You should make sure you fully understand what you’re getting with a pet insurance plan before purchasing it. Become pet insurance savvy by reading over our pet insurance definitions and other important coverage information.

What Is Pet Insurance?

pet insurance[pet in-shoo r-uh ns]


1.   Reimbursement-based coverage for vet bills when your pet gets hurt or sick.

Note the part of our definition that says hurt or sick. Why do we define pet insurance this way? Because the majority of pet insurance plans do not include coverage for preventive care – they only cover costs associated with accidents, injuries, and illnesses. However, some providers allow you to add preventive care coverage to your plan for a little more money per month.

In case you’re on the fence about preventive care coverage, pet insurance providers that offer it usually allow you to add it at a later time if you skip it initially. With our plans, for instance, you can add preventive care coverage at the start of a new plan period.

How Much Will Pet Insurance Cover Me For?

The amount of coverage you get will depend on your plan’s coverage limits, deductible, and reimbursement percentage.

Asking yourself what those terms mean? Here’re our definitions:

coverage limits[kuhv-rij lim-its]


1.   The maximum amount a pet insurance provider will pay for your claims.

Not all coverage limits are the same. Having an annual coverage limit versus a per-incident coverage limit makes a big difference. Be certain you know what kind a pet insurance provider offers before enrolling in one of their plans.

If you go with a plan that allows you to choose a higher annual coverage limit, you’re likely to get more coverage overall than you would with a plan that has a per-incident limit.

deductible[dih-duhk-tuh-buh l]


1.   The amount you must pay for covered veterinary costs before you can start being reimbursed.

There are also annual and per-incident deductibles. As you probably guessed, an annual deductible will allow you to be covered for more than a per-incident deductible would, because an annual deductible only has to be met once per plan period rather than for each claim.

reimbursement percentage[ree-im-burs-muh nt per-sen-tij]


1.   The percentage of covered costs paid back to you after your deductible is satisfied.

Typically, pet insurance providers reimburse customers for a percentage of the covered veterinary costs. This is after the deductible is met, of course. It’s important to know what your reimbursement options are. Most pet insurance providers offer reimbursement percentages from 70-100%.

Pet Insurance Pre-existing Conditions

Pre-existing conditions are not typically covered by pet insurance providers. Each provider may have their own definition of a pre-existing condition.

pre-existing condition[pree-ig-zist-ing kuh n-dish-uh n]


1.   A health problem that first occurs or shows symptoms before coverage is effective or during a waiting period.

For instance, we will no longer consider a condition to be pre-existing if your pet has been cured of it and free of symptoms and treatment for 180 days. Therefore, the condition could be eligible for coverage at a later point in time. We have an exception to this for knee and ligament conditions. If a knee or ligament condition occurs before the coverage effective date or during a waiting period, any future ones won’t be covered. However, if your pet has no history of knee or ligament conditions prior to enrolling or during a waiting period, future knee and ligament conditions may be eligible for coverage.

It's best to enroll your pet as early as possible to avoid future conditions being considered pre-existing.

Pet Insurance Waiting Period

Waiting periods apply to many pet insurance plans, so that is something you’ll want to check for when researching coverage offered by different companies.

What is a waiting period?

waiting period[wey-ting peer-ee-uh d]


1.   The amount of time that must pass before coverage can start.

For example, we have a 14-day waiting period for all coverage included in Complete CoverageSM and Accident-Only Coverage. Coverage for Preventive Care starts on the policy effective date.

Want more details and rates for Hartville Pet Insurance plans? Get a quote now.