glvh recommends the following

get it asap, TIMING MATTERS!

The best coverage and rates are for new healthy puppies and kittens. Most companies offer a trial period so sign up within 24 hours of your first vet visit.

understand your policy

Do you have a deductible?

What percent is paid out? Who gets paid?

Almost no policy has full coverage so to avoid surprises know your numbers in advance. In most cases the client pays the vet bill and the insurance pays to the client.

Not for Everyone

Having a financial plan for your pet is recommended. Savings may be another way. This can work for accident and illness but can quickly be depleted with chronic conditions or complicated cases. In 2025 the average cost of an emergency pet visit was listed as $500-$5000.