{"id":8647,"date":"2022-02-28T12:56:21","date_gmt":"2022-02-28T18:56:21","guid":{"rendered":"https:\/\/www.guaranteedrateinsurance.com\/?page_id=8647"},"modified":"2025-10-17T17:21:43","modified_gmt":"2025-10-17T22:21:43","slug":"pet-insurance","status":"publish","type":"page","link":"https:\/\/www.rate.com\/insurance\/pet-insurance\/","title":{"rendered":"Pet Insurance"},"content":{"rendered":"\t<div class=\"wp-block block-hero hero-v2 hero-refresh  bg-white \">\n\t\t<div class=\"row align-items-center\">\n\t\t\t<div class=\"col-lg-6 col-xl-5 order-2\">\n\t\t\t\t<div class=\"caption-overlay text-center text-lg-left\">\n\t\t\t\t\t\t\t\t\t\t\t<h1 class=\"title-hero\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<small>Pet Insurance<\/small>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tGet easy, reliable pet insurance with just a few clicks\t\t\t\t\t\t<\/h1>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"hero-copy lead\">\n\t\t\t\t\t\t\tShop, compare, and protect your pet online. Get up to 90% cash back on vet bills, a 10% multi-pet discount, and 24\/7 access to pet telehealth. Visit any vet nationwide with coverage you can count on.\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/spotpet.com\/partners\/rateinsurance?utm_source=rateins&#038;utm_medium=affiliate&#038;pcode=SPOT_RATEINS\"  target=\"_blank\" class=\"btn btn-lg btn-primary\">\n\t\t\t\t\t\t\t\tExplore pricing options\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n                            <picture class=\"hero-img col-lg-6\">\n                    <source media=\"(min-width: 768px)\" data-srcset=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2025\/07\/Untitled-723-x-512-px-11.png 723w, https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2025\/07\/Untitled-723-x-512-px-11-200x142.png 200w\">\n                    <source data-srcset=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2025\/07\/Untitled-723-x-512-px-11.png 723w, https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2025\/07\/Untitled-723-x-512-px-11-200x142.png 200w\">\n                    <img data-src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2025\/07\/Untitled-723-x-512-px-11.png\" class=\"img-fluid lazyload\" alt=\"\">\n                <\/picture>\n            \n                    <\/div>\n\n\t<\/div>\n\n\t<div class=\"wp-block block-logos bg-200\">\n        <div class=\"container\">\n            <div class=\"content-logos\">\n                                    <h2 class=\"title-block mb-1 mb-md-0\">\n                        Rate Insurance has teamed up with Spot to make quoting and buying pet coverage online fast, easy, and affordable.                    <\/h2>\n                                <ul class=\"list-unstyled list-logos row mb-0  justify-content-center\">\n                                                <li class=\"\">\n                                                                <img data-src=\"\" width=\"0\" height=\"0\" alt=\"Nationwide\" class=\"img-fluid lazyload\">\n                                                            <\/li>\n                                                <li class=\"\">\n                                                                    <a href=\"https:\/\/spotpet.com\/partners\/rateinsurance?utm_source=rateins&#038;utm_medium=affiliate&#038;pcode=SPOT_RATEINS\">\n                                                                <img data-src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2024\/11\/Spot-Pet-Insurance_idnvRjYnka_0-1-e1731603924471.png\" width=\"250\" height=\"114.5\" alt=\"\" class=\"img-fluid lazyload\">\n                                                                    <\/a>\n                                                            <\/li>\n                                    <\/ul>\n                                            <\/div>\n        <\/div>\n\t<\/div>\n\n\n\n\t<div class=\"wp-block block-testimonials v2\">\n        <div class=\"container\">\n                            <div class=\"title-block\">\n                    <h2 style=\"text-align: center\"><span class=\"text-brand-base\">4.9 stars<\/span><br \/>\nrating from 5k+ Google verified reviews<\/h2>\n<p style=\"text-align: center\">We\u2019ve helped thousands find the perfect insurance and we\u2019d like to help you too.<\/p>\n                <\/div>\n                                    <div class=\"v2-swiper-wrapper\">\n                <div class=\"static-testimonials swiper-testimonials-v2\">\n                    <ul class=\"list-unstyled list-quotes\">\n                        \t\t\t\t\t\t\t<li class=\"swiper-slide\">\n                                <blockquote class=\"blockquote order-2\">\n                                    <div class=\"quote-excerpt\">Friendly, knowledgeable and just plain awesome&#8230;<\/div>\n\t\t\t\t\t\t\t\t    <p>The team at Rate Insurance continues to exceed our expectations by far. From day one, the insurance experts have been customer friendly, knowledgeable and just plain awesome. They care about you in every way.