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Goldendoodle Insurance

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Frequently Asked Questions

Does pet insurance cover vaccines and checkups?

Standard accident and illness plans do not cover routine care. Wellness add ons can, but they raise the monthly price.

What is a reimbursement rate?

It is the share of an eligible vet bill that the plan pays back. A higher rate usually means a higher monthly price.

Do waiting periods restart if an owner switches insurers?

Yes. A new carrier runs every waiting period again. Conditions the old plan covered can count as older health issues at the new one.

Who sets the rules for pet insurance?

States set the rules. The NAIC adopted a model law in 2022 that states can pass. Where states enact it, illness and bone and joint waits cap at 30 days.

How many dogs have pet insurance?

About 6% of U.S. dogs had coverage in 2025, per NAPHIA's 2026 report. Most owners still pay vet bills out of pocket.