Pet Insurance
What is pet insurance?
Pet insurance helps cover certain veterinary expenses, giving you peace of mind if your cat or dog faces an injury or unexpected illness.
What does pet insurance cover?
Pet insurance can help pay for medical costs related to accidents, illnesses, or chronic conditions, including:
-
Accidents, injuries, and illnesses
-
Cancer treatments and chemotherapy
-
Surgery, hospitalization, and nursing care
-
Lab work and diagnostic tests (X-rays, MRIs, bloodwork)
-
Prescription medications
-
Genetic or breed-specific conditions^
-
Complementary therapies such as acupuncture, chiropractic care, and hydrotherapy
-
Chronic and recurring conditions like allergies, diabetes, and hyperthyroidism
You may also explore optional wellness plans for routine care, like vaccinations, dental cleanings, and annual check-ups.
^Coverage applies if the condition was not present before enrollment.
What does pet insurance typically not cover?
Pet insurance generally does not cover:
-
Cosmetic or elective procedures (tail docking, ear cropping, declawing, unless medically necessary)
-
Pregnancy, breeding, or whelping-related care
-
Vitamins, supplements, food, or personal care items
-
Pre-existing conditions, meaning any issue noticed before the policy’s waiting period ended
Do I need pet insurance?
Veterinary care can be expensive, especially for scans, treatments, or emergencies. Smallwood Insurance can help you focus on your pet’s health without worrying about the cost.
Is pet insurance worth it?
Pet insurance can be a cost-effective way to ensure your furry family members get the care they need. Contact Smallwood Insurance today to learn more or get a quote.
How to get started with homeowners insurance at Smallwood
.png)
Find the right coverage
Your home is unique — your insurance should be too. Our agents work with you to build a policy designed around your needs and your home.

Start your policy
We make getting coverage simple. From quote to policy, our team ensures a smooth process so you can feel protected faster.

