All four companies cover most hereditary conditions, and offer full coverage for the lifetime of your pet once enrolled. This includes chronic conditions that are not preexisting conditions. All four companies require you to bring your pet in for an annual physical at your own cost, and do not cover routine preventative care or costs associated with failure to use routine preventative care such as vaccinations, heart worm prevention, flea and tick prevention and regular dental check ups.
Pet health insurance can provide great peace of mind for you and your pet. It can keep emergency care in a range where you can afford to give your pet the best care possible, and may be the difference between a lifesaving surgery and having to let your pet go.