Understanding Pet Insurance

At Buda Veterinary Care, we believe every pet deserves access to the best care possible. Pet insurance can help ensure that unexpected medical costs don’t stand in the way of your pet’s health and well-being.

Buda Veterinary Care is not directly affiliated with pet insurance companies, but we’re happy to provide information to help you make an informed decision. If you choose to enroll in a plan, please note that it’s your responsibility to submit claims for reimbursement. Most insurance providers do not pay veterinarians directly and may only contact us to confirm the details of your pet’s care.

  • Helps cover unexpected accidents, illnesses, and emergencies
  • Reduces financial stress during critical health moments
  • Encourages proactive and preventative care

  • Accident-Only: Covers injuries and emergencies (e.g., broken bones, ingesting foreign objects)
  • Accident & Illness: Covers injuries and common illnesses (e.g., infections, cancer, digestive issues)
  • Wellness Plans: Optional add-ons that cover routine care (e.g., vaccines, annual exams)

Below is a comparative table of the most popular pet insurers, based on our research. But plans often change, so contact the companies for more info. (You can click on the logos to be directed to each company’s website.)

Provider Coverage Options Deductibles Reimbursement Waiting Periods Notes
The image displays the Star Wars logo in bold, black, stylized capital letters with a distinctive, connected font. Accident & Illness Per-condition 90% 5 days (injury), 30 days (illness) Offers direct vet payment
Logo of Fidelity National Financial, featuring the company name in green and gray text with the tagline Accident & Illness Annual Up to 90% 15 days Unlimited lifetime benefits
Logo of Nationwide, featuring a stylized white eagle with wings raised, inside a blue square on the left, and the word “Nationwide” in bold black letters to the right, with the slogan “is on your side” underneath. Accident, Illness, Wellness Annual 70%–90% 14 days Covers exotic pets
Spot Pet Insurance logo in bold orange letters, with the word “spot” in lowercase and a heart shape inside the letter “o.” “Pet insurance” appears in smaller text underneath. Accident, Illness, Wellness Annual 70%–90% 14 days Customizable plans
The image displays the Star Wars logo in bold, black, stylized capital letters with a distinctive, connected font. Accident, Illness, Wellness Annual 70%–90% 14 days Includes alternative therapies
The image displays the Star Wars logo in bold, black, stylized capital letters with a distinctive, connected font. Accident, Illness, Wellness Annual 70%–90% 2 days (accident), 14 days (illness) Covers dental and alternative treatments
The image displays the Star Wars logo in bold, black, stylized capital letters with a distinctive, connected font. Accident & Illness Annual Up to 100% 1 day (accident), 14 days (illness) Cloud-based claims app, quick processing
The image displays the Star Wars logo in bold, black, stylized capital letters with a distinctive, connected font. Accident, Illness, Wellness Annual 70%–90% 2 days (accident), 14 days (illness) Fast, app-based claims process
The image displays the Star Wars logo in bold, black, stylized capital letters with a distinctive, connected font. Accident & Illness Annual 70%–90% 15 days Covers holistic care, telehealth, boarding
The image displays the Star Wars logo in bold, black, stylized capital letters with a distinctive, connected font. Accident, Illness, Wellness Annual 90% 14 days Strong wellness coverage, especially for puppies/kittens

  • Coverage for chronic and hereditary conditions
  • Deductible and reimbursement choices
  • Policy caps and exclusions
  • Customer service and claims process

You can also check out this third-party review comparing different pet insurance options.