November 8, 2022

Does Pet insurance Cover Emergency Visits


Does Pet insurance Cover Emergency Visits Pet owners look after their pets’ health and always satisfy their medical needs? All this depends on how much time your pet is spending outdoors. The lack of physical activities and exercise can also lead to sickness and severe medical conditions. If somehow your dog is suffering from any issues that need urgent treatment, they have to visit the vet, which tends to be more expensive. 

As urgent treatment is included in the emergency services in the vet clinic, the owner has to pay a lot for such services. Most pet owners who have pet insurance always have a question: does pet insurance cover pregnancy and other emergency services? Well! Here in the article, we are going to discuss the same. 

Does Pet Insurance Cover Urgent Care?

Before moving to our article, first of all, you need to understand the difference between Emergency care and Urgent care. Urgent care refers to when your pet is needed to take to the vet for immediate treatment, but such a situation is not life-threatening and can not lead to death. Some of the situations that require urgent care are mentioned below: 

  • Bite wounds
  • Wound treatment
  • Bloat
  • Cuts and abrasions
  • Diarrhea
  • Dehydration
  • Constipation
  • Urinating blood
  • Infestation
  • Vomiting
  • Limping or pain
  • Eye issues
  • Itchy skin or rashes
  • Ear infection 
  • Does Pet insurance Cover Emergency Visits

Most insurance is made to cover all these situations, and your visit to the vet will be covered by the insurance minus the deductible and coinsurance. It also depends upon the policy of insurance, and there might be both an illness or accident policy and the only illness policy. The entire expense is covered if the issue is classified as an illness or accident. Hope you get your answer, will pet insurance cover diabetes or not? 

Does pet insurance cover emergency services?

When it comes to emergency services, these require more attention and urgent treatment in the vet clinic. Emergency services can often be treated as urgent care, depending upon the type of emergency. Emergency services are different from urgent care, and they might include some additional expenses of exams, fluids, scans, surgery, and even hospitalization of your pet. The emergency services are for life-threatening issues, and this includes the following conditions: 

  • Heatstroke
  • Paralysis
  • Serious accident or trauma
  • Difficulty breathing
  • Excessive bleeding
  • Cardiac arrest
  • Seizures
  • Loss of consciousness
  • Allergic reactions
  • Choking
  • Penetrating wounds

As it is clear that all the above-mentioned medical conditions are life-threatening and require emergency treatment by the veterinarian. So, these are included in the pet insurance as well. Whether you have an accident or illness policy or only an accident policy, both policies cover all the above-mentioned medical conditions. But keep in mind that all the coinsurance and deductibles must be already paid. 

Also, there is a particular waiting period that must be completed after issuing the per insurance. Every pet insurance determines it. Some insurances have around 14 days waiting for the illness and around 48 hours for the accidents. If something happens before the waiting time, the insurance will not cover any of your expenses. 

What is accident-only insurance? 

You must have heard about accident-only insurance somewhere in the previous paragraphs and want to know more about the same. While taking pet insurance, some owners apply for the accident or illness policy, whereas a few apply only for the accident-only policy, which only covers accident-related issues. 

For pet owners whose pet is getting old and can not apply for both accident or illness insurance, accident-only insurance is the best option for them. They are cheaper for illness or accident insurance. Here is what will be covered in the accident-only insurance: 

  • Torn cruciate ligament
  • Foreign body ingestion
  • Hit by a car
  • Prescription drugs for covered accidents
  • Broken bones
  • Cuts and lacerations
  • Accidental poisoning
  • Bloat

What is the cost of an emergency visit to the vet? 

The expenses of the emergency visit will not only depend upon the type of pet you have but also on the type of injury or medical condition that occurred. An emergency visit is more expensive because it is available for 27×7, and if your visit is after the closing time, then the after-hours expense is also included in your vet bill. 

Also, sometimes your pet needs to be hospitalized in emergencies, which will also affect the allover cost of the vet bill. The price is also depending upon the size and nature of your dog, and if it is significant and aggressive, then the charges are more. Here are the average expenses: 

  • X-Ray is around $160 to $260 
  • Ultrasound is around $400 to $600
  • Wound treatment is around $2500 
  • The fundamental examination will cost $100 to $200
  • The primary treatment is around $50 to $150
  • The hospitalization will be around $2000/day. 
  • Consultations are around $150 
  • Emergency surgery can cost your around $5000 

Does pet insurance cover cremation? 

If unfortunately, your pet lost its life due to any serious illness or accident, then the pet insurance does not cover the expenses of cremation or burial. But if there is any treatment or emergency service adopted before its death, then it will be covered by the insurance. 

Does pet insurance cover training? 

Training is one of the basic needs of your pet that affect his good and bad habits. Well, most insurance does not cover any training expenses, and the owner needs to bear these expenses himself. However, the insurance will cover the behavioral issues and medication of your dog for an injury during the training. For your question, does pet insurance cover training? The clear answer is no. 


If we look in-depth, the expenses of pet care and treatment are more than that of humans. That is why experts recommend taking affordable pet insurance that will cover the accident and illness. As your pet is just like a family member, keep sufficient care accordingly. 

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