Understanding Pet Insurance: How It Works & Why It Matters

At Monarch Veterinary Hospital, we believe every pet deserves access to high-quality care—especially when the unexpected happens. Pet insurance helps families prepare for sudden illnesses or injuries, reducing financial stress and ensuring pets get the care they need.

What Is Pet Insurance?

Pet insurance covers a portion of veterinary costs for dogs and cats. Most policies reimburse for:

  • Accidents (injuries, broken bones, foreign body ingestion)

  • Illnesses (infections, chronic conditions, digestive issues)

  • Emergency and specialty care

  • Diagnostics (bloodwork, x-rays, ultrasounds)

  • Medications and treatments

Some plans also offer optional wellness coverage for routine care like vaccines, exams, and dental cleanings.

Coverage varies by provider. Be sure to review any policy carefully—especially exclusions for pre-existing conditions and breed-specific issues.

How Pet Insurance Differs from Human Health Insurance

Unlike human health insurance, pet insurance typically uses a reimbursement model:

  • No provider networks or referrals

  • No direct billing to insurance companies

  • No standard copay structures

Pet owners pay for care at the time of service, then submit a claim to their provider. Reimbursement is issued based on the plan’s terms.

Recommended Provider: Trupanion

While Monarch Veterinary Hospital does not sell insurance, we recommend Trupanion as a trusted and reliable pet insurance provider. Their clear coverage options and direct payment to veterinarians help simplify the reimbursement process. Many of our clients have expressed confidence in Trupanion’s comprehensive plans and excellent customer support.

For more information, please visit Trupanion’s website.

Need More Information?

Monarch Veterinary Hospital does not sell or manage insurance policies. For specific questions or plan comparisons, contact providers directly. Most offer online tools and support to help determine the best fit for your pet.