Emergency vet visits regularly run $2,000-$8,000, and treatment for cancer, orthopedic surgery, or chronic disease can pass $10,000 quickly. Pet insurance reimburses a percentage of covered vet bills so a big diagnosis does not turn into a financial decision. Safenet Insurance Group writes pet insurance for NC dogs and cats across multiple carriers. Call (336) 280-4606 or quote online.
What Pet Insurance Covers
- Accidents — broken bones, lacerations, poisoning, foreign objects
- Illnesses — infections, cancer, chronic disease, digestive issues
- Hereditary and congenital conditions — hip dysplasia, heart disease, and breed-specific issues (varies by carrier)
- Diagnostics — bloodwork, imaging, biopsies
- Surgeries and hospitalization
- Prescription medications
- Alternative and rehabilitation care (varies by policy)
Wellness Plans
Wellness add-ons cover routine care — annual exams, vaccines, flea/tick prevention, dental cleanings, spay/neuter. Not true insurance (predictable costs) but can be worth it for owners who want a single monthly payment.
How Reimbursement Works
You pay the vet at the visit, submit the invoice, and get reimbursed. Most policies use three levers: an annual deductible ($100-$1,000), a reimbursement percentage (70%, 80%, 90%), and an annual maximum ($5,000 to unlimited). Higher deductibles and lower reimbursement percentages lower premium.
Frequently Asked Questions
Are pre-existing conditions covered?
No — this is the biggest carrier restriction. Any condition your pet showed symptoms of before the policy start or during the waiting period is excluded. Enroll pets while young and healthy.
What’s the waiting period?
Typically 14 days for illness, 2-5 days for accidents. Orthopedic conditions often have longer waiting periods (6 months+).
Does breed affect the price?
Yes. French bulldogs, English bulldogs, Great Danes, and some purebred cats cost more because of higher claim frequency. Mixed-breed dogs often price lower.
Can I use my own vet?
Almost always yes. Pet insurance is reimbursement-based, not network-restricted.
Get a Pet Insurance Quote
Call Safenet Insurance Group at (336) 280-4606 or quote online.