Does pet insurance cover emergency visits?

[Narwal]

You all have been so helpful with my pet insurance questions as we get close to making a purchasing decision; I'm very grateful. I do have one last question: does pet insurance typically cover emergency visits, or is that something you can purchase as an add-on if not?

 

[Kimberly Alt]

When you say "emergency visits," are you referencing the emergency office exam fee? Or do you mean unexpected trips to the vet? If it's the former, then insurers handle this differently. Some companies include the exam fee as being eligible for reimbursement, while others exclude it or offer it as an add-on to your policy. As for unexpected trips to the vet, let's say if a dog were hit by a car, then yes, pet insurance covers those sudden, unexpected trips to the vet when there's an emergency. Clear as mud? Let me know if you have questions!

 

[Narwal]

Thanks Kimberly! I meant trips to the ER but this is very helpful information, I hadn't thought about the implications of emergency visits to my vet during the day. Appreciate your in-depth response and quick feedback!