Quick Answer: Pet insurance reimburses you for covered vet bills, from accidents and illness to surgery, so an unexpected diagnosis does not become an impossible choice. Most plans run roughly $25 to $60 a month for a dog and $15 to $40 for a cat, depending on age, breed, and the coverage you choose. We shop multiple A-rated carriers to match your pet and your budget. Call 833-776-4671 or text quoteme to 312-878-9416 to compare options.
What Pet Insurance Covers
From emergencies to routine care. Coverage varies by plan and carrier.
Accidents & Emergencies
Broken bones, lacerations, toxic ingestion, and unexpected injuries, covered from the start of your policy.
Illness & Disease
Cancer, diabetes, heart disease, infections, and chronic conditions are eligible for reimbursement under illness plans.
Diagnostics & Surgery
X-rays, MRIs, lab work, specialist consultations, and surgical procedures under comprehensive plans.
Wellness & Preventive
Annual exams, vaccines, flea and tick prevention, and dental cleanings, available as an optional wellness add-on.
How Much Does Pet Insurance Cost?
As an independent agency, we shop multiple carriers to find your best fit. Actual pricing depends on your pet's breed, age, and location, plus the deductible and reimbursement level you choose.
| Pet | Typical Monthly Range | What Moves The Price |
|---|---|---|
| Dog | $25 to $60 / month | Breed, age, accident-only vs. full illness coverage |
| Cat | $15 to $40 / month | Age, indoor vs. outdoor, reimbursement level chosen |
| Wellness Add-On | $10 to $25 / month | Optional routine-care coverage on top of a base plan |
Ranges are general estimates for 2026. Your quote may fall outside these depending on your pet and plan choices.
Why Choose Pro Insurance Group
What Our Clients Say
Pet Insurance FAQs
Are pre-existing conditions covered?
Most pet insurance plans do not cover pre-existing conditions, meaning ones your pet had before the policy start date. However, some curable conditions may become eligible after a symptom-free waiting period. We will walk through your pet's history to find the best available fit.
Is there a waiting period before coverage begins?
Most plans have a short waiting period, typically around 14 days for illnesses and 2 to 3 days for accidents. Some carriers have longer waiting periods for orthopedic conditions. We will make sure you understand exactly when coverage kicks in before you enroll.
Can I use any veterinarian?
Yes. Most carriers we work with let you visit any licensed veterinarian in the U.S., including specialists and emergency clinics, with no network restrictions. You pay the vet, submit the claim, and get reimbursed directly to your bank account.
How does reimbursement work?
You pay your vet at the time of service, then submit a claim online or through the carrier's app. Most claims are processed within a couple of days, and reimbursement is deposited directly to your bank account based on your plan's coverage percentage, typically 80 to 90% after your deductible.
Can I bundle pet insurance with my home or auto policy?
Often yes, and we would recommend it. Adding pet insurance alongside an existing home or auto policy can save up to 15% across your entire bundle. It is one of the most overlooked ways to reduce your total insurance costs.
What dog and cat breeds are eligible?
All breeds are eligible, including French Bulldogs, Pugs, Maine Coons, and others some carriers exclude. Certain breeds may be priced differently based on health predispositions, but no breed is turned away outright. We will find you the best rate regardless of breed.
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Get A Pet Quote Call 833-776-4671Reviewed by Dave Rysavy
VP, Personal Lines · Pro Insurance Group. Dave helps Illinois families protect every member of the household, including the four-legged ones.