Deductibles, Reimbursement and Limits Explained
The three levers that set your premium and how to choose the right mix.
October 9, 2026 · 4 min read
Pet insurance pricing comes down to three choices.
Deductible
The amount you pay before insurance kicks in. Higher deductibles mean lower premiums.
Reimbursement rate
The percentage of the bill you get back after the deductible, usually 70%, 80% or 90%.
Annual limit
The maximum the insurer pays per year. Unlimited plans cost more but protect against catastrophic bills.
Tip
A $250 deductible with 80% reimbursement is a balanced starting point for most owners.