insurance coverage," said Joe Cronin, CEO of International Citizens Insurance .
  • If your trip isn't insurable. Traditional travel insurance covers conventional trips with prepaid, nonrefundable components like airline tickets and hotel stays. You might find that you either already have coverage through your medical insurance, or the trip is essentially uninsurable.

So think twice before saying "yes" to optional travel insurance that your online travel agency may offer you when you're booking a trip. You might not need it.

Here's when you need travel insurance

But most travelers should consider some kind of travel insurance coverage this summer. Here's when you need the extra coverage:

  • If you have travel expenses that insurance would cover. "If you have many prepaid, nonrefundable expenses, it's best to take out travel insurance," said Lauren Gumport, a spokeswoman for Faye Travel Insurance ."This includes things like flights, hotel rooms, tickets and activities." The more conventional your vacation, the likelier travel insurance is to cover almost every aspect of your summer vacation.
  • If you're leaving the country. "Your regular medical insurance might not extend coverage beyond your home borders," said John Rose, chief risk and security officer at ALTOUR . Also, many countries require travel insurance for entrance. They include Bermuda, Qatar, Sri Lanka, and some European countries.
  • If you can't afford to lose your trip. "When considering travel insurance for your summer trip, evaluate whether you can afford to lose your vacation investment due to unforeseen circumstances like illness, weather disruptions or emergencies," explained Robert Gallagher, president of the US Travel Insurance Association (USTIA). "Can you afford the financial risk if you miss your cruise departure because of covered flight delays? What if you have to cut your trip short because of illness?"  

One of the most common mistakes travelers make is assuming their credit card will cover them. For example, I found that my credit card only covered my rental car as secondary insurance, which made it completely useless when I rented a car in Tampa recently. I had to buy a standalone policy from Allianz to cover the vehicle.

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How one traveler insured his summer vacation

So, how did Hopkins handle his travel insurance needs? Well, as I mentioned – it's complicated.

Hopkins said he always buys some travel insurance before he takes a trip, "but how much, and what I cover, varies," he explained.

He decided that his path to peace of mind in this case was to spend a few extra dollars: He made fully refundable flight and hotel reservations, just in case something went wrong. That would eliminate a lengthy claim with his travel insurance company or credit card.

But he still needed at least $50,000 in medical coverage with emergency evacuation because of his active schedule.

"We’re going to be doing a lot of hiking in Iceland," he said. "And you just never know." 

At the beginning of the year, he decided to buy an annual Medjet Horizon plan, a membership that would get him from a hospital in Portugal or Iceland to a hospital at home, in case something happened. 

For insurance, Hopkins checked TravelInsurance.com to find an affordable travel insurance policy. He found coverage through Trawick International that pays up to $50,000 in medical expenses and up to $200,000 for an evacuation.

"I’ve heard good things about them," he said. "Hopefully, we won’t need any of it."

How do I insure my trips?

I'm on the road about 360 days a year, so I'm always thinking about peace of mind. I currently use a Wells Fargo credit card with lots of travel benefits, and I have long-term policies through Faye and Cigna, which have worked fairly well. I also am a long-time Medjet Horizon member. If I rent a car, I turn to Allianz for my primary coverage.

I know – that's a lot of peace of mind. 

But I've also run into trouble and had to use many of those benefits. Medjet got me back home during the pandemic. Cigna covered me after a serious ski accident in Switzerland. My old Allianz policy took care of my medical expenses when I had to see a doctor in Santa Fe, New Mexico, a few years ago.

Like I always say, when it comes to having enough insurance, better safe than sorry.

Christopher Elliott  is an author, consumer advocate, and journalist. He founded  Elliott Advocacy , a nonprofit organization that helps solve consumer problems. He publishes  Elliott Confidential , a travel newsletter, and the  Elliott Report , a news site about customer service. If you need help with a consumer problem, you can  reach him here  or email him at  [email protected] .

The Key Points at the top of this article were created with the assistance of Artificial Intelligence (AI) and reviewed by a journalist before publication. No other parts of the article were generated using AI. Learn more .

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  1. 22 Best Pet Travel Insurance Options to Buy Today

    12. TrustedPals. Zurich, a multinational insurance business, issues TrustedPals' coverage and travel insurance plans for pets. TrustedPals offers coverage to dog and cat owners of any age, and 1% of the company's income is given to animal-related charities.

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    In short, yes. Pet health insurance covers your furry companion's healthcare needs, whereas pet travel insurance is offered by businesses hired to relocate your pet and only applies to what ...

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    Unexpected injuries. Heat stroke. Hypothermia. When making transportation arrangements for your pet, ensure that your carrier company is licensed and provides a minimum amount of pet travel insurance — typically from $100 to $500 per pet. Or, if you're entrusting your pet directly to an airline, know that they all have different pet policies.

  4. Choosing the Right Pet Travel Insurance: A Guide for Worry-Free

    Benefits of Pet Travel Insurance Let's be real here—deciding to take our furry friends on trips with us is a bit like choosing to travel with a very cute, somewhat unpredictable toddler. They can go from zero to 100 real quick, either with excitement or with a sudden need for a bathroom break.

  5. What is pet travel insurance?

    The cost of a pet travel insurance policy varies, but the most cost-effective (and convenient) way to get coverage for your pet is to add it to your own travel insurance policy. As you plan for an upcoming trip and consider coverage for trip cancellation, trip interruption , trip delay, or baggage protection , you can easily add affordable ...

