Real vet costs for emergencies, surgeries, chronic conditions, and routine care — so you know exactly what you're protecting against.
Showing 20 conditions
Initial emergency visit, triage, and stabilization at an emergency animal hospital.
Gastric dilatation-volvulus is life-threatening and requires immediate surgery. Common in large deep-chested breeds.
Surgical removal of swallowed objects — toys, bones, socks. One of the most common pet emergencies.
Treatment for ingestion of toxic substances including chocolate, xylitol, grapes, or household chemicals.
Trauma care including X-rays, surgery, and hospitalization for injuries from vehicle accidents.
Tibial plateau leveling osteotomy — the gold-standard surgery for torn cruciate ligaments. Often needed in both knees.
Total hip replacement or femoral head ostectomy for severe hip dysplasia. May be needed in both hips.
Intervertebral disc disease surgery — critical for Dachshunds, Corgis, and other chondrodystrophic breeds.
Surgical removal of tumors plus chemotherapy or radiation. Cancer affects 1 in 4 dogs and 1 in 5 cats.
Phacoemulsification surgery to restore vision. Common in older dogs and certain breeds like Poodles.
Brachycephalic obstructive airway syndrome correction for flat-faced breeds. Often needed before age 2.
Ongoing insulin, syringes, glucose monitoring, and regular vet visits for diabetic pets.
Prescription food, fluids, medications, and monitoring for chronic kidney disease — affects 30% of cats.
Daily medication (methimazole) or radioactive iodine treatment for hyperthyroid cats.
Allergy testing, immunotherapy, Apoquel or Cytopoint injections, and medicated shampoos.
Anti-seizure medications (phenobarbital, potassium bromide) and regular blood monitoring.
Annual physical exam, core vaccines, heartworm test, and flea/tick prevention discussion.
Professional dental cleaning under anesthesia. Recommended annually for most pets.
One-time surgical sterilization. Cost varies significantly by pet size and location.
Diagnostic imaging for bones, chest, or abdomen. Often needed alongside illness or injury treatment.
With a typical accident & illness plan (90% reimbursement, $250 deductible), here's what you'd actually pay out of pocket for common scenarios.
After $250 deductible + 10% co-pay
Unlimited plan — no annual cap hit
Annual deductible already met
The best time to get pet insurance is before your pet needs it. Compare plans now and lock in coverage while your pet is healthy.