Best Pet Insurance 2026

INSURANCE By David Kim | Financial Strategy Writer | Last verified: March 2026

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Cons

• Won’t cover pre-existing conditions
• Premiums increase with age (can jump 10–*15% annually after age 7)
• Still leaves you with out-of-pocket costs (deductibles, co-pays)
• Breed-specific exclusions and restrictions
• Waiting periods (14–30 days for illness coverage)
• Reimbursement model means you pay first, wait for refund

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