pet travel insurance usa

• Credit cards
• View all credit cards
• Banking guide
• Loans guide
• Insurance guide
• Personal finance
• View all personal finance
• Small business
• Small business guide
• View all taxes

You’re our first priority. Every time.

We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.

So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners .

What to Know About Pet Travel Insurance

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Traveling with your pet can be so rewarding; but it can also be a huge hassle. Between ever-changing airline policies regarding emotional support animals , to needing to shell out a few hundred dollars for a round-trip flight for your furry friend, traveling can get complicated (and costly) fast.

And that’s if everything goes according to plan. If your pet gets sick or injured while traveling, things can get really hairy. So it pays to make sure your pet is covered with insurance.

Here's what to know about pet travel insurance.

Pet travel insurance vs. pet health insurance

First things first, is pet travel insurance different from pet health insurance? In short, yes. Pet health insurance covers your furry companion’s healthcare needs, whereas pet travel insurance is offered by businesses hired to relocate your pet and only applies to what happens between the beginning and end of a trip.

Pet health insurance covers needs like vet visits, surgery, injuries and dental work. Like your own health insurance, you will pay a monthly or annual premium and can expect deductibles of varying amounts depending on your level of coverage.

Pet travel insurance, on the other hand, only covers your pet during a set period of time. This is usually from point to point and when your pet is traveling unaccompanied, like when you are hiring a service to relocate your pet. The most important distinction is only businesses can buy pet travel insurance, not the pet owner.

“Pet flight insurance” doesn’t exist.

Fortunately, many pet health insurance policies may cover some travel cancellation and health care costs for your pet if your trip gets interrupted because your pet gets sick or injured. To find out if that’s the case, be sure to read your individual policy for details.

» Learn more: How to make traveling with your pet affordable

Pets aren’t covered under most normal travel insurance and trip cancellation policies

Travel insurance and trip cancellation insurance is a handy thing to have when the unexpected happens, as it can help reimburse travel costs if you have to cancel a trip or call it short due to an emergency. Unfortunately, travel insurance and trip cancellation coverage don’t typically cover pets, only human travelers.

In fact, trip cancellation insurance rarely considers pet emergencies, deaths or overbooked pet reservations on an airline as valid reasons for cancellation — though there may be exceptions made in the case of registered service animals.

That said, if you still want the option to cancel travel plans and get reimbursed for your investment in the case of a pet emergency, there may be a way: You can select a travel insurance policy with “ Cancel For Any Reason ” coverage, which would include pet emergencies.

» Learn more: The most pet-friendly airlines

Some pet insurance only covers your pet in the U.S.

While there are some pet health insurance companies that offer cat and dog travel insurance coverage in the form of health care treatment when you’re away from home, not all provide coverage in all places. Some may only cover health issues and care within the U.S. and Canada, while others may reimburse you for services abroad, too (though they may be limited to certain countries).

So before you pick a plan, make sure to read the fine print to know if your pet is covered wherever you plan on traveling together, especially if you’re headed overseas.

» Learn more: How to fly with a dog

Pets may require additional info to fly

Do pets need insurance to fly? Generally no, though depending on the airline, you may be required to bring other information and documentation with you when you travel with an animal. Check with your specific airline before booking to ensure you’re following protocol and you don’t miss your flight for lack of appropriate paperwork.

If you’re traveling internationally with your pet and your destination country allows four-legged visitors (not all do), you’ll need an international health certificate and will be required to adhere to any specific requirements set forth by that country.

You can check the Animal and Plant Health Inspection Service site from the U.S. Department of Agriculture for regulations by country.

» Learn more: The best airline credit cards right now

Pet travel insurance considerations, recapped

Traveling with a pet can be complicated and costly, but pet insurance can bring peace of mind whether you’re road tripping across the country or flying around the world.

Just make sure before you head off on your adventure to check and make sure that your pet’s health insurance policy covers veterinary treatment where you’re headed, find out whether your travel insurance offers coverage for trip cancellation or interruptions insurance because of sick pets, and consider getting a “Cancel For Any Reason” policy so you can change your plans for any and all pet-related reasons.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

On a similar note...

• MetLife Pet Insurance Review
• Lemonade Pet Insurance Review
• Prudent Pet Insurance Review
• Banfield Wellness Plan Review
• Embrace Review
• Pets Best Insurance Review
• Bivvy Pet Insurance Review
• Figo Pet Insurance Review
• Pumpkin Pet Insurance Review
• ASPCA Pet Insurance Review
• TrustedPals Pet Insurance Review
• Toto Pet Insurance Review
• Nationwide Pet Insurance Review
• Trupanion Pet Insurance Review
• Fetch Pet Insurance Review
• ManyPets Review
• Healthy Paws Pet Insurance Review
• Spot Pet Insurance Review
• PetFinn Review
• Pet Insurer Review
• Lemonade vs Pumpkin
• Lemonade vs Trupanion
• Lemonade vs Healthy Paws
• Embrace vs Fetch
• Embrace vs Healthy Paws
• Trupanion vs Embrace
• Trupanion vs Pets Best Insurance
• Trupanion vs Healthy Paws
• Chewy vs. Petco
• Figo vs Healthy Paws
• Healthy Paws vs Nationwide
• Healthy Paws vs Pumpkin
• Nationwide vs Embrace
• Nationwide vs Trupanion
• PetFirst vs Trupanion
• Trupanion vs Pets Best
• Ollie vs The Farmer’s Dog
• Ollie vs. Nom Nom
• Petfirst vs Healthy Paws
• PetFirst vs Embrace
• Petfirst vs Figo
• Petfirst vs Nationwide
• PetFirst vs Pets Best
• PetFirst vs ASPCA
• PetFirst vs Fetch by the Dodo
• Embrace vs ASPCA
• Banfield vs Nationwide
• King Kanine Review
• Ollie Dog Food Review
• Revival Animal Health Review
• Yumwoof Review – Natural Pet Food
• Chewy Review
• HolistaPet Review
• Bark Potty Review
• Brain Training for Dogs Review
• Cuddle Clones Review
• Pet Care Supplies Review
• FitBark Review
• TruDog (HaloPets) Review
• Best Dog Insurance
• Best Pet Insurance for Multiple Pets
• Best Pet Insurance for Older Dogs

Best Pet Travel Insurance

• Best Pet Health Insurance
• Best Cat Insurance
• Best Pet Dental Insurance
• Best Accident Only Pet Insurance
• Best Pet Insurance for Australian Shepherds
• Best Pet Insurance for Dobermans
• Best Pet Insurance for French Bulldogs
• Best Pet Insurance for Goldendoodles
• Best Pet Insurance for French Dachshunds
• Best Pet Insurance for Golden Retrievers
• Best Pet Insurance for Bernese Mountain Dogs
• Connecticut
• Massachusetts
• North Carolina
• New Hampshire
• Pennsylvania

• January 20, 2022

We write our honest reviews but this page may contain affiliate links, with some of the partners mentioned, to support this website.  Read more here

Getting solid health insurance for your fuzzy companion doesn’t quite cover everything that might happen during its lifetime. There are situations that warrant a different kind of approach – a different insurance policy. Holidays and traveling are some of them.

Of course, this should come hardly as a surprise; after all, we humans get both health and travel insurance, so why shouldn’t our pets too?

Trupanion has a straightforward plan

Read full review

Fetch has a stellar reputation among pet insurance companies.

Different kinds of un-furr-tunate events may occur while we’re abroad with our beloved furry friends. Proper travel insurance should be put in place to help us deal with the financial baggage of such situations, which would only worsen our emotional turmoil.

But this is all rather easy to deduce. What’s more important than enrolling in pet travel insurance is to know how exactly this type of insurance works , what it covers, and which insurance companies out there are the best to go for.

No need to panic – we have an answer to all of these questions.

What does Pet Travel Insurance Cover?

Pet travel insurance covers the expenses for the most common types of mishaps that can take place while you and your companion are abroad. This includes a variety of scenarios. The number of these scenarios also depends on the particular insurance provider and the policy or plan you agreed on.

Still, there are some general types of costs that almost all travel insurance providers cover.

In case your pet gets ill or injured while abroad, the pet travel insurance will cover the veterinary fees exactly like the regular pet health insurance covers vet expenses in your home country.

One thing to note, though, is that the main prerequisite for the insurance cover is that any injury or illness should be sustained abroad. No older injuries, lingering or pre-existing conditions will be covered.

Advertising and Reward for Theft or Loss

In the event that your pet gets lost or stolen, the insurance provider would cover for the advertising and reward in order to help retrieve your pet. However, the reward can only be claimed by a third party, not by you or any other person traveling with you and your pet.

Holiday Cancellation

The pet insurance provider will fully cover the costs for the cancellation of your holiday if your pet is in urgent need of medical treatment, thus preventing you from traveling. The same applies if your pet dies before the scheduled trip, leading to its cancellation.

Emergency Repatriation

If your pet gets ill or injured abroad and has to be immediately brought back to your home country, travel expenses will be covered by the insurance provider.

Similarly, if a pet’s illness leads to a delay of your departure, the insurer will cover all expenses related to accommodation.

Loss of Passport

In case you lose your pet’s passport or healthcare certificate while abroad, the travel insurance can cover the costs for a passport or certificate replacement.

Quarantine Expenses

Suppose your pet develops a condition that would warrant quarantining while abroad, and it’s unable to travel back to your home country. In that case, the travel insurance company will cover expenses related to the quarantine.

Still, as this can be pretty pricey, most companies set a limit of about $2,000. You will have to cover anything above that amount by yourself.

Tapeworm Treatments

If your pet requires repeated tapeworm treatments and your return to your home country is, for some reason, delayed, the insurance provider can cover the costs of these treatments until you get back.

These are the main types of costs covered by travel insurance companies. Yet, not all companies do an equally good job at covering them for a reasonable price. Some stand out.

Pet Travel Insurance Companies: Rating

Out of the numerous pet insurance companies that offer travel insurance for pets (and the less numerous exclusively dealing with travel insurance), we selected the three most popular ones:

An already renowned pet insurance provider, Trupanion does not offer a separate travel insurance plan. It already has one incorporated into the regular pet insurance policies it offers.

Admittedly, it only covers your pet for traveling around the United States, Canada, and Puerto Rico, but considering how you don’t actually have to pay separately, this is as good a deal as they come.

Pet Travel Insurance

A company specifically intended for travel insurance, approved by the IPATA , Pet Travel Insurance is simple and straightforward – you provide basic information on your pet and get a quote. It covers all that needs to be covered for a reasonable price.

Fetch by the Dodo

Fetch is another regular pet insurance provider which additionally offers travel insurance – both as part of its regular insurance packages and separately. Backed by the Pet Travel international company, it can be quite pricey with its quotes but truly allows you to cover all of your pet’s needs while abroad.

Comparing Pet Travel Insurance Plans

All of these insurance policy providers offer completely different coverage plans, so it makes sense that each would cater to a different kind of pet owner. Pet owners looking for a practical option that don’t typically travel outside the US should definitely go for Trupanion, as that’s an overall pet insurance company.

Those preparing for trips outside the US border should contact Pet Travel Insurance. In contrast, those who’re unsure or are looking at several consecutive trips should make up a good travel insurance plan at Fetch.

But what kind of policy options are there?

Pet Travel Insurance Policy

There are two types of insurance policies you could go for: single trip and multi-trip.

• Single trip policies are constructed in a way to cover your pet for the duration of a single trip with a previously set number of days.
• Multi-trip policies are made to cover your pet for several trips intended for the coming period.

Most insurers would cover for up to around 90 days per year, but this isn’t fixed. Some don’t limit the number of days, but the number of travels. Based on this, decide whether the single or multi-trip option is suitable for you.

How Pet Travel Insurance Works

It’s quite simple, really; first, you check if your basic pet health insurance covers travel expenses. If not, you find a potential provider, inform them about your pet’s breed, age, sex, and country of residence and ask for a quote.

Once you accept the quote and make an insurance plan, you set it in motion – you travel abroad, and if any undesired event takes place, the travel insurance covers the (majority of the) financial costs for it. That’s it!

Now that we’ve seen and reviewed all of the offered options, we believe that the best one to recommend would be Trupanion.

While not covering trips worldwide, it is, by and large, the most financially affordable option, as you don’t actually have to pay anything extra to get it – it’s already included in the normal pet health insurance.

As long as your pet travels around the US, Canada, or Puerto Rico – it gets the full treatment. You can rest assured that whatever happens, wherever you are, you will be as financially supported by Trupanion as when you’re at home .

Ralph Davidson

Related topics:, nom nom review, pawp pet insurance review, pet care online reviews.

Everything to care for your pet

Pet Care Reviews

• HealthyPaws Pet Insurance Review

Latest Posts

More information.

• Privacy Policy
• Affiliate Disclaimer

Social Media

Pet insurance while traveling in the US and Canada*

Coverage for accidents and illnesses — even when you’ve turned tail and left home

When you and your furry friend need to roam free, your coverage doesn’t need to stay behind:

• Stay covered when traveling in all 50 states and Washington, D.C.
• Coverage also available when traveling in Canada
• Choose any vet wherever you’re covered

Forbes' #1 Pet Insurance Company for 2023

How ManyPets pet insurance is different from pet travel insurance

ManyPets offers tremendous insurance for pet travel, but we don’t technically offer pet travel insurance. So what does that mean, exactly?

ManyPets offers pet insurance for accidents and illnesses that remains active while you’re traveling within the 50 US states, Washington, D.C., or Canada for up to 90 days.

Pet travel insurance policies, which are not commonly sold in the US, are designed to cover the risks associated with transporting or traveling with your pet. There’s no such thing as pet travel insurance that covers pet illness and injury if it’s not directly related to the fact that you’re traveling .

The ManyPets pet insurance policy may cover your pet for accidents and illnesses that just so happen to occur while your dog or cat is traveling, even if those conditions are not the direct result of travel-related mishaps.

Why ManyPets pet insurance for traveling with your dogs or cats?

Choose any vet.

— no networks!

No annual or lifetime limits on payouts

for approved claims

Direct deposit reimbursements

straight to your bank account

Covered treatments some companies exclude

including accident/illness exams and treatments for dental disease

How pet insurance claims work when you’re traveling

Visit any vet.

