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12 Things to Consider When Buying Health Insurance for Your Pet

Thinking about pet insurance but not sure what the best choice might be? these 13 questions might help you decide.

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Thinking about pet insurance but not sure what the best choice might be? It’s time to look beyond those cute photos of puppies and kittens on plan websites and dig into the fine print of policies to find the best option for you and your pet.  

These 13 questions might help you decide.  

Will I get to choose my vet?

There are more than 100K Veterinarians operating in the US and while some insurance plans will allow you to choose any vet you desire; others will limit your choice by working only with in-network veterinarians. Check to see if your vet is included as a provider for the pet insurance you are interested in. Animalia will back any licensed vet, specialist or hospital you choose. Nationwide.

Is dental care covered?

Dental insurance options vary greatly from one pet insurance company to another. Animalia dental pack offers the most extensive coverage – Crowns, Root Canal, Extractions…Orthodontia, Endodontia and Exodontia.  

What if my pet has breed-specific issues?

Some pet insurance companies will require you to pay extra on that while some won’t cover them at all. With Animalia’s comprehensive plan, you’ll never worry about gaps in coverage as breed-specific, hereditary as well as congenital conditions, are included too.  

Behavioral therapy. Is it Covered? 

Pet insurance can make it easier on your wallet the next time your pet gets sick or injured. But what if your dog has anger issues or annoys you (and your neighbors) with their excessive barking? In these cases, a dog behaviorist can assist. We’ll handle the fees as part of our Premium pack. As long as you don’t expect reimbursement for misbehaviors like failing to follow orders 😉 

What about alternative care?   

Sometimes, traditional medicine is just not enough and your pet might need something more holistic. So yes, you may be surprised but this is for real. With Animalia Premium pack, Acupuncture, Chiropractic, Homeopathic, hydrotherapy, as well Physical therapy, are all part of the deal.

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Are prescription meds covered? 

As more drugs are approved for a variety of medical conditions your cat or dog may be diagnosed with, pets are enjoying a higher quality of life, increased wellness and longer lives. But like all prescriptions, they can sometimes be costly. Very costly. So, make sure they’re all covered. 

How about pre-existing conditions?

A pre-existing condition refers to any injury, illness, or irregularity noticed by you or your Vet before the end of your waiting period. Most pet insurance companies won’t cover them. But what about curable conditions, like an ear or urinary tract infection, which showed no symptoms for 12 months? Animalia will cover those as well as chronic diseases (like cancer or diabetes) with symptoms first shown after the waiting period is over.

Is there a waiting period? 

Some plans have extended waiting periods of up to a year on specific illnesses. At Animalia, we don’t believe in cooling off for that long. That’s why we have only a 5-day waiting period. Period. For illnesses too. 

Will my premium change after filing a claim?

Or in other words, will you get punished for filing claims in the past? With Animalia, your premium will not be affected by your claim history.  

How’s the claim process?

The last thing you need when your pet is under the weather is to handle a mountain of paperwork that could take forever. You need an insurance company that will take away the red tape at least. Our motto in Animalia is “We Work, You Don’t”. That means all you need to do is describe what happened, attach the receipt from the Vet, and…The End!

How fast will I get reimbursed?

Paying the Vet upfront and waiting too long for claim reimbursement could be quite disappointing. Animalia pays. Fast. No hidden fees, no surprises. In fact, 95% of claims are reimbursed in less than a week. That means you may receive your funds before your credit card statement even arrives!  

Last but not least – how’s the customer experience?

When you’re shopping around for pet insurance, you should consider how easy it is to submit a claim, preferably online. And not less importantly, remember that a company is only as good as its customer service department. If you can’t reach a representative, or if they are unable to answer your questions, you’d probably be better off searching out a new provider. 


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