What pet insurance covers

Pet insurance plans vary more than most people expect. Here is what each tier typically includes.

By the InsuranU team Updated July 20264 min read

Pet insurance is not one product. The tier U choose changes what is actually covered.

Accident-only

The most affordable tier, covering injuries from accidents like broken bones or swallowed objects, but not illnesses.

The most common tier, adding coverage for illnesses like infections, cancer and chronic conditions on top of accidents.

Compare matched options in a few minutes. It is free and there is no obligation.

The fine print worth reading before you enroll.

How routine-care add-ons actually work.

See the real ranges, with a live estimator.

Does every plan cover illness?

No. Accident-only plans exist specifically to skip illness coverage for a lower price.

Can I add wellness coverage later?

Sometimes, though enrolling with it from the start is often simpler.

Tell us about your pet and your life. We will match you with quotes built around U.