Pick a vet, any vet. No networks, no restrictions.

Claim online

File a claim online anytime during or after your pet's vet visit.

Get up to 80% of your vet bill back*

No, really. 80%.

How does ManyPets pet insurance compare to the competition?

Whether you’re snug at home or on the go, it’s crucial to find an insurance plan that meets all your pet’s needs — and yours. Here’s how ManyPets stacks up to the competition:

Comparisons are based on quotes manually taken from each competitor's website in 2022. These are subject to change at any time.

What does pet insurance cover when you’re traveling?

An unexpected incident or injury, including road accidents and poisonings.

Sickness or disease (including hereditary conditions) that isn’t accident-related.

What does pet insurance NOT cover while traveling?

Unless you’re traveling outside the US or Canada, or you’ve been traveling for more than 90 days, coverage exclusions remain the same across all locations. We don’t cover:

Vet care outside the US or Canada

ManyPets pet insurance may cover your pet within any of the 50 US states — or Canada — for up to 90 days. But your pet will not be covered for any vet care outside the US or Canada, so keep that in mind while traveling abroad.

Pre-existing conditions 

These are conditions for which your pet was symptomatic, treated, or diagnosed before your pet insurance policy went into effect or during your waiting period. However, unlike some other companies, ManyPets will no longer consider most conditions to be pre-existing if your pet has been free of symptoms, diagnosis, and treatment for a certain time period — usually 18 months.***

Preventative care

The ManyPets Accident and Illness Policy does not cover routine or preventative care like checkups, dental cleanings, preventative parasite treatments, or supplements. However, the optional ManyPets’ Wellness Plan (a non-insurance plan you may purchase in addition to insurance) is designed to reimburse you for such items. This is particularly important for kittens, who need lots of vaccinations and checkups.

Waiting periods 

This is the brief period, beginning the day your insurance policy becomes effective, when your pet's accidents and illnesses are not yet eligible for coverage. Waiting periods may vary by state due to relevant regulatory rules and changes; always refer to your own state’s policy wording.

Finding the best pet insurance while traveling

Dog insurance

Cat Insurance

Save on preventative care

Manypets wellness plan for dogs & cats.

• Routine exams and vaccinations
• Prevention for fleas, ticks, and heartworm
• Professional cleanings and at-home dental care
• Vitamins, supplements, and more

5-star pet insurance customer reviews from Trustpilot

Insurance for all your woofs and meows.

ManyPets offers insurance* for dogs and cats of all ages, including puppies and kittens, adult dogs and cats, and older dogs and cats. Get information on options for the whole furry family .

Puppy insurance

Adult dog insurance

Older dog insurance

Purebreed insurance

Mixed-breed dog insurance

Kitten insurance

Adult cat insurance

Older cat insurance

Pet insurance and travel FAQs

Everything else you may want to know about ManyPets insurance and travel

Does my dog or cat require “pet travel insurance” to receive coverage while traveling within the US or Canada?

Nope! The ManyPets’ Accident and Illness policy covers your pet while you’re traveling within the US or Canada — and also, of course when you’re in your home state. “Pet travel insurance,” which isn’t commonly offered in the US, is solely designed to cover pets for mishaps that are directly associated with traveling.

Does ManyPets pet insurance cover international travel?

When it comes to travel outside of the US, ManyPets pet insurance covers eligible claims for treatment that takes place in Canada (for up to 90 days). However, it does not cover vet care that takes place outside of the US or Canada. 

What are the risks of traveling with a pet?

Travel can always create risks for your pet, whether you’re driving, flying, or taking the train. Stick to safe practices, like keeping your pet out of your car’s front seat or — when permitted — letting them ride with you in an airplane cabin. If traveling does directly result in any injuries or illnesses, your pet may be reimbursed for treatment if there are no pre-existing conditions or other exclusions preventing coverage. 

Can my pet be covered even if treatment takes place in more than one state?

Let’s say you’re on vacation when your car-chasing Chihuahua finds their way into Honolulu’s sunniest emergency clinic. If your furry friend’s recovery regimen ultimately continues under the watchful eye of your vet in Milwaukee, this travel and this use of two vets won’t affect your coverage one way or another. If treatment is eligible for coverage, it will remain eligible across locations.

For how long can I live with my pet in a new location before I have to report a permanent change of residence?

If you know ahead of time that you and your pet will be moving to a new location for more than 90 days, you should report that move right away; ManyPets will consider the move to be permanent after 90 days away. At that point, you’ll only be able to receive coverage in the new location if you’ve updated your address. You can do so by calling our customer support team at 1-888-978-5291 (Mon-Fri: 9am-9pm EST, or Sat: 10am-6pm EST).

What if my pet needs vet care while I’M traveling but they’re still at home?

If you’re away from home and your pet is under the care of a kennel or sitter, you can still submit a claim for veterinary care — even if you’re not the one who took them to the vet. You can then put the money from any approved claims toward reimbursing the individual or organization that initially paid for your pet’s veterinary care.

Pet health and insurance guides

Check out the ManyPets blog for detailed pet insurance guides, pet parenting explainers, and expert veterinary advice.

Do all vets take pet insurance?

Tips for commuting with your dog

7 tips for safely driving with a dog

Emotional support animals (ESAs) 101

Get more pet news and guides straight into your inbox.

By signing up, I agree with ManyPets' privacy policy I understand I can unsubscribe at any time.

Join the ManyPets pack

We cover over 400,000 pet parents across the globe

*When traveling away from home, ManyPets pet insurance may still cover your pet for up to 90 days if they receive treatment within the 50 US states, Washington, D.C., or Canada. After 90 days, you’re required to update your permanent address in order to maintain coverage in a new location.

**ManyPets analyzes every claim on its own merits, subject to the terms and conditions of your policy. Exclusions apply, including those for pre-existing conditions. Only claims unrelated to an excluded treatment or condition are eligible for coverage.

***Waiting periods and duration before cured conditions cease to be considered pre-existing may vary by state due to relevant regulatory rules and changes; always refer to your own state’s policy wording.

Pet Travel Tales

Explore the world with your pet, choosing the right pet travel insurance: a guide for worry-free journeys.

Traveling with our furry friends has become more than just a trend; it’s a way of life for many pet owners. As we pack our bags and plan our itineraries, the well-being of our pets is always at the forefront of our minds. That’s where pet travel insurance comes into play. It’s not just a safety net—it’s peace of mind, ensuring that our adventures with our four-legged companions are as carefree as they are unforgettable.

Exploring the world of pet travel insurance can seem daunting at first, but we’re here to guide you through it. From understanding the basics to choosing the right coverage for your pet, we’ve got you covered. Let’s begin on this journey together, ensuring that our pets are protected, no matter where our travels take us.

Understanding Pet Travel Insurance

When it comes to hitting the road (or skies) with our furry companions, it’s not just about packing their favorite squeaky toy or ensuring they have a cozy spot to snooze. There’s a lot more to consider, especially for those unexpected moments. That’s where pet travel insurance comes in, a lifesaver we didn’t know we needed until, well, we do.

First things first, let’s get a bit of groundwork done. For those of you plotting your next adventure and wondering how to make it as smooth as a hound’s coat, check out our guide on planning a trip with your pet . It’s chock-full of tips to make your trip as memorable for them as it is for you.

So, what’s the deal with pet travel insurance? In the simplest terms, it’s like having a safety net that catches you when the unexpected happens. Whether it’s a sudden illness, an injury, or even if your pet causes damage where you’re staying, pet travel insurance has got your back (and your wallet).

Let’s face it, we all want to avoid being that person who ends up shelling out hundreds, if not thousands, of dollars because Mr. Whiskers decided to eat something he shouldn’t have while exploring a new city. And here’s a fact that might surprise you: Veterinary care abroad can be significantly more expensive than at home. That alone is a compelling reason to consider investing in insurance before jet-setting with your companion.

You might think, “But wait, my pet is healthy as a horse!” That’s fantastic! But, just like us, pets can face unexpected health issues, accidents, or even escape attempts when in unfamiliar territory. It’s not about expecting the worst but being prepared for any situation that might arise.

Choosing the right insurance plan means striking a balance between comprehensive coverage and an affordable premium. It’s about reading the fine print and understanding what’s included and what’s not. After all, the last thing any of us want is to find out too late that our policy doesn’t cover what we assumed it did.

Benefits of Pet Travel Insurance

Let’s be real here—deciding to take our furry friends on trips with us is a bit like choosing to travel with a very cute, somewhat unpredictable toddler. They can go from zero to 100 real quick, either with excitement or with a sudden need for a bathroom break. Just like us, they can fall ill or get injured in the most inconvenient times and places. That’s precisely where pet travel insurance rides in like a knight in shining armor.

First off, financial protection is a game-changer. We’ve all heard the horror stories about friends getting hit with sky-high bills for emergency pet care abroad. It’s not just the unexpected illnesses or injuries; it’s also about those “oops” moments. Picture this: You’re sipping a lovely cappuccino in a Parisian café, and your furry pal decides it’s the perfect time to explore the intricacies of the café’s antique chair collection with their teeth. Yeah, not ideal. With pet travel insurance, we’re talking about coverage that mitigates these financial risks, ensuring that we’re not emptying our savings on these unforeseen events.

But wait, there’s more!

Let’s chat about peace of mind —an elusive state we’re all chasing, especially when travelling with pets. Knowing we’re covered for almost every mishap under the sun (or rain, because, you know, weather is unpredictable too) means we can actually enjoy our travels. We get to explore new places with our four-legged companions without that nagging worry at the back of our mind.

What’s often overlooked but equally crucial is the assistance services part of the deal. Think 24/7 support for finding the nearest vet or pet emergency services in an unfamiliar city. That’s not just a benefit; it’s a lifeline when we’re panicking in a foreign place, trying to communicate in a game of charades gone wrong.

For those of us embarking on this journey for the first time, sorting out the essentials of pet travel can be daunting. That’s why checking out a useful guide on planning a trip with pets can be a lifesaver, offering insights and tips to ensure a smooth journey for us and our furry family members.

Types of Coverage Available

When we’re planning a trip with our furry sidekicks, we’re not just thinking about the sunny selfies or the mountain hikes. Nope, we’re also considering the “what-ifs”. What if Fido decides to explore a cactus up close, or Fluffy develops a taste for exotic bugs? Enter pet travel insurance, the safety net that makes those adventurous escapades less worrisome.

First off, there’s the Basic Health Insurance . It’s like the vanilla ice cream of pet insurance—essential, dependable, and covers your pet’s medical bills for accidents and sudden illnesses. Think of it as a buffer against the unexpected vet visit when your pet decides to eat something they shouldn’t have.

Then, we have Comprehensive Coverage . This is your deluxe package, offering all the perks of basic insurance with added jewels like coverage for hereditary conditions, vaccinations, and even some wellness treatments. It’s for those of us who don’t mind splurging for peace of mind.

But it doesn’t stop there. For the globetrotters among us, there’s Travel-Specific Coverage . This is tailor-made for jet-setting pets, covering everything from lost pet passports to trip cancellations due to pet illness. If your itinerary is as packed as your suitcase, this one’s for you.

Here’s a quick glance at why these coverages are crucial:

We know that planning a trip with pets is no small feat. It’s why a guide on planning your trip with pets could be a lifesaver. It doesn’t just about cover the journey; it’s about ensuring every step of the process is smooth sailing for you and your pet.

So, whether you’re about to begin on a quiet retreat or an adventure of a lifetime, considering the right type of pet travel insurance can make all the difference. It’s about being prepared for the unexpected, ensuring that the journey is enjoyable for both you and your furry friend.

Choosing the Right Plan

Alright, fur-family, let’s jump into the deep end of the pet travel insurance pool. We’re not just splashing around here; we want to make sure every pet parent out there can navigate these waters like a pro. After all, setting off on an adventure with your furry sidekick should be about making memories, not fretting over vet bills should Mr. Whiskers decide to eat something funky or Miss Fido sprains a paw chasing squirrels.

First off, deep breaths – finding the perfect travel insurance for your pet companion doesn’t have to be a puzzle wrapped in a mystery inside an enigma. Remember, you’ve already taken a ginormous leap towards peace of mind by deciding to cover your pet. That’s no small potatoes, and hey, it means more treats for your pet and less sweating for you.

Before we get into the nitty-gritty, have you checked out our guide on planning a stellar trip with your pet ? It’s packed with tips that’ll make this journey smoother than your pet’s coat after a spa day.

Onto the selection process. It’s essential to match the plan to your pet’s lifestyle, not just any plan will do . If your furry friend is an adventurer at heart, always exploring and possibly finding trouble, a comprehensive plan that covers both accidents and illnesses, along with those adventurous mishaps, is your go-to. On the other hand, if your pet is more of a homebody or a senior with a few gray whiskers, focusing on comprehensive or basic health insurance might be more up your alley.

It’s all about the details, folks. Look for what each plan covers and what it doesn’t. Some plans will have you saying “Wow, that’s paw-some!” because they include coverage for hereditary conditions, prescriptions, and even alternative therapies.

What’s the bottom line? Don’t just grab any plan off the shelf. Tailor it, tweak it, make it fit your pet’s needs like that cozy little bed they’ve finally admitted they love. And remember, the goal here is to ensure both of you enjoy that trip without worrying what’s around the bend.

Key Takeaways

• Pet travel insurance provides a safety net for unexpected illnesses, injuries, or damages caused by pets during travel, offering peace of mind for pet owners.
• Choosing the right coverage is crucial and involves balancing comprehensive protection with affordable premiums, while also considering the specific needs and lifestyle of the pet.
• There are different types of coverage available, including Basic Health Insurance for accidents and sudden illnesses, Comprehensive Coverage for a broader range of veterinary care, and Travel-Specific Coverage for issues related to travel such as lost pet passports and trip cancellations.
• Financial protection is a key benefit of pet travel insurance, helping owners avoid high costs from emergency care or other unforeseen incidents while abroad.
• Assistance services offered by pet travel insurance, like 24/7 support for finding emergency veterinary care, can be invaluable during stressful situations in unfamiliar locations.
• Preparation and research are essential for selecting the right pet travel insurance plan, requiring pet owners to assess their pet’s health, behavior, and potential risks when traveling.

