PET PARENTS TRYING TO FIGURE OUT WHETHER OR NOT TO PURCHASE PET INSURANCE

​When looking for a plan the important question is: what are your pet(s) needs, the policy you're considering purchasing should provide the coverage your pet(s) need. Your veterinarian would be a good resource to help you understand pet insurance and which plan would be the right fit for you and your pet(s). Most pet insurance companies offer three main plans that vary in what they will cover:
Accident-only pet insurance plans
Accident and illness plans
Wellness/preventive pet insurance plans

Accident-only pet insurance plan covers costs associated with accidents, including some emergency veterinary expenses. Be very careful often, there is a misconception that everything emergency is covered by accident-only plans. Your idea of an accident and the insurance company's idea of an accident might be very different, read the fine print. Make sure you understand the deductible 

Accident and Illness Pet Insurance Coverage generally covers both accident and health conditions like 
diabetes, joint disease, and cancers.

Pet wellness plans: This is sold as an add-on to traditional accident accidents and illness. This plan can be purchased as a standalone policy. Wellness plans cover routine vaccinations, annual checkups, heartworm testing, and parasite prevention medications for heartworms, fleas, and ticks. Not all plans cover dental care. They might cover dental cleanings but no tooth extraction. The tooth extraction might be covered under accident and illness policy.