Many pet owners may believe that pet insurance is true medical insurance. But it's actually a form of property insurance that reimburses owners for their pet's veterinary costs. Pet insurance policies usually cover 80% of costs for eligible expenses after the deductible.

Owners realize that they can take their pet for treatment, pay the bill and submit a claim for reimbursement. Then the insurance company reimburses the policyholder (as outlined in the policy) for treatment of their pet's illnesses and injuries.

Pet Insurance Regulation

Each state's department of insurance is responsible for regulating pet health insurance while human medical insurance is subject to federal regulations. Pet insurance regulation is simpler than medical insurance.

All pet insurance policy forms, rates and rules are subject to extensive review before being approved by the states in which they are available.

Insurance Company Pays a Portion

One of the benefits of pet insurance is that the insurance company pays a portion of the costs incurred.

Many pet health insurance plans are a form of fee-for-service indemnity insurance that allows the pet owner to:

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