\u201d<\/p>\n                                    <footer class=\"blockquote-footer\">Henry P                                                                                    <strong class=\"d-block verified\">Verified Customer<\/strong>\n                                                                            <\/footer>\n                                <\/blockquote>\n\t\t\t\t\t\t\t<\/li>\n                        \t\t\t\t\t\t\t<li class=\"swiper-slide\">\n                                <blockquote class=\"blockquote order-2\">\n                                    <div class=\"quote-excerpt\">No one tried to &#8220;sell&#8221; me\u2026<\/div>\n\t\t\t\t\t\t\t\t    <p>Everyone I dealt with knew my name, knew my coverage and answered my questions in terms I could grasp. No one tried to &#8220;sell&#8221; me. I will continue to do business with these people, now and in the future.\u201d<\/p>\n                                    <footer class=\"blockquote-footer\">Christopher J                                                                                    <strong class=\"d-block verified\">Verified Customer<\/strong>\n                                                                            <\/footer>\n                                <\/blockquote>\n\t\t\t\t\t\t\t<\/li>\n                        \t\t\t\t\t\t\t<li class=\"swiper-slide\">\n                                <blockquote class=\"blockquote order-2\">\n                                    <div class=\"quote-excerpt\">was fantastic to work with&#8230;<\/div>\n\t\t\t\t\t\t\t\t    <p>Guaranteed Insurance was fantastic to work with both as a partner and as a client.\u201d<\/p>\n                                    <footer class=\"blockquote-footer\">Nathan M                                                                                    <strong class=\"d-block verified\">Verified Customer<\/strong>\n                                                                            <\/footer>\n                                <\/blockquote>\n\t\t\t\t\t\t\t<\/li>\n                        \t\t\t\t\t<\/ul>\n                <\/div>\n                \n                            <\/div>\n\t\t<\/div>\n\t<\/div>\n\n\n\t<div class=\"wp-block block-columns container \">\n\t\t            <header class=\"header-section \">\n\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t<h2>What is pet insurance and how does it work?<\/h2>\n<p>Pet insurance can help cover the cost of eligible veterinary care for your pet. Spot Pet Insurance plans offer a range of benefits to help make pet healthcare more affordable and accessible.<\/p>\n<p>Most pet insurance\u00a0plans are customizable, meaning that pet parents can select an annual deductible, annual limit, and reimbursement rate from a range of options. This helps pet families choose a plan that can help cover the needs of their pet and fit within their budget.<\/p>\n<p>There are three main types of pet insurance coverage:<\/p>\n\t\t\t\t<\/div>\n            <\/header>\n\t\t\t\t\t\t\t<div class=\"row mx-md-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"item-column col-md-6\">\n                            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title-content\">\n\t\t\t\t\t\t\t\t\tAccident only coverage\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>&nbsp;<\/p>\n<p>Accident-only plans offer basic coverage for veterinary expenses related to the treatment of unexpected accidents like injuries from falls, fights, or car accidents. The most affordable plan option, it typically includes vet exam fees, diagnostics like X-rays and MRIs, surgery,\u00a0hospitalization, medications, and some alternative therapies.<\/p>\n<p>&nbsp;<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"item-column col-md-6\">\n                            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title-content\">\n\t\t\t\t\t\t\t\t\tAccident and illness coverage\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>This more comprehensive plan includes everything covered under accident-only plans, plus veterinary expenses related to illnesses. This can encompass a wide range of health issues such as infections, hereditary conditions,\u00a0cancer, diabetes, and even behavioral problems.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"item-column col-md-6\">\n                            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title-content\">\n\t\t\t\t\t\t\t\t\tWellness and preventative care coverage\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Preventive care coverage cannot be purchased alone; it&#8217;s an add-on to a base plan (either accident-only or accident and illness). It helps cover routine and preventive care services such as vaccinations, annual check-ups, dental cleanings, and\u00a0flea\/heartworm prevention.