Nerd glossary

Pet insurance terms worth knowing

Keep this glossary nearby while comparing policies. The policy document always controls, but these translations make it easier to know what to look for.

Bilateral condition

A condition that can affect both sides of the body, such as cruciate ligament injuries. Some policies treat a prior issue on one side as relevant to the other.

Hereditary or congenital

A condition inherited or present from birth. Plans differ on whether and how these conditions are covered.

Direct pay

A claims arrangement where the insurer pays a participating veterinarian directly. Availability and approval rules vary.

Wellness coverage

Optional routine-care benefits, such as vaccines or checkups. It is usually separate from accident-and-illness insurance.