Choosing the right pet travel insurance is a crucial step in planning your adventures together. We’ve walked through the importance of tailoring the plan to fit your pet’s unique lifestyle and needs. Remember, it’s all about ensuring peace of mind for you and safety for your furry friend. By understanding the specifics of what each plan offers, you’re setting the stage for countless worry-free trips ahead. Let’s make every journey with our pets as joyful and secure as possible.

Frequently Asked Questions

What is pet travel insurance.

Pet travel insurance is a coverage plan designed to protect pets during travel. It covers unexpected veterinary expenses, accidents, or illnesses that may occur while travelling.

Why is it important to choose a pet travel insurance plan based on my pet’s lifestyle?

Choosing a plan based on your pet’s lifestyle ensures that the coverage meets your pet’s specific needs. Active pets may require different coverage than more laid-back pets to ensure their adventures are worry-free.

What should I consider when selecting a pet travel insurance plan?

Consider the coverage scope, including accident and illness coverage, hereditary conditions, and alternative therapies. Ensure the plan matches your pet’s lifestyle and your travel needs.

Do pet travel insurance plans cover hereditary conditions?

Yes, some pet travel insurance plans do cover hereditary conditions. It’s important to read the plan details carefully to understand what is included.

Are alternative therapies covered under pet travel insurance plans?

Many pet travel insurance plans now cover alternative therapies as part of their coverage. However, coverage can vary, so it’s crucial to check the specific terms and conditions of the plan.

Leave a Reply Cancel reply

You must be logged in to post a comment.

HOME / BLOG / Travel Resources Best Pet Insurance For Pets Who Travel

Best Pet Insurance For Pets Who Travel

• By Amy at GoPetFriendly.com
• May 19, 2020

Purchasing pet insurance is complicated. And it feels like a HUGE decision, because pet insurance companies don’t cover pre-existing conditions. So, if you choose poorly and your pet develops a chronic illness or congenital condition, their future treatments likely won’t be covered if you switch providers. Facing this pressure, I began shopping for a plan for our new puppy, Myles. And because Myles will be traveling with us, I had some special circumstances that affected my decision. After comparing ten popular pet insurance options, this is my analysis of the best pet insurance for traveling pets.

*This is strictly my research, which I’m sharing because it might save you some time. I have not and will not receive any compensation from any of the companies mentioned.*

Determining the Best Pet Insurance for Traveling Pets

Each pet insurance company approaches the benefits they provide, the restrictions they impose, and the degree to which you can customize your plan a little differently. Factor in the widely varied premiums and comparing plans across providers is tricky. Of course, we’re all different, too! Each of us has different priorities and factors to consider. That’s why it’s important to determine which aspects of pet insurance are most important to you before you begin.

Why get pet insurance at all?

You might be asking yourself if you even need pet insurance. Some people prefer to start savings accounts and make monthly deposits to cover their pet’s care. Others keep a credit card that is only used only for unexpected veterinary bills. I prefer pet insurance, because the only factor I want to determine the care Myles receives is his well-being. Knowing how quickly vet costs can add up, I can’t face the nightmare of balancing his care against what I can afford. Pet insurance gives me that luxury.

READ MORE ⇒   The Ultimate Pet Friendly American Road Trip

Which components of pet insurance matter most to me?

It’s easy to get lost in the weeds when you start comparing pet insurance policies. But thinking through your priorities before you start can help. Keeping in mind that your situation will be different, here are the variables that I considered most important:

• Annual limit – This is the maximum amount the pet insurance company will pay out under the policy. Because I don’t want cost to impact the care Myles receives, I want to feel comfortable that this amount will cover any treatments he could need during the year.
• Lifetime limit – Some pet insurance companies set a limit on the total benefits they’ll pay out over your pet’s life. Because Myles is so young and there’s such a disincentive to change providers during his lifetime, I’m looking for a company with a very high or no lifetime limit.
• Deductible amount – This is the amount that I’m responsible for covering before the pet insurance benefits kick in. Higher deductibles result in lower premiums, and vice versa. Because Myles is young and expected to be healthy, I’m comfortable with a higher deductible. Also, it’s important to note that most deductibles must be met each year, but not all. We’ll get into that further when I start comparing providers.
• Reimbursement percentage – This the the percentage of the vet’s bill that the insurance company will cover once I’ve met deductible amount. The reminder of the bill is my responsibility.

Other factors to consider are the policy premium and whether exam fees, diagnostics, prescriptions, dental care, and alternative treatments like acupuncture, chiropractic treatments, cold laser therapy, hydrotherapy, and holistic medicine are covered.

Factors Specific to Traveling Pets

Finally, traveling full-time in our Winnebago generated a few other considerations. For example, we need to be able to use any licensed veterinarian we choose, including emergency and specialty vets. Fortunately, this was no problem with any of the companies I looked at. I also prefer to file paperless claims and receive reimbursements by direct deposit rather than check. Having a policy that would cover Myles if we travel outside the country with him would be great. And finally, having access to a 24-hour vet hotline would go a long way toward my peace of mind.

Comparing Pet Insurance For Traveling Pets

With my priorities laid out, I started comparing policies to find the best pet insurance for traveling pets. Remember that the quotes I received for Myles’ policy consider his age, our primary residence, and other factors. Also, I’m not an attorney – just another pet parent trying to make sense of a complicated issue. The information below is only my understanding of the policy terms. You’ll need to make your own assessments.

Bivvy   855-434-3744

Provides pet insurance coverage for $10 per month for all cats and dogs regardless of age, size, sex or breed.

Quote: $10/mo

Annual Limit: $1,000, not adjustable

Lifetime Limit: $25,000, not adjustable

Deductible Amount: $250 annually, not adjustable

Reimbursement Percentage: 80%, not adjustable

Coverage: Exams, diagnostics, prescriptions, dental care in case of injury, and alternative treatments for accidents, injuries, and illnesses, including hereditary, congenital, and chronic conditions. Covers pets within the United States only.

Does Not Cover: Routine or wellness care

Convenience: Offers paperless claims, but not direct deposit of reimbursements or a telemedicine hotline.

Companion Protect   800-304-9930

Similar to human health insurance, provides network pet insurance offering lower per visit deductibles and direct-to-vet payments for “in-vetwork” care, while also providing “out-of-vetwork” benefits.

Quote: $44.99/mo The policy continues, month-to-month, until cancelled by either party or the lifetime benefit is reached. This means that, unlike all the other policies, the premium will not reset each year.

Annual Limit: No limit, not adjustable

Lifetime Limit: $100,000, not adjustable

Deductible Amount: $50 per visit for in-vetwork providers and $100 per visit for out-of-vetwork, not adjustable

Reimbursement Percentage: 90% for in-vetwork providers and 80% for out-of-vetwork, not adjustable

Coverage: Exams, diagnostics, prescriptions, dental care in case of injury, and alternative treatments for accidents, injuries, and illnesses, including hereditary, congenital, and chronic conditions. Includes one or two complimentary wellness exams, depending on the age of the pet, with an in-vetwork provider. Covers pets within the United States only.

Does Not Cover: Routine or wellness care, other than the complimentary wellness exams.

Other: Some covered services, including surgeries and those in excess of $2,500, require prior approval, except in emergencies.

READ MORE ⇒   What You Should Know About Emergency Vets (Before You Need One)

Embrace   800-660-8726

Provides plan customization with adjustable annual and lifetime limits, deductibles, and reimbursement percentages. Also distinguishes between curable and incurable pre-existing conditions, covering curable conditions after 12 months with no symptoms or treatment.

Quote: $29.29/mo

Annual Limit: $30,000, adjustable ($30,000 max)

Lifetime Limit: No limit, not adjustable

Deductible Amount: $500 annually, adjustable

Reimbursement Percentage: 80%, adjustable

Coverage: Exams, diagnostics, prescriptions, dental care, and alternative treatments for accidents, injuries, and illnesses, including hereditary, congenital, and chronic conditions. Covers pets worldwide.

Optional Riders: Routine and wellness care, including routine vet visits, vaccinations, teeth cleaning, grooming, prescription diets, and more ($18.75-52.09/mo)

Convenience: Offers paperless claims, direct deposit of reimbursements, and a telemedicine hotline.

Other: Embrace reduces your annual deductible $50 each year you don’t receive a claim payment.

Figo   844-869-7028

Provides the most plan customization with adjustable annual and lifetime limits, deductibles, and reimbursement percentages, as well as separate coverage for exam fees and rehabilitation treatments.

Quote: $18.20/mo

Annual Limit: No limit, adjustable

Lifetime Limit: No limit, adjustable

Coverage: Diagnostics, prescriptions, dental care in case of injury, and alternative treatments for accidents, injuries, and illnesses, including hereditary, congenital, and chronic conditions. Covers pets in the United States, Puerto Rico, and Canada.

Other: Coverage for exam fees could be added to Myles’ policy for an additional $3.09/mo and rehabilitation coverage would be an additional $0.50 per month.

Healthy Paws   855-898-8991

In addition to offering pet health insurance, Healthy Paws operates a foundation that helps pet parents handle the expense of their pets’ medical treatments and assists animal rescue organizations to help the many sick pets in their care.

Quote: $20.12/mo

Coverage: Diagnostics, prescriptions, dental care in case of injury, and alternative treatments for accidents, injuries, and illnesses, including hereditary, congenital, and chronic conditions. Covers pets in the United States and Canada.

Does Not Cover: Exam fees or routine or wellness care

Convenience: Offers paperless claims and direct deposit of reimbursements, but not a telemedicine hotline.

Nationwide   888-899-4874

The quote below is for the company’s defined benefit insurance plan. They also offer a Whole Pet with Wellness plan that provides a $250 annual deductible, unlimited annual benefits, and 90% reimbursement percentage. This plan for Myles was $140.49 per month.

Quote: $25.46/mo

Reimbursement: Set out in their benefits table, not based on the actual veterinary costs

Coverage: Exams and diagnostics for accidents, injuries, and illnesses, are set at the defined benefit rate. Prescriptions are also covered. Covers pets worldwide.

Does Not Cover: Most hereditary and congenital conditions.

Optional Riders: Routine and wellness care ($43.46/mo), dental, and alternative treatment riders are also offered

Other: Also offers an accident plan which features a $10,000 annual limit, $250 deductible, 90% reimbursement, $500 per incident limit, and no annual limit for $9 per month.

READ MORE ⇒  Is It Illegal To Leave Your Pet Alone In The Car?

Pets Best   877-738-7237

Provides plan customization with easy claim submission and free direct deposit of reimbursements.

Quote: $18.56/mo

Annual Limit: No limit, adjustable (choose either $5,000 or no limit)

Coverage: Exams, diagnostics, prescriptions, dental care, and some alternative treatments for accidents, injuries, and illnesses, including hereditary, congenital, and chronic conditions. Covers pets in the United States, Puerto Rico, and Canada.

Optional Riders: Two levels of routine and wellness care coverage are offered at $16 and $26 per month.

Other: Offers an accident plan (quote for Myles was $10.52/mo) which features a $100 deductible, 80% reimbursement, $500 per incident limit, and no annual limit.

Pet Partners   866-774-1113

Offers the most customizable pet insurance options.

Quote: $22.13/mo (Custom Plan)

Coverage: Diagnostics, prescriptions, dental care in case of injury, and alternative treatments for accidents and injuries. Covers pets in the United States and Canada.

Optional Riders: Exams ($3.51/mo), routine and wellness care ($17 or $29/mo), and hereditary and congenital conditions ($2.72/mo) can all be included with separate riders.

Other: Offers a Basic Plan for accidents and injuries (quote for Myles was $10.52/mo) which features a $100 deductible, 80% reimbursement, $500 lifetime incident limit, and no annual limit. Also offers supportive coverage for expenses incurred when having to say goodbye to your beloved pet for $2 per month.

Fetch by the Dodo   844-857-5059

Fetch by the Dodo includes unique benefits, like coverage for behavioral therapies, vacation cancellation, and boarding fees for your pet if you are hospitalized.

Quote: $28.32/mo

Coverage: Exams, diagnostics, prescriptions, dental care, and alternative treatments for accidents, injuries, and illnesses, including hereditary, congenital, and chronic conditions. Covers pets in the United States and Canada.

Does Not Cover: Routine or wellness care.

Convenience: Offers paperless claims and a telemedicine hotline, but not direct deposit of reimbursements.

Other: Reduces your renewal premium by 15% for every 12-month period that your pet goes without a paid claim, up to 30%.

Trupanion   855-210-8749

Trupanion’s deductibles are “per condition” rather than annual. That means if your pet develops diabetes, for example, you will pay the costs of his care until you meet your deductible before the insurance benefits kicks in, but then you’ll never have to pay a deductible for any treatment he receives related to diabetes for the rest of his life — as long as you’re insured by Trupanion. That also means, if your pet develops several conditions in a short amount of time, you could end up paying several deductibles during the same year.

Quote: $34.31/mo

Deductible Amount: $500, adjustable

Reimbursement Percentage: 90%, not adjustable

Coverage: Diagnostics, prescriptions, and dental care in case of injury for accidents, injuries, and illnesses, including hereditary, congenital, and chronic conditions. An optional Recovery and Complementary Care Rider ($3.74/mo) covers physical therapy, acupuncture, hydrotherapy, chiropractic care, behavioral modification therapy, homeopathy, and naturopathy. Covers pets in the United States, Puerto Rico, and Canada.

Does Not Cover: Exams or routine or wellness care.

Other: Trupanion does not factor in your pet’s age when determining your annual premium. Additional coverage is available with the Pet Owner Assistance Package ($4.95/mo) for third party property damage liability, advertising and reward if your pet is lost or stolen, boarding fees if you are hospitalized, vacation cancellation costs, and cremation or burial.

Our Decision

Whew!! Are you still with me?

While Myles has been snoozing, we’ve been weighing all the options. It wasn’t easy, but we’re signing him up with Embrace. For us, the deciding factors were worldwide coverage, telemedicine, and unlimited lifetime coverage. We also had Embrace for Buster and were pleased with their service.