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"item-column col-md-6\">\n                            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n            \n            <div class=\"wp-block block-carousel container\" id=\"swiperBlock\">\n                                    <h2 class=\"title-section mb-3\">Meet the Pets of Rate Insurance<\/h2>\n                                <div class=\"v2-swiper-wrapper\">\n                    <div class=\"swiper\">\n                        <div class=\"swiper-wrapper\">\n                                                                <div class=\"swiper-slide\">\n                                        <div class=\"swiper-slide-wrapper\">\n                                                                                            <img decoding=\"async\" src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2022\/02\/Goose_Silver_Lab@2x.jpg\" srcset=\"\" class=\"img-fluid\" alt=\"\">\n                                                                                                                                        <p class=\"figcaption\">Goose &#8211; Chicago, IL<\/p>\n                                                                                    <\/div>\n                                    <\/div>\n                                                                <div class=\"swiper-slide\">\n                                        <div class=\"swiper-slide-wrapper\">\n                                                                                            <img decoding=\"async\" src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2022\/02\/Oscar@2x.jpg\" srcset=\"\" class=\"img-fluid\" alt=\"\">\n                                                                                                                                        <p class=\"figcaption\">Oscar &#8211; Seattle, WA<\/p>\n                                                                                    <\/div>\n                                    <\/div>\n                                                                <div class=\"swiper-slide\">\n                                        <div class=\"swiper-slide-wrapper\">\n                                                                                            <img decoding=\"async\" src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2022\/02\/Miley@2x.jpg\" srcset=\"\" class=\"img-fluid\" alt=\"\">\n                                                                                                                                        <p class=\"figcaption\">Miley &#8211; Chatham, NJ<\/p>\n                                                                                    <\/div>\n                                    <\/div>\n                                                                <div class=\"swiper-slide\">\n                                        <div class=\"swiper-slide-wrapper\">\n                                                                                            <picture>\n                                                    <source media=\"(min-width: 992px)\" srcset=\"\">\n                                                    <source srcset=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2025\/07\/Untitled-design-2025-07-28T181835.321.png 539w, https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2025\/07\/Untitled-design-2025-07-28T181835.321-200x165.png 200w\">\n                                                    <img decoding=\"async\" src=\"\" class=\"img-fluid\" alt=\"\">\n                                                <\/picture>\n                                                                                                                                        <p class=\"figcaption\">Bailey &#8211;  Charleston, WV<\/p>\n                                                                                    <\/div>\n                                    <\/div>\n                                                    <\/div>\n                    <\/div>\n\n                                            <div class=\"d-flex align-items-center justify-content-center\">\n                            <div class=\"swiper-button-prev d-none d-lg-block\"><svg version=\"1.1\" width=\"21\" height=\"37\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" x=\"0\" y=\"0\" viewBox=\"0 0 12 20\" xml:space=\"preserve\"><g id=\"Symbols\"><g><path id=\"Path\" d=\"M11.7.3c-.4-.4-1.1-.4-1.6 0L.3 9.2c-.4.4-.4 1.1 0 1.6l9.8 8.9c.4.4 1.1.4 1.6 0 .4-.4.4-1.1 0-1.6l-9-8.1 9-8.1c.4-.4.4-1.1 0-1.6z\" fill-rule=\"evenodd\" clip-rule=\"evenodd\" fill=\"#25282a\"\/><\/g><\/g><\/svg><\/div>\n                            <div class=\"swiper-pagination\"><\/div>\n                            <div class=\"swiper-button-next d-none d-lg-block\"><svg version=\"1.1\" width=\"21\" height=\"37\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" x=\"0\" y=\"0\" viewBox=\"0 0 12 20\" xml:space=\"preserve\"><g id=\"Symbols\"><g><path id=\"Path\" d=\"M.3.3c.4-.4 1.1-.4 1.6 0l9.8 8.9c.4.4.4 1.1 0 1.6l-9.8 8.9c-.4.4-1.1.4-1.6 0-.4-.4-.4-1.1 0-1.6l9-8.1-9-8.1C-.1 1.5-.1.8.3.3z\" fill-rule=\"evenodd\" clip-rule=\"evenodd\" fill=\"#25282a\"\/><\/g><\/g><\/svg><\/div>\n                        <\/div>\n                                    <\/div>\n            <\/div>\n\n\n<div class=\"container wp-block block-related-posts\">\n                <aside class=\"post-aside post-tags text-xs \">\n                                    <h2 class=\"title-related\">Related Posts<\/h2>\n                                <ul class=\"list-unstyled row\">\n                                            <li class=\"col-md-6 col-lg-4\">\n                            \n<article class=\"rounded-lg post-8762 post type-post status-publish format-standard has-post-thumbnail hentry category-pet\" id=\"post-8762\">\n\n    <img loading=\"lazy\" decoding=\"async\" width=\"519\" height=\"330\" src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2022\/03\/Blog-Graphic-1027-x-441-30-519x330.png\" class=\"rounded-lg img-fluid mb-2 wp-post-image\" alt=\"pet insurance\" \/>\n\t<header class=\"entry-header mb-1\">\n        <div class=\"entry-meta text-xs\">\n            <span class=\"cat-links\"><a href=\"https:\/\/www.rate.com\/insurance\/category\/pet\/\" rel=\"category tag\">Pet<\/a><\/span>        <\/div><!