  6. Best Pet Travel Insurance 2024

    Vet Fees. In case your pet gets ill or injured while abroad, the pet travel insurance will cover the veterinary fees exactly like the regular pet health insurance covers vet expenses in your home country. One thing to note, though, is that the main prerequisite for the insurance cover is that any injury or illness should be sustained abroad.

  7. international pet travel insurance

    International pet travel insurance typically covers unexpected medical expenses related to accidents or illnesses that occur while traveling abroad with your pet. This can include emergency veterinary treatment, hospitalization, and even repatriation if your pet needs to be transported back to your home country for medical treatment. ...

  8. Advice for those Traveling with Pets

    Pack plenty of food, treats, and water, as well as a travel-friendly food and water bowl for frequent stops. Remember that pets should always be kept in the backseat of a vehicle: Front-seat airbags can be deadly to pets, so the backseat is a much safer choice. Also, even if your dog enjoys the wind in its face, make sure to keep its head ...

  9. What is Pet Travel Insurance and What Does It Cover?

    Pet travel insurance can cover additional expenses incurred due to extended stays, alternative transportation arrangements, or temporary accommodations for your pet in case your mode of transportation is affected. Lost or Stolen Pet: Losing a pet or having them stolen during your travels can be an extremely distressing experience.

  10. Pet Travel Insurance for Dogs & Cats

    The ManyPets' Accident and Illness policy covers your pet while you're traveling within the US or Canada — and also, of course when you're in your home state. "Pet travel insurance," which isn't commonly offered in the US, is solely designed to cover pets for mishaps that are directly associated with traveling.

  11. Pet Travel

    Find out if your pet qualifies to travel. Your animal doesn't qualify for pet travel and is subject to different import regulations and export regulations if you: Don't see your pet listed below. Are exporting semen or embryos from any animal. Have a pet that's considered livestock or poultry, like pigs or chickens.

  12. Taking the Stress Out of Pet-Friendly Travel

    For as little as $20.00 per trip, Pet Travel Insurance covers up to $2,000 in unexpected veterinary expenses if your pet gets sick or injured during your trip and up to 150% of your covered trip costs in the event your travel is disrupted due to your own illness or injury or your pet's critical illness. The insurance also protects up to 100% ...

  13. What Is Pet Travel Insurance and What Does It Cover?

    Pet travel insurance helps cover costs you might incur when traveling with your pet. These policies cover unexpected expenses like vet visits if your pet gets sick or hotel stays if you get ...

  14. How Travel Insurance For Pets = A Stress-Free Vacation

    Trip cancellation: Your pet insurance policy may reimburse some costs if you must cancel or shorten your holiday due to your pet's illness or injury. (Especially if it's a life-threatening case requiring treatment.) With Tractive Pet Cover , your quarantine expenses are covered up to £1,000 each policy term. You're also covered up to ...

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    Pet Health Insurance. Pet health insurance typically covers veterinary costs associated with your pet's illness or injury. This can include everything from routine check-ups and vaccinations to surgery and other medical treatments. It's more of a long-term coverage that ensures your pet's health needs are cared for, no matter where you are.

  17. How to insure your pet to travel abroad

    The certificate should be issued by your pet's vet. Your pet will need a new AHC each time they travel, and you will need to apply for one at least 10 days before you leave. The certificate will be valid for four months, but only for one trip. When you arrive in the EU you will need to enter through a travellers' point of entry, where your pet ...

  18. PET TRAVEL INSURANCE: DO YOU REALLY NEED IT?

    International Travel. When traveling across borders, you may encounter different regulations and requirements for pets. Pet travel insurance can help cover the costs associated with meeting these requirements, including vaccinations, microchipping, and documentation. Pets with Pre-existing Conditions. If your pet has pre-existing medical ...

  19. Costs of Animal Health Certificates for International Pet Travel

    Pet insurance can be a prudent investment, especially when embarking on international travel. Policies that cover international vet visits, emergency treatments, and even repatriation can offer peace of mind and financial protection against unexpected medical expenses while abroad.

  20. 2024's Best Pet Insurance Plans

    Based on our research of 13 top providers, the best pet health insurance plans for 2024 come from Lemonade, MetLife, and Paw Protect. See More. ... Amex Travel Insurance Explained

  21. Nationwide Pet Insurance Review 2024: Pros and Cons

    For younger dogs, our sample plan was for accident and illness coverage with a $250 deductible, $5,000 of annual coverage and an 80% reimbursement rate.

  22. How to Check In

    Whether you check in on delta.com, the Fly Delta app or in-person at the airport, you'll be expected to present government-issued photo identification along with your boarding pass. International travelers also need additional documentation, which can be fulfilled with Delta FlyReady SM. If you need help while checking in, we're here to assist.

  23. Exotic Pet Insurance Guide: Types, Coverage and Cost

    The exact cost of exotic pet insurance will depend on several factors, including pet type and age, the coverage limit, the reimbursement rate, and the deductible. According to MarketWatch, exotic ...

  24. Pet insurance that pays you vet directly

    Vet bills are notoriously expensive, which is why many pet parents invest in pet insurance.Most policies follow a reimbursement model; however, some pet insurance companies pay the vet directly.

  25. Here's when you need travel insurance (and when you don't)

    But getting the right travel insurance can be complicated. There's no one-size-fits-all policy, and Hopkins, an assistant editor at a book publishing company in New York, has been spending a lot ...

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    A mix of the charming, modern, and tried and true. See all. Apelsin Hotel. 43. from $48/night. Apart Hotel Yantar. 2. from $28/night. Elektrostal Hotel.