It's a simple fact: Mishaps occur, and your pet can get sick. That's why there's pet insurance to help you cover the cost of treating your dog or cat's unexpected illnesses, accidents and injuries

What is pet insurance?

Unlike Progressive's Pet Injury coverage, which comes complimentary with Collision coverage and provides protection up to $1,000 if your pet is injured while in the car with you, pet health insurance offers more far-reaching coverage for illnesses, prescribed medications, hospitalization, accidents (that aren't limited to riding in the car) and more.

Knowing you can provide your pet with the best care is even more important during hard economic times. Pet insurance can save you lots of money.

How does pet insurance work?

Most pet health insurance plans offer a simple reimbursement option: Once you meet your per-incident pet insurance deductible, 80 percent of your veterinary bill is paid back to you for all qualified illnesses and injuries.

On top of this, the cost for pet insurance can be as low as $20 per month.

Pet health insurance plans can include coverage for the following:

• Annual exams
• Teeth cleaning
• Vaccinations
• Illnesses, accidents and injuries
• Prescription medications
• Hospitalization
• Surgeries
• Cancer treatments
• After-hours emergency
• Visits to specialists
• Acupuncture and chiropractic
• MRI, CT scans and X-rays

The following conditions and items are not covered by pet insurance:

• Pre-existing (unless cured, then eligible after six months)
• Congenital conditions (if present at birth)
• Preventive, elective and cosmetic procedures
• Boarding and grooming
• Food, including prescription food
• Supplements and vitamins

Pet insurance makes health care more affordable because, at its core, pet insurance is merely a way to budget a small amount in anticipation of a large veterinary bill. When you purchase pet insurance, you're buying peace of mind in the event that something may happen to your beloved pet.

Remember that it's important to buy pet health insurance when your pet is healthy, rather than when signs of illness have already started to show, because pet insurance only covers conditions that have developed after coverage is purchased.

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