-- .entry-meta -->\n\n\t\t<h2 class=\"entry-title h3\"><a href=\"https:\/\/www.rate.com\/insurance\/resources\/pet-insurance-101\/\" rel=\"bookmark\" class=\"text-dark\"><strong>Pet Insurance 101: Everything You Need to Know<\/strong><\/a><\/h2>\t<\/header><!-- .entry-header -->\n\n\t<div class=\"entry-content text-sm\">\n\t\t<p>As any pet owner can tell you, having a pet costs money. Food, all of the necessary gear, and routine veterinary care can add up quickly and emergency care or treatment for illness can be very costly. This is why more and more pet owners are turning to pet insurance policies. Here&#8217;s the 101 on how pet insurance works. <\/p>\n        <p><a href=\"https:\/\/www.rate.com\/insurance\/resources\/pet-insurance-101\/\" class=\"btn btn-sm btn-outline-primary\">Read more<span class=\"sr-only\"> about <strong>Pet Insurance 101: Everything You Need to Know<\/strong><\/span><\/a><\/p>\n\t<\/div><!-- .entry-content -->\n\n<\/article><!-- #post-## -->\n                        <\/li>\n                                            <li class=\"col-md-6 col-lg-4\">\n                            \n<article class=\"rounded-lg post-10687 post type-post status-publish format-standard has-post-thumbnail hentry category-pet\" id=\"post-10687\">\n\n    <img loading=\"lazy\" decoding=\"async\" width=\"519\" height=\"330\" src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2023\/04\/how-much-does-pet-insurance-cost-519x330.jpg\" class=\"rounded-lg img-fluid mb-2 wp-post-image\" alt=\"\" \/>\n\t<header class=\"entry-header mb-1\">\n        <div class=\"entry-meta text-xs\">\n            <span class=\"cat-links\"><a href=\"https:\/\/www.rate.com\/insurance\/category\/pet\/\" rel=\"category tag\">Pet<\/a><\/span>        <\/div><!-- .entry-meta -->\n\n\t\t<h2 class=\"entry-title h3\"><a href=\"https:\/\/www.rate.com\/insurance\/resources\/how-much-is-pet-insurance\/\" rel=\"bookmark\" class=\"text-dark\">How Much Is Pet Insurance?<\/a><\/h2>\t<\/header><!-- .entry-header -->\n\n\t<div class=\"entry-content text-sm\">\n\t\t<p>Many Americans consider pets to be part of the family, and with that comes the responsibility of caring for them\u2014providing them with the food, shelter, and medical care they need to live healthy lives. Pet insurance can help with those costs. <\/p>\n        <p><a href=\"https:\/\/www.rate.com\/insurance\/resources\/how-much-is-pet-insurance\/\" class=\"btn btn-sm btn-outline-primary\">Read more<span class=\"sr-only\"> about How Much Is Pet Insurance?<\/span><\/a><\/p>\n\t<\/div><!-- .entry-content -->\n\n<\/article><!-- #post-## -->\n                        <\/li>\n                                            <li class=\"col-md-6 col-lg-4\">\n                            \n<article class=\"rounded-lg post-10902 post type-post status-publish format-standard has-post-thumbnail hentry category-pet tag-pet-insurance\" id=\"post-10902\">\n\n    <img loading=\"lazy\" decoding=\"async\" width=\"519\" height=\"330\" src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2023\/08\/Blog-Graphic-1027-x-441-10-519x330.png\" class=\"rounded-lg img-fluid mb-2 wp-post-image\" alt=\"\" \/>\n\t<header class=\"entry-header mb-1\">\n        <div class=\"entry-meta text-xs\">\n            <span class=\"cat-links\"><a href=\"https:\/\/www.rate.com\/insurance\/category\/pet\/\" rel=\"category tag\">Pet<\/a><\/span>        <\/div><!-- .entry-meta -->\n\n\t\t<h2 class=\"entry-title h3\"><a href=\"https:\/\/www.rate.com\/insurance\/resources\/what-does-pet-insurance-cover\/\" rel=\"bookmark\" class=\"text-dark\">What does pet insurance cover?<\/a><\/h2>\t<\/header><!-- .entry-header -->\n\n\t<div class=\"entry-content text-sm\">\n\t\t<p>Advancements in veterinary medicine mean that our pets are living longer, healthier lives. There are expenses attached to this advanced care, and that\u2019s where pet insurance can help families manage the costs associated with keeping their furry family members healthy.<\/p>\n        <p><a href=\"https:\/\/www.rate.com\/insurance\/resources\/what-does-pet-insurance-cover\/\" class=\"btn btn-sm btn-outline-primary\">Read more<span class=\"sr-only\"> about What does pet insurance cover?<\/span><\/a><\/p>\n\t<\/div><!-- .entry-content -->\n\n<\/article><!-- #post-## -->\n                        <\/li>\n                                                        <\/ul>\n            <\/aside>\n            <\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":true,"inline_featured_image":false,"footnotes":""},"class_list":["post-8647","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How does pet insurance work? | Rate.com<\/title>\n<meta name=\"description\" content=\"Get pet insurance with Rate. 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