Guides

Short, sourced answers to the questions behind the numbers.

Deductible vs Reimbursement: How Pet Policy Terms Trade OffHow the deductible, reimbursement share and annual limit change a pet insurance payout, with Forbes Advisor's published price for each limit. How Pet Insurance Works: Premiums, Claims and PayoutsHow a reimbursement pet policy pays: premium, deductible, reimbursement share and limit, worked through Fetch's published claim examples. Is Pet Insurance Worth It? The Break-Even MathA year of premiums against published vet bills: the break-even formula, worked with NAPHIA averages and Trupanion and Healthy Paws claim figures. Pet Insurance Cost by Age: Published AveragesHow premiums rise with age in Forbes Advisor's and Insurify's published averages for dogs and cats, from puppies and kittens to seniors. Pet Insurance Waiting Periods: What the Model Law AllowsUnder the NAIC Pet Insurance Model Act, illness and orthopedic waiting periods are capped at 30 days, accidents get none, and an exam can waive them. Pre-Existing Conditions and Pet InsuranceHow the NAIC model act defines a pre-existing condition, what insurers must disclose about hereditary exclusions, and why breed matters.