Pet insurance

Pet Insurance

Veterinary care has become increasingly expensive, and unexpected health problems can cost thousands without warning. Pet insurance helps you afford the care your dog or cat needs when illness or injury strikes, removing the financial stress from difficult decisions about your pet's health. Unlike human health insurance, most pet insurance works on a reimbursement basis—you pay the vet, then file a claim to get money back.

Coverage typically includes accidents and illnesses, from broken bones and ingested objects to cancer treatments and chronic conditions. Many policies cover diagnostic tests, surgeries, medications, and emergency care at veterinary clinics throughout Lubbock and beyond. Some plans include wellness coverage for routine care like vaccinations, dental cleanings, and annual exams, though these benefits cost more and might not provide value depending on your pet's needs.

Pre-existing conditions are typically excluded, which is why insuring your pet when they're young and healthy makes sense. Once your pet is diagnosed with a condition, that specific issue won't be covered if you purchase insurance afterward. Breed-specific conditions may face waiting periods or exclusions, so understanding what your policy covers before you need it prevents surprises when you file claims.

Choosing pet insurance involves balancing monthly premiums, annual deductibles, reimbursement percentages, and annual limits. Higher premiums typically mean lower out-of-pocket costs when you file claims, while lower premiums leave you paying more when your pet needs care. We can help you understand different policy structures and find coverage that fits your budget while providing meaningful protection for your pet's health needs. The goal is peace of mind knowing you can afford the care your pet deserves without emptying your savings for a single emergency.