Of course, that doesn’t mean Embrace is the best option for everyone. Your circumstances will affect which pet insurance is right for your traveling pets.

It’s easy to get overwhelmed when you’re shopping for pet insurance. To keep yourself organized when comparing the options try setting up a spreadsheet with your priorities across the top and the providers you’re considering down the side. Then fill in the information to determine which will work best for you.

Hopefully my experience helps you find the best pet insurance for your traveling pets! Be sure to let us know how you make out in the comments.

Amazon Affiliate Disclosure: GoPetFriendly.com LLC is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for website owners to earn advertising fees by advertising and linking to amazon.com, audible.com, and any other website that may be affiliated with Amazon Service LLC Associates Program. As an Amazon Associate, the owner of this site earns a commission from qualifying purchases.

Hello, I live in Canada and I am looking for an insurance that would cover multiple trips. I contacted some of the comapnies but most of them said that they only cover the US (some do cover in Canada) too but not internationally. ONE of them does cover anywhere in the world, but it seems like I need a US home address to be able to purchase a policy through them. Any idea what company I could use if I am not living in the US? Thanks!

Hi H.A. and thanks for your note! I’m sorry, but I’m not aware of a pet insurance company that would meet your requirements. Perhaps you could ask your veterinarian if they could recommend some options? Or if there’s a forum (like a Facebook group for your local dog park), you could post a question for other pet owners in your area and ask for their advice? I hope you find a solution – and if you do, please let me know. I’ll add your recommendation to the post so others in your situation have the information, too. Good luck!

I am looking at getting pet insurance for van travelling as well, so this hit the nail on the head! I am wondering how going with embrace worked out for you?

Great question, Kelly! So far, we haven’t had to make any claims for Myles. But, we also used Embrace for Buster, and they were really good to work with, even when he was elderly and needed quite a bit of medical attention. I hope that helps!

I totally agree with everyone. You have done a great research. Your articles are always very informative and helpful. I really appreciate your efforts. One of my friends is very social and had many pets. She is truly a travel freak and this article needs to be shared with her. I travel with my pets but it’s just a normal travel journey, usually from home to grocery store or park around. But before insurance my main priority is getting an ESA letter for my pet. Someone has suggested to me ****** this site to get one. Any suggestions? Is this site legit? I went through the reviews and people were satisfied with their services.I am actually looking for a trusted site with 111% authentication which I think this site have but still I want suggestion. Or any other better site or doctor or clinic, whatever. Any other recommendations? Any suggestions will be fully appreciated. Thanks.

I totally understand wanting to take your pet everywhere you go, Alex, but first, you’d have to be diagnosed with a condition that could be improved by an emotional support dog. Even then, registering your pup as an ESA isn’t going to get you the access you’re hoping for. In my opinion, these companies have caused a lot of abuse of people who truly need assistance animals. I wouldn’t recommend it as a way to circumvent the rules.

Very helpful information. Thank you!

What great information! Thanks so much. Myles is so cute and he’s a lucky guy to have found you guys. Thanks for all that you do :)

You’re so welcome, Lizzie – were’ glad to help! Thanks, and waggin’ trails to you. =)

We use Embrace as well. With a few tiny exceptions, we’ve been happy with them.

I’m glad to hear it’s worked well for you, Roxanne!

Wow, a lot of work went into this and I am bookmarking it for when we get our next dog. Thank you! I love watching Myles grow up. There’s just something about him besides his adorableness, of course.

I’m so happy to help, Debbie! I was doing the research anyway, so it makes sense to share what I found. And thank you — Myles is quite the little character and we’re having a blast with him.

You will be able to Help many people that are overwhelmed with the pet insurance options. We were when we adopted Frankie one yr ago! Thank you for the immense hard research that you have completed! Congratulations on your choice!

Thank so much, Cynthia! It’s definitely a lot of information to process, and you’re not always comparing apples to apples, which makes it more complicated. I’m glad my research can be helpful!

We have had Embrace for 10 years and love them!

That’s great to hear, Doreen! Thanks for your note.

Make sure to subscribe to our newsletter and be the first to know our latest news and pet friendly activities.

Travel Inspiration

National parks, hit the beach, mountain getaways, cities to explore, iconic road trips, unique attractions, related posts.

Session expired

Please log in again. The login page will open in a new tab. After logging in you can close it and return to this page.

We know you’re excited to travel!

In order to save your trips and favorite destinations, you need to set up an account or login .

By creating an account you agree to our Terms & Conditions

Thanks for joining GoPetFriendly!

Please check your email to confirm your registration

Don't have an account? Join Now!

Sorry we can't find any pet friendly listings in our database. Please make sure your search is spelled correctly or try typing fewer characters. nearby ! -->

Do you know of a pet friendly place here? Let us know.

Travel Insurance For Pets: Peace Of Mind When Traveling With Pets

Heading abroad with your furry friend this summer? Discover the benefits of pet travel insurance.

Going on holiday or relocating overseas with your pet can make travel a true adventure. But there’s no need to worry about your pet’s health care while overseas if you have pet travel insurance. Your pet will continue to get expert care while you travel together without forcing you to drain your bank account to pay vet fees. 

Table of contents

What is pet travel insurance, what does pet travel insurance cover, pet insurance for longer trips abroad, is pet travel insurance a legal requirement, what affects the cost, what should i look for in a pet travel insurance policy, does pet travel insurance cover illness, should i get a single-trip or multi-trip pet travel insurance policy, pet travel insurance helps you have a relaxing trip with your furry friend, always know where your dog is.

Follow every step in real-time with unlimited range. Get alerts if they wander too far. Keep them happy & healthy with Wellness Monitoring. And let others – like walkers or sitters – keep an eye on your dog too.

Pet travel insurance provides financial protection if your pet is accidentally injured, goes missing, or is quarantined while they are traveling abroad with you.

You can’t buy stand-alone pet travel insurance. It’s usually included in your existing pet insurance policy, or purchased as an extra add-on to your policy. Check out our full guide on how pet insurance works .

It’s no fun leaving your dog or cat in the care of a pet-sitter or at a kennel when you go on holiday. But travelling can be full of surprises, especially if you are traveling abroad or relocating to a new home overseas with your four-legged friend.

Pet travel insurance can give you reassurance that your beloved pet will get the professional, urgent treatment they need if an accident or injury occurs when you are away from home.

Imagine you are relaxing by the pool at your seaside villa, while your dog is exploring the garden. Suddenly, your pup is yelping in pain. Is it a bee sting? Did they eat a toxic plant ? Should you rush to the local veterinarian?

With pet travel insurance, you won’t need to think twice about getting your pet the emergency care they need . You know that your pet travel insurance policy will help cover the vet fees, even during your extended overseas travel or holiday.

Most pet travel insurance policies cover for:

• Overseas vet fees: Cover may help with the cost of treatment for illness or injury to your pet while you are traveling abroad.
• Quarantine costs: If your pet becomes ill and must be quarantined before returning home, pet travel insurance may help cover this cost, which can be significant.
• Loss of travel documents: If you lose or misplace your pet’s travel documents, your policy may help cover the costs to replace them.
• Emergency expenses abroad: If your pet goes missing or is lost, your pet insurance policy may help cover these expenses and other fees, such as transportation to get your pet home after an illness or injury.
• Trip cancellation: Your pet insurance policy may reimburse some costs if you must cancel or shorten your holiday due to your pet’s illness or injury that occurs while you are away from home.

Every dog insurance or cat insurance policy is different. The type of cover offered by various insurance companies can vary. It is very important to read your policy documents carefully, including the fine print. So there will be no surprises when you need to use the policy’s benefits or make a claim while traveling.

Most pet travel insurance policies are in effect for set time periods , usually about 90 days per year. If you need extended coverage, talk to your insurance provider to learn which options are available.

Pet travel insurance is not a legal requirement when taking your pet abroad on holiday, or when relocating to a different country. However, most pet parents enjoy the tremendous peace of mind that comes with knowing that their pet can receive the care they need if an accident or illness happens during travel.

You can no longer use pet passports issued in Great Britain to travel to the European Union or Northern Ireland. However, you will need an Animal Health Certificate when traveling, which can be obtained from your veterinarian. 

Even though pet travel insurance and a pet passport are not a legal requirement for travel, you want to avoid having to put your pet in quarantine when traveling between two countries. Quarantines are enforced because your pet may be carrying a disease, and authorities want to keep animal diseases out of the country you are visiting. Quarantine periods may be many days or weeks long and you must pay to have your pet quarantined.

To avoid quarantine completely, you can show that your pet is healthy and up to date on vaccinations by participating in the Pet Travel Scheme (PETS) . This allows pet dogs, cats, and ferrets who meet certain requirements to be taken in and out of participating countries, including the UK, without having to be quarantined.

To be eligible for the Pet Travel Scheme, your pet needs:

• a microchip
• an up-to-date rabies vaccination
• an Animal Health Certificate and
• to have undergone flea, tick, and tapeworm treatment with an official certificate as proof.

Talk to your veterinarian about meeting the requirements for the Pet Travel Scheme. In most cases vaccinations need to be given at least 21 days prior to the start of your trip, so plan accordingly.

Pet travel insurance may not cost you anything extra – it may already be included in your pet health insurance policy . Read your pet health insurance policy carefully to see if pet travel cover is included.

If you policy does not cover pet travel, you may be able to buy this as an extra add-on to your pet health insurance policy. 

Several factors can affect the cost of your pet travel insurance.

• Some dog breeds may cost more to insure, especially if they are prone to genetic medical conditions.
• Older pets may be more expensive to cover, or your insurer may not provide any type of cover for them due to their age. 
• Pets with pre-existing conditions may not be covered for their medical condition. 

You should always compare pet travel insurance policies carefully to make sure they fit with your cover requirements and your budget. 

It’s important to know exactly what’s in your pet travel insurance policy. You want it to cover your pet’s needs and fit with your travel plans. Here are some items to check within your policy:

• Which countries are included in the cover?
• What is the maximum amount of money that can be paid out for a claim?
• What type of situations are covered, such as accidents or illnesses?
• What age will the policy cover your pet up to? 
• Are pre-existing conditions excluded? Are there other exclusions?
• How many weeks or months will the cover last when you are abroad?

If you already have pet health insurance for your furball, you may already have cover for some of these situations. Read your policy carefully before you head off on your holiday.

Most pet travel insurance policies cover medical treatment for illnesses that your pet may contract while you are traveling. But some situations, such as if your pet becomes ill before you depart, may not be covered if you decide to cancel your trip. Each policy is different, so make sure you know exactly what is covered before you buy the policy.

If you and your furry friend are frequent travelers, you might investigate buying multi-trip pet cover. This may be a cost-effective alternative to buying a one-time policy for each trip, especially if they occur within a short time period. 

You want to enjoy your holiday with your pet, and spend money on enjoyment, not veterinary bills should an accident occur. Take away one source of worry by buying pet travel insurance before you leave on holiday. You’ll get to enjoy the company of your dog or cat without stressing about unexpected bills.

Other Topics

19 March 2024

The Main Types Of Pet Insurance: Which Works Best For You?

Help your buddy live their healthiest life by your side.

14 February 2024

Benefits Of Pet Insurance: Is It Worth The Investment?

Why pet insurance = a longer, happier life with your pet.

How Does Pet Insurance Work? A ‘Paw by Paw’ Breakdown

And how it helps you take an active role in your pet's wellbeing.

Stay up to date

Sign up to our newsletter.

Join our pack for pawsome updates. Get discounts and tips for pet parents!

Awesome! You're all signed up.

Oops! Something went wrong. Please try again.

Email address is empty or invalid.

• Best Pet Insurance Companies

Best Pet Insurance Companies Of April 2024

Updated: Apr 9, 2024, 6:18am

We evaluated 10 policies and found that Pets Best, Embrace and Paw Protect are the top three best pet insurance companies.

A pet insurance policy not only covers common problems like pet digestive issues and skin infections, but also major medical emergencies like cancer, diabetes and swallowed foreign objects. You’ll find that pet insurers offer a wide range of coverage types and benefits.

• Cheapest Pet Insurance Companies
• Best Pet Insurance Wellness Plans For Routine Care
• Best Emergency Pet Insurance
• Best Pet Insurance For Multiple Pets

Summary: 2024 Best Pet Insurance Ratings

The best pet insurance companies, how to find the best pet insurance company.

• How Much Does Pet Insurance Cost?

Best Pet Insurance Policies at a Glance

How to buy a pet insurance plan, methodology, other pet insurance companies we rated, best pet insurance frequently asked questions (faqs), how we chose the best pet insurance.

We analyzed key coverage categories such as pet insurance costs, the ability to pay the vet directly, the availability of a 24/7 vet health line and the option to add a wellness plan. Our editorial content is not influenced by advertisers. We use data-driven methodologies to evaluate insurers so that all companies are measured equally. You can read more about our editorial guidelines and methodology for the ratings below.

• 32 coverage categories evaluated
• 4,066 pet insurance rates crunched
• 102 years of insurance experience on the editorial team

BEST OVERALL

Maximum annual coverage

$5,000, Unlimited

Average monthly cost for Unlimited coverage

$44 for dogs$25 for cats

Deductible choices

$50, $100, $200, $250, $500, $1,000

We were impressed by Pets Best because it combines solid basic coverage with the lowest prices for unlimited annual coverage among the companies we analyzed. Its wide range of deductible choices can help you budget for possible claims. You’ll also be able to add a wellness plan for routine pet care expenses.

• Accident coverage waiting period of only 3 days.
• Has a 24/7 pet telehealth line.
• Can pay the vet directly if the vet agrees.

Our rating is based on Pets Best’s Essential plan. For broader coverage (at a higher price), consider the Pets Best Plus or Elite plan.

More: Pets Best Pet Insurance Review

• The Essential plan does not cover the vet exam fee, but you can get that coverage by choosing the Plus or Elite plan.
• 6-month waiting period for coverage of cruciate ligament issues.
• The Essential plan does not cover behavioral or alternative therapies, but the Pets Best Elite plan will cover acupuncture and chiropractic care if your pet needs rehabilitation.

