Resource Center Menu

Pet Insurance: What to Look for When Getting a Pet Insurance Quote

Purchasing a pet insurance policy to help cover pet care costs in the event of an emergency or illness is one of the best ways to stay on top of their health. Pet insurance can also help avoid difficult financial decisions or costly complications that come with certain procedures. 

If you’re in the market for a pet insurance policy but aren’t sure where to start or how to  calculate your monthly premium, here are a few important things to consider as you search for a quote.

Make sure you know what’s covered in the pet insurance policy

Every pet insurance policy will have its own stipulations, and your specific monthly rate will vary based on the type of plan you  choose, in addition to other factors like the type of animal you have, their age and where you live. In general, some of the treatments you can expect to have covered include:

  • Accidents and illnesses
  • Hospitalizations
  • Surgery
  • Diagnostics, such as blood work, X-rays and ultrasounds 
  • Prescription food and medications
  • Cancer treatments
  • Alternative treatments
  • Hereditary conditions

Petco insurance includes extensive coverage and a flexible plan for any budget—however, some exclusions to these policies include breeding costs and cosmetic procedures. Pre-existing conditions—or conditions that occur or show symptoms before your coverage begins or during the waiting period—are also not covered.

It’s also important to know that these policies only cover the health of your pet and usually do not provide any pet liability insurance, which could cover the cost of unexpected problems, such as injuries resulting from a dog bite. These issues may be covered under a homeowner’s insurance policy, or you may be able to buy additional coverage. 

You can click here to view more specific sample plans for your dog or cat based on the state you live in, or contact a specialist for any questions you have about coverage specific to your pet’s needs. To get a free quote, click here.

Find out what your deductible is

Just like with your own health insurance, your pet’s insurance policy will come with a deductible that you will need to pay in full before you can start getting reimbursed for medical care. Petco insurance plans offer annual deductible options of $100, $250 or $500. The higher your annual deductible, the less you’ll likely pay in monthly premiums throughout the year. 

After you’ve met your deductible, Petco insurance plans offer reimbursement percentages in 70%, 80% and 90% amounts. As with deductible options, the lower the reimbursement percentage you opt for, the less expensive your monthly premium will be. 

Understand your policy’s annual limit

Besides coverage, exclusions, premiums and deductibles, another thing you’ll want to review when getting a quote is the “annual limit” on the pet insurance policy. An annual limit is the total amount that the policy will actually reimburse you for over a 12-month period. When picking your policy and deciding on a deductible, it’s important to gauge as best you can how much money you think you might need to cover veterinary bills for your pet throughout the year—factoring in some cushion for emergencies that might crop up—so that you select a policy with the right monthly premium, deductible and annual limit that works for your needs.

For example, a dog with known hereditary issues or a working dog that’s often in contact with other animals  and is kept busy with strenuous exercise throughout the day might require a higher annual limit than a pet that’s generally healthy and spends most of their time indoors.

Putting your pet insurance policy into action

Pet insurance can help you cover the costs of veterinary bills, but you’ll still be responsible for paying for them before they’re submitted for reimbursement. With a Petco pet insurance policy, you can take your pet to any licensed veterinarian, specialist or emergency clinic in the US to receive care, keep the receipts and then submit a claim online for reimbursement based on your policy coverage.

Keep in mind that your insurance policy will also come with a waiting period, which is a specific amount of time that needs to pass before coverage kicks in. Petco insurance, for example, offers coverage that starts on the 15th day after the policy effective date. Be sure to inquire about specific rules with the insurance company before bringing your pet in for non-emergency procedures during your waiting period.  

As you know, a pet insurance policy is an excellent way to financially prepare for your pet’s future and maintain their overall health and wellness, now it’s just a matter of finding the right plan. 

Keeping these considerations in mind, learn more about Petco insurance here or contact a Petco insurance specialist by phone (833-898-7387) or email ( to get a quote and to start your pet’s coverage.

Petco Animal Supplies, Inc.® is not an insurer and is not engaged in the business of insurance. PetCoach, LLC is a licensed insurance producer, not an insurer, and a wholly owned subsidiary of Petco Animal Supplies, Inc. The Petco name is used for the brand name. In California, PetCoach, LLC does business as PetCoach Insurance Solutions Agency (CA License No. 0M10414). Pet Insurance plans are underwritten by United States Fire Insurance Company. Insurance plans are marketed and offered by PetCoach, LLC. Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions apply. For all terms and conditions visit Products, schedules, discounts and rates may vary and are subject to change. More information available at checkout. Enroll at