PET Insurance in Vermont

What is Pet Insurance?

Pets, like people, need medical treatment from time to time. Pet insurance helps dog and other pet owners in Vermont pay for covered veterinary care that their furry friends need.

Pet insurance is a highly specialized form of insurance. Most policies are purchased as stand-alone policies and offer several coverage options that pet owners can select.

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Who in Vermont Needs Pet Coverage?

Most Vermont residents who own pets can benefit from getting pet coverage. For many pet owners, coverage can help make potentially costly veterinary procedures more affordable. Even for those who can afford to pay multi-thousand-dollar bills, having coverage still helps remove the stress that comes with deciding how much to spend on a sick or injured pet.

What Do Pet Policies Cover?

Pet policies generally pay a portion of covered veterinary bills. What qualifies as a covered bill can vary from one policy to another. Some policies may cover:

  • Injuries sustained in accidents
  • Illnesses contracted by pets
  • Hereditary conditions
  • Behavioral issues

Unlike many health insurance policies that include coverage for preventative care, pet policies often don’t offer preventative care coverage as a standard protection. Instead, coverage for vaccines, screenings and other qualifying preventative treatments is usually offered as an optional protection.


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Do Pet Policies Include Dental Coverage?

Pet policies might offer dental coverage as either a standard or an optional protection. Additionally, policies that do provide dental coverage might distinguish between dental disease and routine dental cleanings. The two may be covered differently.

Do Pet Policies Cover Pre-Existing Conditions?

Most pet policies don’t include coverage for pre-existing conditions. Policies also usually don’t cover cosmetic procedures.

What is an Accident-Only Pet Policy?

Accident-only pet policies are some of the most basic pet policies. These policies frequently only offer coverage for injuries arising from accidents. For example, an accident-only policy might cover injuries sustained if a pet eats a sharp object, runs into the street or get into a fight with another animal.

Accident-only policies often have lower premiums than other types of pet policies because accident-only policies offer more limited protection.

What Factors Are Pet Policies’ Premiums Based On?

Insurance companies consider many different factors when setting premiums for pet policies. Some of the factors they take into account are the:

  • Location where a pet is kept
  • Species that a pet is
  • Breed that a pet is
  • Age of a pet

Generally speaking, pet coverage is quite affordable. Exact rates vary, but coverage is often available at a reasonable rate -- and for much less than a major claim might cost.

What Breeds Do Dog Insurance Policies Cover?

Dog insurance policies cover a wide range of breeds. Policies are widely available for most standard breeds, and many insurance companies also offer dog insurance policies that cover mixed breeds or mutts.

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Do Pet Policies Have Deductibles?

Like many other insurance policies, pet policies frequently come with deductibles. Deductibles are often given as annual deductibles that must be met within a calendar or policy year before the policy will begin helping with covered payments.

Once a policy’s annual deductible is met, the policy will typically pay a percentage of covered veterinary bills for the remainder of the year or until the policy’s limit is reached. The deductible, covered percentage and coverage limit can often be selected when purchasing a policy.

How Can Pet Owners in Vermont Get Pet Insurance?

Because pet policies are so specialized, pet owners should seek the assistance of a knowledgeable insurance agent when comparing policies. An agent who specializes in this type of insurance will know what types of coverage are available, and they’ll be able to explain each coverage’s protections.

If you’re in Vermont and need help finding a pet policy, contact the team at Paige & Campbell Insurance. Our team has helped many pet owners in the state find coverage, and we’re here to assist you with pet insurance too.

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