BEST FOR HEALTHY PET DISCOUNT

$5,000, $8,000, $10,000, $15,000, Unlimited

$76 for dogs; $47 for cats

$100, $250, $500, $750, $1,000

We like Embrace because it offers a unique way to save on accident and illness plans with its Healthy Pet Discount Program. If your claim reimbursements are less than $300 per pet in the year prior to the discount period, you’ll qualify for a 5% discount in the first year and 10% in the second year for each pet. Embrace will automatically apply the savings to your annual payment or monthly bill.

• Waiting period of only 2 days for accident coverage.
• Covers vet exam fees.
• Has a 24/7 pet telehealth line and optional wellness plan.
• Can pay a veterinary hospital directly—but generally only for very large claims where it would be prohibitively expensive to pay and wait for reimbursement.

More: Embrace Pet Insurance Review

• Higher-than-average costs compared to top competitors in our analysis.
• Waiting period of 6 months for coverage of orthopedic conditions, which can be waived if your pet has an orthopedic exam after you purchase a plan.

GREAT FOR SUPERIOR BENEFITS

Paw protect.

$5,000, $10,000, Unlimited

$77 for dogs; $47 for cats

$100, $250, $500

We like Paw Protect for its excellent coverage benefits, including access to a 24/7 vet telehealth line, the option to add a wellness plan and coverage for veterinarian exam fees. Note that this is the same plan as Embrace.

• Only a 2-day waiting period for accident coverage.
• Covers behavioral therapy.
• Covers alternative therapy (such as acupuncture).

More: Paw Protect Pet Insurance Review

• 6-month waiting period for coverage of orthopedic conditions, but it can be waived if your pet has an orthopedic exam after you purchase the plan.
• Higher-than-average costs compared to top competitors.

GREAT FOR SHORT WAITING PERIOD FOR ACCIDENT COVERAGE

$59 for dogs; $32 for cats

$100, $250, $500, $750, $1,000, $1,500

We picked Figo due to its short 1-day waiting period for accident coverage. It also offers a wide variety of coverage, reimbursement and deductible options so you can work within your budget.

• Offers a 100% reimbursement option.
• Routine wellness plan available.

More: Figo Pet Insurance Review

• Coverage for vet exam fees can be added but for an extra cost. Some top competitors include this in the base coverage.
• 6-month waiting period for orthopedic problems, but can be waived if your vet signs an orthopedic conditions waiver within the first 30 days of the policy.
• No option to pay the vet directly.

BEST FOR CHOICES OF ANNUAL COVERAGE

$2,500, $3,000, $4,000, $5,000, $7,000, $10,000, Unlimited

$96 for dogs; $46 for cats

We found that Spot has an enviable selection of annual coverage choices and deductible options. You can customize coverage levels in order to get to a monthly cost that fits your budget.

• Includes coverage for behavioral and alternative therapies.
• No special waiting periods for problems like cruciate ligament conditions.
• Can pay the vet directly if you make a request and the veterinarian allows for direct payment.

More: Spot Pet Insurance Review

• High average price for unlimited annual coverage.

GREAT FOR BOARDING FEES

$5,000, $10,000, $15,000

$47 for dogs; $43 for cats

$300, $500, $700

We like Fetch because it includes coverage for boarding/kennel fees if you are hospitalized for four or more days, up to $1,000. That’s a benefit you won’t find at most pet insurance companies. While Fetch has limited annual coverage and longer waiting periods compared to top competitors, we like its low prices.

• Optional wellness plan available.
• Covers advertising fees and a reward if your pet is lost or stolen, up to $1,000.
• Covers vacation cancellation fees if you have to stay home due to a sick pet.

More: Fetch Pet Insurance Review

• 15-day waiting period for accidents and illnesses.
• 6-month waiting period for coverage for pre-existing cruciate ligament issues and hip dysplasia. (The problem may be covered if the issue occurs within 30 days of your policy purchase and there’s documentation that it’s a new condition.)
• No 24/7 vet helpline.

GREAT FOR UNLIMITED ANNUAL COVERAGE

Healthy paws.

$52 for dogs; $23 for cats

We picked Healthy Paws because it offers unlimited annual coverage at a lower-than-average cost compared to other top competitors. But vet exam fees are not covered and pets enrolled at age 6 and older will not be covered for hip dysplasia.

• No annual coverage limit on claim payouts.
• Pays vet directly if you make a request to Healthy Paws in advance of treatment.

More: Healthy Paws Pet Insurance Review

• Choices for deductibles and reimbursement levels are related to the pet’s age and other factors, but Healthy Paws does not disclose the exact deductible schedule. You have to get a quote to find out your choices.
• Doesn’t offer wellness or routine care coverage.
• Doesn’t cover vet exam fees for accidents or illnesses.

GREAT PRICES FOR DOGS AND CATS

$5,000, $10,000, $20,000, $50,000, $100,000

$46 for dogs; $27 for cats

$100, $250, $500, $750

We like Lemonade due to its very competitive rates for dogs and cats. But you’ll give up some things like a 24/7 vet helpline, and coverage of the vet exam fee is available only by buying an add-on.

• Lower-than-average prices for dogs and cats.
• Accident coverage waiting period of only 2 days.
• Has live chat for pet health questions seven days a week from 6 a.m. to 12 a.m. ET.

More: Lemonade Pet Insurance Review

• Many coverage perks are only available as add-ons for extra cost.
• 6-month waiting period for coverage of cruciate ligaments.
• No coverage for behavioral or alternative therapy.
• No coverage for stem cell treatment, prescription food or microchipping.

With all the variations in pricing and coverage details, it can be challenging to compare pet insurance plans in an apples-to-apples way. We found the best way to do it is by prioritizing the benefits that are the most important to you and then comparing prices among the policies that match your must-haves. Here’s how we chose the best pet insurance.

The first thing we recommend looking at is the plan type. We recommend a comprehensive pet insurance plan that covers accidents and illnesses. Pet insurance can generally be broken down into these plan types.

Related : What Does Pet Insurance Cover?

Coverage Level

Pet insurance policies will typically offer a range of annual maximums, deductibles and reimbursement levels to choose from. We would prioritize choosing coverage levels you’re comfortable with rather than focusing on price alone. In the event of an expensive claim, you’ll be glad you bought sufficient coverage.

Waiting Periods

A waiting period is the time between the policy purchase date and when the coverage begins. If you have a dog, we recommend taking a hard look at any special waiting periods, such as those for cruciate ligament issues. Many policies have a six-month waiting period for this but some insurers will waive this waiting period if you have an orthopedic exam done.

Pet Insurance Discounts

Pet insurance discounts are a good way to save. Here are discounts we found in our analysis, but they will vary by company:

• Multipet discount. Many insurers offer a discount if you insure more than one pet .
• Spay/neuter discount. Some insurers offer discounts to pet owners who have their pet spayed or neutered .
• Annual pay discount. You can often reduce costs if you pay your annual premium in one lump sum.
• Military discount. Some insurers offer discounts for military members and veterans.
• Group discount at work. Some employers offer pet insurance as a voluntary benefit, which could get you a 5% to 10% discount.
• Bundle discount. You can get up to a 10% discount when you bundle Lemonade pet insurance with a Lemonade renters or homeowners insurance policy.

Pet Insurance Discounts by Provider

Other Pet Insurance Comparison Factors

Here are two more factors we would look at when buying a pet insurance plan:

• Exam fees. When you take your pet to the veterinarian for an accident or illness, you pay an exam fee, costing $100 or more depending on your veterinarian and visit type. Make sure the policy covers these exam fees because not all do.
• Benefits. Look for extra benefits like a 24-hour vet helpline in case your pet gets sick at night. As another example, Nationwide pet insurance members have access to preferred pricing on pet prescriptions at any Walmart pharmacy.

Pet insurance costs an average of $48 for a dog and $28 per month for a cat, according to our analysis of pet insurance costs . That’s for a policy with $5,000 of annual coverage, a $250 deductible and 80% reimbursement level. A policy with unlimited annual coverage, a $250 deductible and 80% reimbursement level costs an average of $68 per month for a dog and $40 per month for a cat.

Pet Insurance Cost Comparison by Company

Costs are based on a plan with unlimited annual coverage ($15,000 for Fetch and $100,000 for Lemonade), a $250 deductible ($300 for Fetch and $750 for dogs and cats over age seven in several states for Healthy Paws) and 80% reimbursement level for mixed breed dogs and mixed breed cats.

Factors That Determine Pet Insurance Cost

Your pet insurance costs will be determined by factors such as:

• Annual maximum, deductible and reimbursement level.
• Pet’s age, breed and gender.
• Your location.

How Much Does Pet Insurance for Dogs Cost?

The average cost of pet insurance for a dog is $48 per month for $5,000 in annual coverage, a $250 deductible and 80% reimbursement level. A policy with unlimited annual coverage, a $250 deductible and 80% reimbursement level costs $68 per month.

• Pet insurance for a puppy costs $41 per month for a policy with $5,000 in annual coverage, a $250 deductible and 80% reimbursement level.
• Pet insurance for a puppy costs $58 for unlimited annual coverage, a $250 deductible and 80% reimbursement level.

How Much Does Pet Insurance for Cats Cost?

The average cost of pet insurance for a cat is $28 per month for $5,000 in annual coverage, a $250 deductible and 80% reimbursement level. A policy with unlimited annual coverage, a $250 deductible and 80% reimbursement level costs $40 per month.

• Pet insurance for a kitten costs $23 per month for a policy with $5,000 in annual coverage, a $250 deductible and 80% reimbursement level.
• Pet insurance for a kitten costs $32 per month for unlimited annual coverage, a $250 deductible and 80% reimbursement level.

Here’s a quick look at some of the top policy features to look at when you’re buying pet insurance.

Waiting Period Comparison

Accident and illness waiting periods are often similar among plans. But make sure to note any special waiting periods and whether you can get them waived.

Coverage Levels Comparison

We recommend comparing quotes for different coverage levels so that you can zero in on the combinations that best fit your budget. You’ll pay more for pet insurance with higher annual coverage amounts, lower deductibles and higher reimbursement levels.

Policy Reimbursement Comparison

We recommend looking at valuable benefits like coverage for vet exam fees. Not all insurers include this with their base coverage. If having access to a 24/7 vet telehealth line is important to you, we recommend choosing an insurer that provides this benefit. It’s also a good idea to look at insurers that offer optional pet insurance wellness plans for routine care if you want coverage for vet expenses like annual wellness exams and vaccinations.

Coverage Details Comparison

We suggest looking at other valuable coverage types such as coverage for behavioral therapy and alternative therapy (like acupuncture or chiropractic care). Some insurers include this with their base coverage. You can also look for insurers that cover the cost of microchipping and end-of-life expenses.

• Compare Pet Insurance Quotes

Compare 10+ Leading Pet Insurers In Minutes

These simple steps will get you to the best policy for your situation.

To find the best pet insurance we used data provided by PetInsurer.com to score each pet insurance company based on the following:

• Pet insurance rates (40% of score): We calculated average rates for medium sized mixed breed dogs age 3 months, 2 years, 5 years and 7 years for plans with unlimited coverage, a $250 deductible and a 80% reimbursement level, or the closest options available.
• Special waiting period (10% of score): Many pet insurance companies have a special waiting period for problems such as cruciate ligament issues and hip dysplasia. Plans that had no waiting period , a waiting period of fewer than six months or the ability to have the waiting period waived scored higher.
• Direct payment to vet (10% of score): Pet insurance companies that have the ability to pay a vet directly earned points.
• 24/7 vet health line (10% of score): Insurers that provide access to a 24/7 vet health line earned points.
• Routine wellness plans (10% of score): Insurers that offer optional wellness plans earned points.
• Pays veterinary exam fees (10% of score): Plans that cover the vet exam fee received points. Not all insurers cover exam fees, even if the fee is for an illness or accident-related visit.
• Euthanasia or end of life expenses (5% of score): Insurers that cover end of life expenses, such as euthanasia, cremation or burial fees, received points.
• Multipet discount (5% of score): Many pet insurance companies offer a discount if you insure more than one pet. Insurers that offer a multipet discount earned points.

Compare Pet Insurance Plans

Via PetInsurer.com's Secure Website

Is pet insurance worth it?

We found the best way to determine if pet insurance is worth it is to consider how an unexpected vet bill could impact your personal finances. For example, if you’ve been paying about $50 per month for dog insurance for three years, you’ve paid $1,800 in pet insurance premiums.

Let’s say your dog swallowed a tennis ball and surgery cost $3,500. If you have a $250 deductible and 80% reimbursement level, your out-of-pocket cost for treatment would be $900 ($250 deductible + 20% of $3,250 = $900). Adding up the premium for three years and what you’ve paid toward treatment, you’ve paid $2,700 and avoided paying $800 by having pet insurance.

What is the best dog insurance?

We found that Pets Best is the best dog insurance company because of its solid coverage options and low prices for unlimited annual coverage among the companies we evaluated. Dog owners will find a 24/7 vet telehealth line, the option to add a wellness plan and the ability to pay the vet directly, which can help keep out of pocket expenses low.

Other pet insurance companies that scored well in our analysis include Embrace, Paw Protect, Fetch, Figo, Healthy Paws, Lemonade and Spot.

What is the best cat insurance?

We found that Pets Best is the best cat insurance due its competitive prices and coverage options. These include access to a 24/7 vet telehealth line, an optional wellness plan and the ability to pay the vet directly.

Other insurers that were among our winners for best cat insurance companies include Embrace, Paw Protect, Spot, Figo and Healthy Paws.

Next Up In Pet Insurance

• Best Pet Insurance
• Best Cheap Pet Insurance
• What Does Pet Insurance Cover?
• Is Pet Insurance Worth It?

As a former claims handler and fraud investigator, Jason Metz has worked on a multitude of complex and multifaceted claims. The insurance industry can be seemingly opaque, and Jason enjoys breaking down confusing terms and products to help others make well-informed decisions.

Questions about traveling with a pet?

Contact | email | facebook, insurance for traveling pets.

Why is pet insurance important?

Did you know that, every 6 seconds, a pet owner is faced with a veterinary bill over $1,000.

As a traveling pet owner, one of the most important things you can do is ensure that your pet is as healthy as possible prior to traveling. But, what happens if your pet is injured or struck with a sudden illness while you are away from home?

