What Does Pet Insurance Cover? (Complete Guide)

Pet insurance covers medical costs like medicine, surgery, and hospitalization for accidents and illnesses, but not pre-existing conditions or routine care unless a wellness add-on is purchased. Plans vary: accident and illness coverage is broadest, accident-only covers injuries, and wellness plans cover preventive care. Costs depend on pet age, breed, location, and coverage level. Most policies reimburse after deductibles and waiting periods.