2 things pet insurance will cover (and 3 it won’t)

If you’ve ever spent a fortune at the emergency vet, pet insurance might sound appealing. By paying some of your vet expenses, these policies can save you money and help you make care decisions based on what’s best for your pet rather than what you can afford.

But insurance doesn’t pay for everything. Before you buy pet insurance, you’ll want to understand exactly what it will — and won’t — cover.

COVERED: ACCIDENTS

If you want coverage for unexpected vet expenses, you can choose either an accident-only plan or an accident and illness plan. Both can pay to treat injuries such as broken bones, snakebites or swallowed socks.