With most pet insurance policies, if your pet gets sick or has an accident, you can go to any licensed veterinarian in your origin or destination country for treatment.

With many policies, if your pet gets sick or injured in a foreign country, you will need to pay for treatment, then claim the expenses when you get home.

What to consider before making a decision

• Does the policy cover all chronic, congenital and hereditary conditions? Many insurance companies will not cover preexisting or breed-typical conditions.
• Is there a time limit on treatment per condition?
• Is there a dollar limit on treatment per condition?
• Are there flexible coverage options to fit your budget and needs exactly?
• How well established is the company? How is it rated?

When should pet owners consider getting pet insurance?

• Your budget will not allow veterinary expenses due to accidents, sickness or injury.
• Your pet's breed is known for having additional health issues. (King Charles Cavelier, snub-nosed breeds, Dachshunds, etc.)
• You have an adventurous pet that likes to explore, is very active or gets into everything.

Knowing that your pet's medical expenses are covered brings tremendous peace of mind, making pet insurance invaluable to the traveling pet owner.

Bringing your pet on your first post-pandemic vacation? Here's what you need to know.

More than 23 million American households – almost 1 in 5 nationwide – adopted a pet during the pandemic . And now, many of those Americans will try to take their first vacation with a cat, dog, or bird.

Are you ready?

Traveling with pets is one of the most controversial topics I've ever covered. From fake emotional support animals to annoying owners, the fur always flies when I write about animals and travel. 

But it's a fair question: What happens when you try to take all those pandemic pets on vacation with you? Should you even bother? And if you do, what should you know?

"Travel with pets has become more difficult after the pandemic," says Josh Snead, CEO of Rainwalk Pet Insurance . 

Are you traveling with dogs or cats this summer?  Download these helpful apps

There's a long list of pet travel challenges, including new fees and tighter rules for traveling with animals. Summer is particularly hard because airlines have limits on transporting animals during hot weather . Maybe the biggest obstacle is an explosion of false rabies documents from pet importers , making it harder to transport any animal across borders, Snead says.

"Often," he adds, "the red tape makes it so expensive it's no longer worthwhile."

I flew with a dog for the first time: Here's what I wish I'd known beforehand

What happens when all those pets travel this summer?

Traveling with pets isn't always the best idea. If you're moving across the country and need to take Rover along, fine. If you have a documented disability and have a trained and well-behaved service animal, OK.  But I've never seen a dog or cat "ask" to go on vacation. In fact, if they knew they'd be compressed into a carrying case for hours or cooped up in a hotel room, they'd probably prefer to not go on vacation with you.

But if even a small percentage of the pet-owning population travels with an animal this summer, things could get interesting. According to the American Veterinary Medical Association , almost 39% of American households own dogs; another 25% own cats – or maybe it's more accurate to say, are owned by cats. And those are pre-pandemic numbers. So imagine what happens when they hit the road.

Airfares for less than $300?   'Start monitoring those prices now' for holiday travel

Here's what they'll face:

More pet fees. About half of U.S. hotels allow pets, according to CanMyPetStay.com , a site that tracks pet policies. Of those, 95% charge a pet fee, which averages $43 per night or $94 per stay. Randy Greencorn, who publishes the site, advises pet owners to call the hotel in advance to confirm pets are allowed. "And request the hotel add your pet to the reservation to avoid complications at check-in," he adds.

New rules. Janice Costa, owner, of  Canine Camp Getaway , says she's seen all kinds of new pet rules recently. They range from higher cleaning fees to charging per pet instead of per room. Also new at some hotels are size limits for dogs. ​​"Other hotel chains now have policies limiting guests to one dog per room," she says. "And more hotels seem to be instituting a policy where dogs may not be left in the room unattended, even in a crate. That can be problematic if you'd like to go out to dinner or do something non-dog-related while traveling."

Inexperienced owners. Many Americans will be traveling with their pet for the first time. A new survey by Harvest Hosts , an RV membership program, found that only half of travelers (52%) base their travel plans on accommodating their pets. That means some pet owners will leave their dogs and cats in their hotel room or RV while they enjoy their vacation, which is no vacation for the animal. You can't do anything about inexperienced owners. But you can plan ahead if you're taking your pet.

Should travelers be worried about monkeypox?  Here's what to know

New pet programs. Hotels know that this will be a big summer for pet travel. For example, Kimpton Hotels recently introduced a new program called KimptonxWag . It's a partnership with mobile platform Wag! , that pairs pet owners with professional pet caregivers for boarding, sitting and walking. If you're staying at a Kimpton property, you can easily find someone to take your best friend for a walk or keep him company while you're out to dinner. "Once you've determined your dog is coming on the road with you, you have to make sure you're carefully considering the hotel you stay with," says Nick Gregory, Kimpton's senior vice president of hotel operation.

Advice for traveling with your pet: Maybe you shouldn't

That's a lot to consider before traveling with a pet this summer. And yet many pet owners think of their own vacation needs before their pets. They travel to places where pets aren't welcome or will not be comfortable.

Sasha Armstrong, creator of the Canine State of Mind educational program, says taking a successful trip with your pet requires more planning than a regular vacation.

"It's a great idea to choose a spot in nature if at all possible or try to choose a place to stay that serves your dogs' needs as much as it serves your own needs," she says.

And if you can't? Ask a friend at home to look after your furry companion while you're gone and save your pet – and you – the unnecessary stress.

Your summer pet travel checklist

Food and emergency contacts. "Plan ahead to ensure items a pet typically needs at home are brought along on the trip," advises Darcia Kostiuk, a senior veterinarian for Orijen pet food . That doesn't just include the usual items, like food, dishes, leashes and collars, carriers, litter pans and bags, treats, toys, medications and blankets. Kostiuk also recommends having phone numbers of trusted veterinarians and local emergency vet clinics on hand.

Documentation. "It's important to bring all the papers," says Jean Shafiroff, a spokeswoman for American Humane . That includes any required vaccination and health certificates. Shafiroff, who owns five rescue dogs, notes that airlines are particular sticklers when it comes to documentation. "Foreign dogs especially have a more difficult time getting into the U.S.," she adds.

Pet travel insurance. A new report by travel insurance company Battleface  found that 44% of Americans want the ability to customize travel insurance policies to fit their specific needs, including a pet travel package. Some travel insurance plans offer coverage for pet-related expenses. For example, if your return trip is delayed at least six hours and you can't pick up your dog or cat on the scheduled day, Seven Corners RoundTrip Choice will cover up to $500 for kennel fees or expenses. You can also consider a "cancel for any reason" policy. "Perhaps your pet is older, or you're worried they'll get sick while you're away," says Angela Borden, a product specialist at Seven Corners.

Pet Travel Insurance: Do You Really Need It?

Table of contents.

Planning a trip with your furry companion can be an exciting adventure, but it’s essential to consider their safety and well-being during travel. One way to provide an extra layer of protection for your pet is through  pet travel insurance . In this blog post, we’ll delve into the benefits of pet travel insurance, when it’s essential, what it typically covers, and what factors to consider when choosing a policy.

The Benefits of Pet Travel Insurance

Emergency medical expenses coverage.

Just like humans, pets can unexpectedly fall ill or get injured while traveling. Pet travel insurance can cover emergency medical expenses, including veterinary visits, medications, and even surgery. This coverage ensures that your pet receives the necessary medical attention without causing financial strain.

Trip Interruption and Cancellation Coverage

Life is unpredictable, and travel plans can sometimes change due to unforeseen circumstances. Pet travel insurance often includes trip interruption and cancellation coverage. If your trip is cut short or canceled due to reasons such as a family emergency, you can receive reimbursement for non-refundable expenses.

Lost or Stolen Pet Coverage

Losing a pet in an unfamiliar location can be distressing. Some pet travel insurance policies offer coverage for advertising and reward expenses to help reunite you with your lost furry friend. Additionally, coverage for stolen pets can offer peace of mind in case the unthinkable happens.

When is Pet Travel Insurance Essential?

Long-distance travel.

If you’re embarking on a long-distance journey, especially by air or sea, pet travel insurance is strongly recommended. These modes of transportation involve various risks and uncertainties, making insurance coverage crucial to ensure your pet’s safety and well-being.

International Travel

When traveling across borders, you may encounter different regulations and requirements for pets. Pet travel insurance can help cover the costs associated with meeting these requirements, including vaccinations, microchipping, and documentation.

Pets with Pre-existing Conditions

If your pet has pre-existing medical conditions, having insurance can provide peace of mind knowing that any unexpected medical expenses related to their condition will be covered.

Understanding Coverage and Choosing the Right Policy

Pet travel insurance policies can vary widely in terms of coverage and cost. Here’s what you should typically look for in a policy:

Medical Coverage

Ensure that the policy covers a range of medical expenses, including accidents, illnesses, and emergencies. Check if routine care, vaccinations, and pre-existing conditions are covered.

Travel-related Coverage

Look for coverage related to trip cancellations, delays, lost baggage, and accommodations if your travel plans are disrupted.

Geographical Coverage

If you’re traveling internationally, confirm that the policy extends coverage to the destination country and covers any necessary quarantine expenses.

Limits and Deductibles

Understand the limits on coverage and any deductibles you’ll need to pay out of pocket.

Reputation of the Provider

Choose a reputable insurance provider with a history of excellent customer service and reliable claims processing.

Pet travel insurance offers invaluable protection for your beloved furry friend during your journeys. Whether you’re planning a vacation or moving across the globe, having the right insurance coverage ensures that your pet’s health and well-being are a top priority. Evaluate your pet’s needs, travel plans, and the coverage options available to select a policy that provides the peace of mind you deserve.

Contact Relopet International

For seamless and stress-free pet transportation services, rely on  Relopet International . We understand the importance of your pet’s safety and comfort, and our expertise ensures a smooth travel experience for both you and your furry companion. Contact us today to learn more about our services.

Leave a Comment Cancel Reply

Your email address will not be published. Required fields are marked *

Save my name, email, and website in this browser for the next time I comment.

• [email protected]

Pet Travel Insurance?

• Health Tips
• Poison & Toxicity
• Pet Medication
• Routine Care
• Accidents & Injuries
• Play & Exercise
• Behavior & Appearance
• Nutrition & Feeding
• New Pet Parent
• Petlanthropy
• Privacy Policy
• Pet Clinic Near Me
• Petcare Bytes on Google News

Pet Travel Insurance: Everything You Need To Know

Traveling with pets can be enjoyable, but it can make trip preparation a bit more complicated. There is a lot to consider every step of the route, including the safety of your pet. Pet travel insurance covers the loss, injury, or death of your pet during a trip.

• 1 What is pet travel insurance?
• 2 How does pet insurance work when traveling?
• 3 Does pet insurance cover travel cancellations due to sick pets?
• 4 How much is pet insurance for a flight?

What is pet travel insurance?

Covers the loss, injury, or death of your pet while traveling from Point A to Point B. These plans, often known as pet transport or pet taxi insurance, provide liability coverage for businesses that provide transport, shipment, and delivery services for pets traveling without their owners.

If you are transporting your pet by land, air, or sea, you should strongly consider purchasing pet travel insurance due to significant health hazards. Transportation on the ground is safer for traveling pets than traveling as air cargo, however, the following difficulties are frequent in any setting:

• Travel sickness
• Increased levels of tension
• Accidental injuries
• Heat exhaustion
• Hypothermia

Before transporting your pet, be sure the carrier is licensed and offers $100 to $500 per pet in travel insurance. If you’re flying with your pet, be aware that airline restrictions differ. Some parties can limit their liability to checked luggage, which is $3,330 for domestic flights.

Note that these fictitious amounts indicate the highest sum you could get in the event of an injury or death to your pet during travel. Not covered by travel insurance are sick pets or natural illnesses that may arise during traveling. Neither do these plans cover ongoing health issues resulting from a mid-transport incident that occurs later.

A standard pet insurance policy would be required for comprehensive and long-lasting coverage.

Read More:  Where to Leave a Cat While on Vacation?

How does pet insurance work when traveling?

If your pet insurance includes travel coverage, you may be reimbursed for veterinary expenditures paid while you are away from home, providing the service was not related to a pre-existing condition.

Unless your carrier supports Vet Direct Pay, the coverage will operate the same internationally and in other states:

• Pay for your own veterinarian care.
• Submit a bill for services covered
• The policy’s reimbursement rate is applied to payouts (assuming the deductible has been satisfied and the yearly maximum has not been reached).

Some carriers, such as ASPCA Pet Insurance, provide pets with additional travel benefits.

• Insurance for stolen or misplaced pet passports or health certificates
• Quarantine kennel fee coverage
• Promotional and reward coverage should your pet become lost or stolen.
• Availability of a nonstop pet hotline

Numerous insurance companies offer supplemental pet health policies that may reimburse the expenditures connected with acquiring a pet passport, such as the cost of a veterinarian exam, microchipping, and required vaccinations for dogs and cats.

Does pet insurance cover travel cancellations due to sick pets?

Some pet insurance providers, such as Pet Plan and Trupanion, pay for pet-related travel cancellations. Typically, the cancellation coverage will cover your travel fees if you are forced to cancel or shorten your vacation due to an emergency involving your pet.

How much is pet insurance for a flight?

Only corporations may receive pet travel insurance, therefore you must enroll in conventional coverage and pay a monthly fee. Dog insurance costs $49.51 and cat insurance costs $28.48 on average, depending on where you live and the coverage you choose.

Numerous individuals get pet travel insurance prior to their cat or dog’s unaccompanied flight, then cancel the policy upon arrival. If you intend to purchase pet insurance solely for a flight, you must investigate the cancellation policy to determine whether you will incur cancellation fees or receive a prorated refund of the monthly premium.

However, if you frequently travel with your four-legged friend, you may wish to preserve your pet insurance for future flights. By canceling and re-registering for each flight, you run the risk of having any pre-existing conditions your pet may develop excluded from your next policy. If anything relevant to the health problem occurred during travel, such as the stress of flying aggravating a pet’s heart condition, the pet would not be eligible for insurance coverage.

