Source checked November 12, 2026. Editorial team. Not professionally reviewed.
Ask which category is being offered
NAIC describes accident-only, accident-and-illness, and wellness categories. Their included services, exclusions and prices differ. The name on a web banner is not a complete description of the contract. Ask for the actual coverage document and identify which category and optional benefits apply to the quote you are considering.
Keep routine care visible
Do not assume vaccinations, checkups or other preventive services are included in an illness policy. Oregon VMA says preventive care may be offered at an extra cost. Ask which routine services are included, which have limits, and whether a separate wellness option is being described. Record optional costs separately rather than treating them as free additions.
A fictional comparison
Policy A is described as accident-only. Policy B is described as accident and illness. Even if their advertised monthly prices match, they are not the same proposition. This is an original fictional example, not a real quote or a statement about any insurer. Start by comparing what each document says it covers, then compare the cost and limits.
Ask about the pet and the place
NAIC notes that policy costs depend on factors including species, breed, age, location, coverage and deductible. A price seen for another animal or place is not your quote. This site deliberately does not publish a lowest-price claim, insurer ranking or estimated premium. Obtain a current quote directly from an authorized source.