Pet health insurance comes in all shapes and sizes, with the average pet insurance costing only $27 a month. Plans usually have exclusions for pre-existing conditions. Plans can range from covering accidents only to any combination of accidents, illnesses, hereditary and congenital conditions. If you try to enroll after an illness or accident, your pet will be denied coverage. Learn important details about each pet insurance company and find the coverage that gives your pet the best chance at a longer, healthier life. Pay close attention to things like annual limits, benefit schedule, co-pays, congenital conditions, deductibles, exclusions, hereditary conditions, and more. Be sure to ask about discounts.