For pets going overseas, you’ll require a health certificate within 10 days of your journey, requiring a vet visit. If you want to be reimbursed for your pet’s foreign test fees and services, you must enroll well in advance. The insurance won’t take effect until the required waiting period has passed.

RELATED ARTICLES MORE FROM AUTHOR

The Importance of Mental Stimulation for Pets

The Surprising Health Benefits of Having a Pet

The Science Behind Your Pet’s Personality

Top 5 Apps for Pet Owners: Making Life Easier

The Impact of Climate on Pet Health

Pet Insurance for Puppies and Kittens: Starting Early

Popular posts.

Choosing the Right Pet Trainer: What to Look For

Pet-Proofing Your Home: Preventing Accidents

Pet-Friendly Hiking Trails: Exploring Nature with Your Pet

Pet Insurance for Exotic Birds: Special Considerations

Grooming Tips for Your Pet During the Winter

5 Things We Learned About Pet Care In 2023

Parrot Care Tips

Popular category.

• Pet News 304
• New Pet Parent 111
• Care & Safety 87
• Healthcare 71
• Health Tips 64
• Pet Medication 58
• Routine Care 48
• Diseases A-Z 47
• Lifestyle 42

Top-rated pet insurance in the USA 🇺🇸

Find the best pet insurance for your state., featured in.

We’re the pet insurance marketplace endorsed by US veterinarians 🇺🇸

Personalized recommendations.

There is no one-size-fits-all pet insurance. We carefully analyze hundreds of policy variations across top US providers to help you find the best fit based on breed, age, location, and more.

Compare top companies side-by-side

Don’t waste time filling out a form on every provider’s site. Fill out one form on Pawlicy Advisor and compare real-time quotes from multiple companies side-by-side.

Uncover hidden savings

You deserve transparency. We’ll help you find opportunities to save on lifetime costs and make it easy to complete the entire enrollment process on Pawlicy Advisor.

Compare top US pet insurance companies

What to look for when comparing top pet insurance providers in the usa, established brands 🇺🇸.

Fast reimbursement

Great lifetime value

Ready to get started?

Thousands of pet parents trust pawlicy advisor, jamie m , pet owner, kathleen m , pet owner, brett b , pet owner, frequently asked questions.

You must compare providers side-by-side , and understand what risks your breed is particularly susceptible to. Then evaluate personalized quotes and make sure to compare key coverage details - diving into the fine-print to see if there’s any breed-specific exclusions you need to be aware of.

Most US pet insurance companies cover dental as part of their accident and illness coverage. So if your pet needs dental surgery or oral antibiotics you’ll be covered. For routine dental cleanings, you might consider a wellness plan add-on.

Some plans will cover curable conditions. Thats right, if your pet has a curable pre-existing condition and has not had recurring symptoms for a certain waiting period, that condition could be eligible for coverage. Regardless, pet insurance can still be worth it even with a non-curable pre-existing condition - as all other unrelated accidents or illness that may arise in the future will be covered.

Pet insurance by state

3 Ways To Use Pet Insurance Like A Pro

Average Pet Insurance Cost in 2022 by Breed, Age, & State

How To Compare Pet Insurance Plans

Get your pet the protection it needs, today.

sign up and keep track of your travel insurance events

Travel Protection for Pets and Service Animals: Help Protect Your Furry Friends

Key Takeaway

Generali’s travel protection plans apply to your pets and service animals in these ways:

• Travel Delay coverage : If you experience a travel delay, you can be reimbursed for pet kennel fees. To qualify you must be delayed at least 6 hours with our Premium Plan, 8 hours for Preferred, and 10 hours for our Standard Plan.
• Trip Cancellation  and  Trip Interruption  coverages can reimburse your insured trip costs if your service animal becomes sick, injured or dies and prevents you from traveling. 
• Pet return : Arranges for the return of your pet to your home if your pet is traveling with you and you are unable to take care of your pet due to a medical emergency.
• Need help finding pet-related services? Our concierge services can help you find veterinarians and pet sitters while you are away from home. 

Your pet is like a member of the family, so it only makes sense to have them join you on your travels. When they do, it’s especially important to plan well, since not everywhere is pet friendly. As part of the planning, consider how a travel protection plan can help with the pets you bring on a trip.

With Generali Global Assistance’s plans, your pets or service animals can benefit from certain coverages and services. See how >>

Travel Insurance, Assistance Services and Pets

Traveling with pets has become more and more common over the years. Most pet owners (78%) have traveled with a dog and 19% of cat owners have brought their tiny companion on a trip. The number of people traveling with pets is on the rise, up 18% in the last decade.

81% of travelers reported having only positive experiences vacationing with their pet, but taking a pet on a trip can be stressful, too. Having a travel protection plan and the assistance team behind it can help relieve that stress.

Getting a travel protection plan from Generali Global Assistance gives you access to certain coverages and services that could help when traveling with pets. Especially if you're planning a trip around destinations that cater to your dog or cat, consider how a travel protection plan might help on your trip.

Also read:  Top 10 Dog-Friendly Vacations Around the World

Also read:  Surprising Travel Insurance Coverages and Features

Travel Delay Coverage

Travel Delay coverage can provide reimbursement for certain reasonable out-of-pocket expenses if you are delayed on your trip, including extra pet kennel fees. Other things that can be covered include hotel accommodations, meals, local transportation and more.

Depending on your travel insurance plan, there are requirements that must be met to qualify. For our plans, the delay must be 10 hours or more (Standard), 8 hours or more (Preferred) or 6 hours or more (Premium). The delay must also result from one of the listed covered reasons mentioned in the Plan documents .

Concierge and Assistance Services

Need help finding pet-related services? Our Concierge Services can help you find veterinarians and pet sitters during or even before your trip. 

Has the concierge at a hotel ever helped you find your way around a city you’re visiting, giving great suggestions and helping you make reservations? Wouldn’t it be great to have that kind of service in your back pocket, ready to use, wherever you are during your trip, or even before it begins? All travel protection plans from Generali Global Assistance include Travel Concierge Services that can do that very thing.

How can our Concierge Services help you?

Part of the 24/7 Travel Assistance Services also applies to your pets. Not only will you be taken care of in case of a medical emergency , but we will arrange for the return of your pet to your home if your pet is traveling with you and you are unable to take care of your pet due to a medical emergency. This is a service included with our plans, not a coverage, so you won’t be reimbursed for the costs, but we’ll help make all the arrangements.

Watch: 14 Tips for Traveling with Dogs and Cats

Should You Purchase Pet Travel Protection?

Pet travel protection is great to buy for you and your pet or service animal when the two of you are taking a trip together.  While Generali doesn’t offer specific pet travel protection, our plans apply to your pets in a variety ways:

• Travel Delay coverage : If you experience a travel delay resulting from a covered event, you may be reimbursed for pet kennel fees. To qualify you must be delayed at least 6 hours with our Premium Plan, 8 hours for Preferred, and 10 hours for our Standard Plan.
• Trip Cancellation and Trip Interruption coverages may reimburse your insured trip costs if your service animal becomes sick, injured or dies and prevents you from traveling or interrupts your trip.
• Need help finding pet-related services? Our Concierge Services can help you find veterinarians and pet sitters while you are away from home.

Is Pet Coverage Necessary for Domestic Travel?

It’s not necessary, but it’s beneficial. Traveling nowadays can be challenging, so travel insurance that benefits you and your pets puts you in a position to expect (and prepare for) the unexpected. It can also help you feel more at ease knowing the two of you have the extra coverage no matter where your travel plans take you.

Do You Need Travel Protection if You Have Health Insurance for Your Pet?

Maybe. Pet health insurance and pet travel insurance are two different things. While the former covers medical circumstances like surgery, the latter helps in situations like if your trip gets delayed and you need to pay extra kennel fees or locate a last-minute pet-sitter while you’re on the road.

Travel Insurance and Service Animals

Your service animal can benefit from the same travel insurance and assistance services as non-service animal pets, plus they are counted the same as a family member or other traveling companion would be when it comes to the coverages that many travelers care about most -- reimbursing you for trip costs when you need to cancel or interrupt your trip for a covered reason.

First, let’s define what counts as a “service animal” according to our Plan documents :

Service animal means any guide dog, signal dog, or other animal individually trained to work or perform tasks for the benefit of an individual with a disability, including, but not limited to, guiding persons with impaired vision, alerting persons with impaired hearing to intruders or sounds, providing animal protection or rescue work, pulling a wheelchair, or fetching dropped items.

Now, let’s get into the coverage details:

Trip Cancellation

Trip Cancellation is a coverage included with our plan that’s designed to make you "whole" again by reimbursing you up to 100% of your insured trip cost for unused, non-refundable, pre-paid travel expenses, and certain additional expenses in some cases, if you’re prevented from taking your trip due to a covered event that is not subject to an exclusion.

One of those covered events is the sickness, injury or death of you, a family member, your traveling companion or your service animal . If the animal is sick or injured while coverage is in effect, coverage requires the in-person treatment by a veterinarian and the written opinion of the veterinarian that the condition will prevent your travel, or you need to care for your service animal.

Our policies state that you need to be treated by a physician in order to qualify for travel insurance coverage related to illness or injury. If a service animal is the patient, a veterinarian meets the definition of physician. Definition: PHYSICIAN means a person licensed as a medical doctor by the jurisdiction in which he/she is resident to practice the healing arts. They must be practicing within the scope of their license for the service or treatment given and may not be you, a Traveling Companion , or a Family Member of yours.

Trip Interruption

Trip Interruption coverage is similar to Trip Cancellation in that it’s designed to help you recoup pre-paid, unused, non-refundable travel costs, and certain additional expenses in some cases, if you’re prevented from taking your trip due to a covered event -- including the sickness, injury or death of your service animal, that is not subject to an exclusion. While Trip Cancellation can help if you must cancel your trip altogether, Trip Interruption can help if you’re still taking your trip but aren’t able to use all your pre-paid, non-refundable arrangements.

Trip Interruption coverage goes into effect as soon as you’re scheduled to depart on your trip. It can reimburse you for unused, non-refundable, pre-paid travel arrangements. Trip Interruption can also reimburse for out-of-pocket transportation expenses to get you caught back up to your trip as planned, or to get you back home if you must end your trip early.

Who wants to leave their furry friends at home when going on vacation? It stresses them out and stresses us out. Having to arrange, trust and pay for pet sitters, or board cats or dogs in a kennel is no fun. It might take a little extra planning and work to take them on a trip, but people do it all the time and their trip is more fun as a result.

Make sure you consider the animals traveling with you when you’re choosing travel protection for your trip. All of our plans include these features for pets and service animals, so it’s easy for you to get a quote and choose which plan fits your trip best , without worrying about which one covers pets or service animals.

Travel Resources

*Some exclusions apply. See plan documents for details.

Average Customer Rating:

Thank you for visiting csatravelprotection.com

As part of the worldwide Generali Group we have rebranded our travel protection plans to Generali Global Assistance, offering the same quality travel insurance, emergency assistance and outstanding customer service as you've come to rely on for the last 25 years. Welcome to our new website!

Final step before you're signed up

Please verify that you're human.

Do Pets Get Travel Insurance?

Transportation is better, and it is now easier for your furry family members to tag along with you on your trips. Your travel insurance covers certain aspects of your trip, making your experience pleasant. Do pets also get travel insurance?

Pets get travel insurance as an additional coverage included in regular pet insurance. There is also exclusive pet travel insurance that can usually be purchased separately. 

This article will review whether pets are covered under insurance and if travel insurance covers pet boarding. I also describe how pet insurance works, what it covers, and how to choose an insurance policy for your pet.

Do I Need Pet Insurance to Ship a Pet?

If you are not traveling with your pet, you may have to ship it, and the requirements are daunting. Is Pet insurance one of these requirements?

It is not a legal requirement to have pet insurance before shipping a pet, but it saves you money and makes things easier if something happens. A good pet transportation service usually provides some insurance, but your pet could also have different insurance in place.

Are Pets Covered under Insurance?

There are pet insurance providers that offer insurance policies only for pets. Besides this, other insurances cover pets, and they are:

• Homeowners Insurance

Although pets are a part of your home/family, homeowners insurance does not cover pets in the way it protects your couch. Insurance companies consider pets as properties and they fall under your liability coverage.

The liability portion of this insurance provides coverage if your pet damages someone’s property or bites the person. Your pets’ medical bills are not covered if they fall ill or are harmed. Liability coverage will only cover pet injuries if your pet bites and injures another person’s pet.

This coverage does not apply to your belongings or family members. If your pet damages your property, injures you or a family member, your liability coverage won’t pay for the damages. Your medical insurance will cover any injuries your pet gives you or your family members.

• Car Insurance

If an accident involves your pet or the other party’s pet, car insurance may cover the pets if they are considered liabilities or properties.

Both car and homeowners insurance only cover pets if the policies add a pet insurance endorsement. Some insurance companies offer this combination, and they may have breed-specific inclusions, e.g., aggressive breeds like Rottweilers.

How Does Pet Travel Insurance Work?

Pet travel insurance covers all expenses related to accidents and issues that may arise when pets are traveling.

Pet Travel Insurance is one of the few pet travel insurance companies available. They only work with pets traveling under registered members of the Independent Pet and Animal Transportation Association (IPATA). It is safer to ship pets using professional services or travel with them yourself.

This travel insurance covers travel costs and vet bills up to your pet’s insured limit. You will have to take up any expenses that exceed this limit. Pet travel insurance goes into effect when your pet is dropped off at one airport and ends when the receiver picks up your pet at its destination.

What Does Pet Travel Insurance Cover?

When you take your pet with you on holidays, having pet insurance covering your pet during the journey and at your destination can set your mind at ease.

Pet travel insurance covers injury, travel costs, loss, or death when a professional transport service transports your pet, and it does not offer protection for illnesses or death during transportation from your home to the drop-off point. 

There are standard pet insurance policies that include overseas travel or holiday packages. If you travel with your pet a lot, consider choosing pet insurance that has this offer.

You cannot enjoy your holiday if you face an emergency with your pet, e.g., your pet goes missing or sustains an injury, and you have to worry about how to pay for treatment or rescue.

Does Travel Insurance Cover Pet Boarding?

