Skip to Primary Content

Northampton Veterinary Clinic

Orange Cat Laying in Wooden Cat House

Pet Insurance

Dog Kissing Man using his Laptop Outside

How Pet Insurance Works

Pet insurance pays, partly or in total, for veterinary treatment of the insured person’s ill or injured pet. Some policies will pay out when the pet dies, or if it is lost or stolen.

As veterinary medicine is increasingly employing expensive medical techniques and drugs, and owners have higher expectations for their pets’ health care and standard of living than previously, the market for pet insurance has increased.

Contact Us

Policy Comparison

Pet insurance companies are beginning to offer pet owners more of an ability to customize their coverage by allowing them to choose their own level of deductible or co-insurance. This allows the pet owner to control their monthly premium and choose the level of coverage that suits them the best.

Dog Lying Down Scratching Ears

Some of the differences in insurance coverage are:

  • Whether congenital and hereditary conditions (like hip dysplasia, heart defects, eye cataracts or diabetes) are covered;

  • How the reimbursement is calculated (based on the actual vet bill, a benefit schedule or usual and customary rates);

  • Whether the deductible is on a per-incident or an annual basis;

  • Whether there are any limits or caps applied (per incident, per year, age or over the pet’s lifetime); and

  • Whether there is an annual contract that determines anything diagnosed in the previous year of coverage is considered pre-existing the next year.

A Couple with their Dog at the Dining Table

We recommend two different pet insurance companies: Embrace Pet Insurance and Trupanion Pet Insurance

We recommend you visit each website to learn about the plans each has to offer.

If you select a different pet insurance policy we are more than happy to work with that insurance company as well.