SmartCover Guide

Do You Need Pet Insurance in 2025? What It Covers & When It Pays Off Vet bills are rising fast — and pet parents are feeling the pinch. In 2025, more people are turning to pet insurance to protect their furry family members. 🐾 What Does Pet Insurance Cover? ✅ Accidents & injuries (broken bones, bites) ✅ Illnesses (cancer, diabetes, infections) ✅ Emergency surgeries ✅ Prescription medications ✅ Hospital stays ✅ Hereditary conditions (with waiting periods) Optional coverage may include: Dental care Behavioral therapy Alternative treatments (acupuncture, laser) Routine care (vaccines, flea meds) 💸 What It Costs Pet Type Average Monthly Premium (2025) Dog $45–65 Cat $25–40 ⚖️ Is It Worth It? YES , if: Your pet is young and healthy You want peace of mind for emergencies You live in a city with high vet costs You’d struggle to cover a $3,000 surgery MAYBE NOT , if: Your pet is very old or ...

What Does Pet Insurance Cover (And Is It Worth It in 2025?) If you're a pet parent, you already know: vet bills in 2025 aren’t cheap. But is pet insurance the solution? And what exactly does it cover? 🐶 What Pet Insurance Typically Covers Coverage Type Description ✅ Accidents Broken bones, cuts, poisoning, swallowed objects ✅ Illnesses Cancer, infections, chronic conditions, hereditary issues ✅ Surgery Emergency and specialist surgeries ✅ Prescription Meds Ongoing meds for recovery or chronic illness ✅ Diagnostic Tests X-rays, MRIs, blood work ✅ Hospitalization Overnight vet stays and intensive care ✅ Alternative Therapy Acupuncture, hydrotherapy, chiropractic (some plans) 🛑 What’s Not Covered (Usually) Pre-existing conditions Routine checkups & vaccines (unless wellness add-on) Cosmetic procedures (declawing, tail docking) Breeding or pregnancy Food & supplements 💡 Is It Wo...