The fine print of travel insurance is what you want to read with extra care before purchasing one. Most travel insurance policies cover trip cancellation, medical emergencies, trip interruption, lost, damaged, or stolen luggage, and medical evacuation.

The exclusion list of travel insurance varies. If you do not look out for it, you might be frustrated when your travel insurance refuses to cover any unexpected expense incurred.  

Travel with your pet is not always possible, and you may need to lodge it at a pet hotel or care facility. What happens if you cannot pick up your pet at the agreed time?

Some travel insurance plans have a pet coverage plan covering pet boarding up to a limited amount and for a limited time. The coverage is available only under certain conditions, such as if a flight delay prevents you from picking up your bet from a pet boarding facility. 

If you cannot return because of a medical emergency (you are in the hospital), this coverage plan also arranges for transporting your pet back home and extra boarding fees incurred if you left your pet at home.

To claim this insurance, you must provide the necessary documents. The documents include proof of your current medical condition or delay, as well as your pre-scheduled date to pick up your pet and your current pickup date. The boarding facility may have to sign off on the cost of boarding per night

Choosing an Insurance Policy for Your Pet

Choosing a good insurance policy for your pet is one means of providing the best care possible. It would be terrible if your pet couldn’t receive medical care because you could not foot the bill.

You must consider many factors when selecting an insurance plan for your pet, and some of them are:

• The age of your pet–medical care for pets increase as they age.
• Where you live–the cost of vet care will be higher in cities than in rural areas
• Your pet’s species and breed–dogs are cheaper to insure than cats, and some pet breeds at risk for more medical care will cost more to insure.

Besides the price you will pay for a premium, these factors can affect the insurance coverage and quote. Pet insurance is a good idea if your pet is relatively healthy and you can afford the premiums.

Gui Hadlich

Hey there, I'm Gui! These are my 2 good pals Ozzy and Luna. I've gone through the headache of figuring out what to do when either traveling with them or leaving them behind, and I know it can be a pain. I created Pets Travel Guide to make your life a bit easier when you love your pet but also love to travel!

Recent Posts

How Far Away Can a Cat Hear You Calling?

A cat's hearing is one of its sharpest senses, and it is definitely better than yours. You can also train a cat to respond to its name, especially when treats follow. Putting these together, how far...

How Do You Use Dog Hammocks in a Car?

Using a dog hammock is one of the best ways to transport your dog in your car safely and without making a mess. If you bought or made a dog hammock for that very purpose, installing it for the first...

Traveling With Your Pets contains affiliate links and is a member of the Amazon Services LLC Associates Program. If you make a purchase using one of these Amazon links, I may receive compensation at no extra cost to you. See my Disclosure Policy  for more information.

Do Pets Need Insurance To Fly? 2024 Guide

Table of Contents

Are you wondering, “Do pets need insurance to fly?”

No one likes to leave their pet behind while on vacation, which is why so many airlines have made it possible to accommodate pets! 

But the process can feel complicated, from keeping your pet calm on the plane to vaccinations, travel documents, and their safety. 

One way to feel more protected flying with your pet is to have quality pet travel insurance. 

I fly with Theo (my service dog) A LOT, so I know the process better than anyone, and I always buy pet travel insurance before we go! It gives me peace of mind because I know he will receive the proper care in an emergency. 

So, if you want a safe, fully protected flight, here’s everything you need to know about pet travel insurance!

🐾 Check out my favorite Happy Hoodie to protect your dogs’ ears here!

What Is Pet Travel Insurance?

Pet travel insurance, also called pet transport insurance, pet taxi insurance, or pet health insurance, covers the cost of anything that may happen to your pet while traveling. This coverage usually includes unforeseen travel expenses, vet visits, and other emergencies.

Although pets do not NEED insurance to fly, I highly encourage any pet owner to get it before taking a trip with their furry friend. 

It helps you get reimbursed for any unexpected costs and ensures your pet stays safe and healthy while on the road.

What Does Pet Travel Insurance Cover?

Basic pet travel insurance typically covers emergency evacuation (transport costs), quarantine costs, and emergency vet fees. More comprehensive coverage will also cover lost pet travel documents, loss of pets, theft,  and third-party liability.

However, the coverage you receive will depend on the type of policy you choose. Travel insurance for dogs and other pets looks different with each company. 

So always research each insurance company to find the best fit for you.

Most basic pet insurance policies don’t offer routine checkups or preventative treatments, such as vaccinations, worming, and nail clipping. But some insurance companies do offer these benefits as add-on services for an additional fee.

Also, some companies may only cover medicine and primary care within the U.S. and Canada, so double-check your policy before you sign the dotted line and travel abroad.

If you only need countrywide pet insurance, these are usually straightforward.

However, an international policy is an essential travel item if you are traveling from North America to Europe. 

What Is The Best Pet Travel Insurance Option?

There are many pet travel insurance policies to choose between when traveling with your pet. At first, I found it somewhat challenging to figure out which company was right for me. 

Each policy has different benefits and various deductibles. So once you answer the question, “Do pets need insurance to fly?” the next step is to find out which company is best!  

The best coverage in the U.S. is with Spot Pet Travel Insurance USA . This pet travel coverage is popular because it has various policy options and packages for most budgets.

Spot also offers preventative care to your policy, so your pet can get regular check-ups, vaccinations, and more before hitting the road.

Plus, you can visit any vet in the U.S. or Canada and make unlimited claims – so there are no issues getting care, no matter where you are or how often you need a checkup.

Spot also covers microchip implantation, which limits the risk of loss or theft of your pet. 

Their easy-to-use app is another reason this is the best insurance on the market. It makes it possible to submit your claim immediately and start the reimbursement process. 

Other Travel Insurance Options

Spot is my top pick, but it’s not the only reputable pet insurance available. Here are some more companies worth considering. 

Pumpkin offers several low-cost options, and you can even include preventative care for young cats and dogs. 

Pumpkin also covers all prescription food, so your pet can follow the same diet, even if you are away from your home vet for an extended time. 

It’s also a great option if you have multiple pets since adding more than one pet to your policy gets you a 10% discount per plan!

Plus, their refundable pet insurance comes with a 30-day money-back guarantee.  

Nationwide Pet Insurance

Not all insurance companies cover you outside the US, but Nationwide Pet Insurance does!

What sets Nationwide apart from other pet insurance companies is its free 24-hour vet hotline, allowing you to get the help and advice you need at any time of day or night.

Plus, with Nationwide’s any vet, anywhere policy, you can take your furry friend to any vet with zero restrictions on location.

It also covers exotic animals, including birds, so you don’t have to worry about finding specialized care for uncommon pets.

If you own multiple pets and want them covered, ASPCA is another fantastic option. With ASPCA, you will also get a 10% discount for each additional pet, but there is no age limit!

Also, if you are flying with your dog outside your home country, you should always purchase their global policy!

It’s worth noting that there are not many pet travel insurances for single use. That’s because most standard policies will cover you when traveling. But the few that do exist rarely offer full coverage, so it’s better to go with a long-standing insurance plan that also covers travel.

Can You Use Pet Insurance Anywhere?

It depends on your policy, but plenty of insurance companies will cover your pet anywhere within your home country, and a select few offer global coverage!

The nice part is that all licensed veterinarians worldwide should accept pet insurance. 

But before traveling overseas, check that your insurance covers your pet internationally. Also, you’ll need to visit your vet to process the paperwork for their health certificate or Pet Passport .

Most countries won’t accept documents (or will require you to pay a fine) if your documents are not approved by a certified vet. 

How Does Pet Insurance Work When Traveling?

Most companies will cover you once you get confirmation, but certain insurance policies require you to wait at least 14 days before submitting a claim.

So always select a policy a couple of weeks before travel! 

But how does payment work?

If you need to use your coverage during your trip, you must pay for the costs upfront and then submit a claim to get the money back from your pet insurance company.

Then after processing the claim, the insurance company will reimburse you. 

Since you have to pay for treatment upfront, always take a credit card with a high spending limit, just in case of an emergency.  

This is also why it’s great to use a company with an app or 24-hour support, so you can submit your claim immediately and get your money back a lot faster!

No matter which insurance company you choose, pet insurance coverage should be at the top of your pet travel checklist before you leave for your trip!

How Much Does Pet Insurance Cost?

The cost of pet insurance varies, depending on which type of coverage you choose and if your pet has any pre-existing conditions. 

For dogs, you should expect to pay between $40-$60 per month in insurance premiums . 

For smaller animals like cats, that number is closer to $25. However, it can be cheaper if you are simply looking for basic coverage.

The problem with basic coverage is that it may not cover your pet’s preexisting conditions or preventive care and may have a high deductible.

Comprehensive coverage is more expensive, but it is worth it if you have an older pet or some health issues or travel with your pet frequently.

To help you prepare for your flight with your pet, here are some of the most commonly asked questions by pet owners:

Do airlines require pet insurance?

Airlines do not require pet insurance to fly with your pet, but they highly recommend it. Pet insurance will protect your pet in an emergency and assist with unexpected travel costs that may come up. 

Keep in mind that some pet insurances do not cover international travel, so if traveling abroad, you may need to switch providers to one that offers global coverage.

What does an airline require for your pet to travel?

To take your pet on a flight, here are the most common airline requirements: – Health Certificate issued within 10 days before travel – Small pets need a pet carrier to go in the cabin (unless they are service dogs) – Vaccination and microchip paperwork – Direct booking for you and your pet with the airline

How much does it cost to take a pet on a plane?

It costs between $75-$500 to take your pet on a plane, but all airlines allow service dogs for free! The costs also vary depending on the flight length and whether your pet travels in the cabin or the hold.

No matter what, it’s a good idea to read the airline’s pet policy and understand the fees before booking your ticket .

Do airlines ask for pet health certificate?

Most airlines will ask to see a pet health certificate provided by a certified vet during check-in. The airlines need to know your pet is fit and healthy before flying for liability purposes and the safety of all people and animals on board.

How do I get through TSA with my pet?

In order to get through TSA with your pet, you must remove your pet from its carrier or harness so they can walk through the metal detector.

Can my dog sit on my lap during a flight?

No, when your dog is with you on your flight, it must be in a carrier underneath the seat. If you are traveling with a service dog , they don’t need a carrier but must remain by your feet without blocking the aisle.

No, pets do not need insurance to fly. They are permitted to be on a plane as long as they have proper documentation and an up-to-date health check certificate with vaccinations. 

But I highly recommend purchasing pet insurance coverage!

Flying with a pet can be an exciting adventure for the whole family – but it’s essential to be prepared for unexpected costs or health issues. 

I love Spot Pet Travel Insurance . Their full coverage is the best pet travel insurance on the market. 

Also, pack some anti-sickness tablets for your pet to make the flight even more comfortable. They’re excellent for helping air sick puppies fly!

Dog Travel Planning Guide

🐶 How do you travel with a dog?

You can road trip, go camping, fly (depending on your dog’s size), go for day trips, and even live in an RV or motorhome with your dog! I’ve done all of the above with my dog, Theo.

✈️ How to travel with a dog by plane?

Check the airline requirements, if you’re flying with a large dog you’ll need to book far ahead, get a travel crate or carrier, and make sure your pet is up to date on their vaccinations. And don’t forget to bring along a leash, collapsible dish, and plenty of treats! ( Read more )

🚗 How to travel with a dog in a car?

Get a seatbelt or car-friendly crate, a seat protector, and a few toys to keep your pet safe and comfortable. Bring along items like a leash, pee pads, treats, collapsible bowl, and some calming treats for anxious dogs. Take frequent potty breaks (I recommend every 2 hours minimum).

🧳 What should I pack in my dog travel bag?

I always pack a collapsible bowl, back up leash, 50ft long leash, Toppl food toy, plenty of dog food, and a few toys for my pup when we go on our travels. It’s important to have all the essentials packed before you leave home since it can be difficult to find pet-friendly stores in some locations. ( Read more )

📝 What paperwork do I need to travel with a dog?

The paperwork you need will depend on where you’re going. You will always need your dog’s veterinary records and their vaccine status. You may also need an international health certificate, titre test, and even a spay/neuter certificate.

🐾 What is the best travel dog crate?

This collapsible crate is great for local travel and road trips. For plane travel, I recommend this hard crate for large breeds and this carrier for small breeds.

📍 What is the best way to travel with a dog?

It depends! The best way to travel will depend on you and your dog. Small dogs will have an easier time with plane travel. Large breeds are better for long term trips to minimize plane time, or road trips.

🛌 Best dog travel mat?

This non-slip, water-proof, easy to wash travel mat is my go to!

✈️  What’s the best site to buy cheap flights?

To find cheap flights, I recommend  Skyscanner .

🏨  What’s the best site to find cheap hotels?

To find cheap hotels, I recommend  Booking.com .

Or stay for free with Trusted Housesitters!

🚗  What’s the best site to rent cars abroad?

To find cheap rental cars, I recommend  Discover Cars .

🚗  What’s the best site to find tours?

To find epic tours, I recommend  Viator .

Nina Clapperton is the founder of Traveling With Your Pets. She and her golden retriever, Theo, have been to 3 countries, on dozens of road trips, and explored many cities across North America. Nina has been a full time traveler since 2017 before getting Theo, but hasn't let having a dog chain her to one spot. Now she helps thousands of people plan their pet-friendly holidays around the world.

Similar Posts

Ultimate Guide To Flying With A Puppy

When I got my golden retriever puppy, Theo, I immediately learned everything there is to know about flying with…

18 Best San Francisco Dog Friendly Beaches (2024)

Looking for the best San Francisco dog friendly beaches? I’ve got you covered! My golden retriever and I recently…

14 Best Dog Friendly Beaches Los Angeles

Are you looking for great dog friendly beaches in Los Angeles? My dog, Theo, and I have traveled to…

27 Fun Halloween Costumes for Golden Retrievers 2024 Ideas

Are you looking for the best Halloween costumes for golden retrievers this year? Look no further because we’ve rounded…

15 Best Dog Friendly Beaches in Half Moon Bay, California

Looking for the Best Dog Friendly Beaches in Half Moon Bay? Look no further! I took my golden retriever…

19 Tips for Flying With Your Service Dog From an SD Handler

Traveling with a service dog can be an intimidating experience. From the added stress of being in an unfamiliar…