Pet insurance that protects every tail wag and purr.

Pets are family—and just like any other loved one, they deserve protection when life takes an unexpected turn. Pet insurance helps you manage the cost of veterinary care, from routine visits to emergencies. Ted W. Smith Insurance Services proudly serves pet owners across Minnesota, Iowa, and Wisconsin, helping families find affordable, flexible coverage for their four-legged companions.

What does pet insurance cover?

Accident and Injury Coverage

A black and white drawing of a bandage on a white background.

Protects your pet when accidents happen—like broken bones, swallowed objects, or unexpected injuries.

  • Emergency vet visits
  • Surgeries and treatments
  • Diagnostic testing

Illness Coverage

A black and white icon of a dog holding a clipboard and pills.

Helps cover the costs of diagnosing and treating illnesses like cancer, infections, allergies, and chronic conditions.

  • Prescription medications
  • Specialist visits
  • Hospital stays

Routine and Preventive Care Options

A black and white drawing of a dog , cat , and heart.

Some policies offer add-ons for wellness care to help you stay ahead of health issues before they start.

  • Vaccinations and flea prevention
  • Annual exams and dental cleanings
  • Heartworm testing and microchipping

Chronic Condition and Hereditary Coverage

A black and white drawing of a pair of lungs with a magnifying glass.

Certain policies cover long-term conditions and breed-specific hereditary issues, giving you peace of mind as your pet ages.

  • Arthritis treatments
  • Diabetes management
  • Breed-specific health problems

Common questions about pet insurance.

  • Is pet insurance worth it?

    For many families, pet insurance can ease the financial burden of unexpected medical costs. It’s especially helpful for emergency situations or ongoing conditions.

  • Can I insure older pets?

    Yes, though options and premiums may vary. We’ll help you explore the best coverage based on your pet’s age and health history.

  • What’s usually not covered in pet insurance?

    Most plans exclude pre-existing conditions, cosmetic procedures, and some routine care—unless you add optional wellness coverage.

  • How does reimbursement work?

    Typically, you pay the vet upfront and your insurance reimburses you a percentage of the covered expenses based on your policy.

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