Cancer Coverage & Pet Insurance | To ride

Pet insurance is becoming more and more popular, but people still have many questions about it, including “Does pet insurance cover cancer?” The answer often comes when the pet owner purchased the policy. Here’s what pet parents need to know about pet cancer treatment.

Does pet insurance protect against cancer?

Most pet insurance policies will cover cancer care as long as the policy was in effect before the pet developed cancer. If a pet already has cancer and the owner buys pet insurance, the insurance will treat the cancer as pre-existing and will not hide it. However, if the pet is diagnosed with some type of cancer, the insurance company may cover the treatment.

Only pet accident insurance, which is often cheaper than general policy, does not cover cancer. Their focus is on injuries, such as broken limbs, accidental poisoning, bites, eye injuries, etc. Diseases and illnesses are not covered.

If a pet owner wants cancer treatment for their dog or cat, they need to invest in comprehensive insurance that covers accidents and illnesses. They should also take the time to read the policy carefully. This will tell them what is and isn’t covered. And if the owner has questions, he should ask the insurance company before buying the policy.

What is covered?

Here’s an idea of ​​what type of cancer care pet insurance can provide:

Diagnostics and testing

Pet insurance usually pays for any tests or tests that pets need to determine if they have a certain type of cancer. If the doctor needs further tests to choose the best course of treatment, this will also be explained.

Radiation and chemotherapy

If a veterinarian determines that a dog or cat needs radiation therapy or chemotherapy to treat tumors, a reputable pet insurance company will cover the treatment.

Surgery and rehabilitation

Some cancers are best treated by surgically removing the tumors. In this case, pet insurance will cover the cost of surgery and any repairs that the pet needs.

Follow-up care

Pet insurance will pay for any follow-up visits the pet needs to monitor the pet’s progress and confirm that the cancer has been removed.

Help support

Some pet insurance plans may include additional treatments, such as acupuncture, nutritional therapy, and more, in addition to standard cancer treatments. However, not all laws provide this support. Owners interested in pursuing these types of treatments should ensure that their pet insurance is up to date.

What is not covered?

Although pet insurance covers most cancer-related expenses, there are some things it does not cover, including:

What was already there

As mentioned above, if a pet is diagnosed with cancer before the owner purchases pet insurance, the insurance provider may not cover its care. However, they can pay bills related to illness or other accidents.

Pet insurance may also not cover cancer if it appears during pregnancy. The waiting period for pet insurance is 14 days, but each policy is different. If a pet is diagnosed with cancer at this time, it will be treated as a pre-existing condition.

If a pet owner wants help paying for cancer treatment and pet insurance won’t cover it, they may need to look into credit or work out a payment plan with their veterinarian.

Costs greater than profits

Most pet insurance policies have high benefits, although each company can choose this differently. Some companies set an annual rate while others may set a rate per event or per event. If the pet’s cancer treatment exceeds the policy’s maximum benefit, the pet owner must pay the remaining amount themselves. Capital gains are often written in policy statements. Owners can also contact their pet insurance provider if they do not know what the limits are.


Pet insurance plans often have a deductible, just like personal health insurance. The pet owner must pay the cost out of their own pocket before the insurance company pays anything for the care of the pet.

Pet owners get a quote on how much they charge, and most are several hundred dollars. Choosing a lower deductible can save owners money when it comes to filing a claim, but it also results in higher pet insurance costs.


Pet insurance often has copays – a percentage of the vet bill that the owner must pay even after meeting their deductible. For example, if a policy has a 10% copay, it means that after the deductible, the insurance company will pay 90% of the bill and the policyholder will have to pay only 10%.

Most pet insurance also allows owners to choose the type of copay they want, with options ranging from 10% to 30%. Choosing a higher copay results in lower pet insurance premiums.

Can cancer occur in pets?

Cancer is more common in pets than most people think. About one in four dogs will develop cancer at some point in their lives, including about half of all dogs over the age of 10, according to the American Veterinary Medicine Association (AVMA).

There is no information on the incidence of cancer in cats. Some experts say that cats get cancer more often than dogs, but scientists know that there are some types of cancer that are more common in cats than in dogs.

How much do cancer treatments cost pets?

According to CareCredit, the average cost of treating cancer for a dog is about $4,137, while the average cost of treating a cat is $3,282. This includes the cost of the initial consultation, medical and radiation treatments, and related visits.

Prices can vary depending on the severity of the pet’s illness and location.