Pet insurance can be extremely useful should your pet need urgent, thorough medical treatment. Pet insurance works by the client paying a small, monthly fee and in return your insurance company pays out for larger, sudden bills. This helps as it is often much more affordable to pay a set, monthly fee compared to paying large, unpredictable bills. For this reason, we strongly advise you to insure your pet. But unfortunately, your monthly fee does not mean that you will receive all veterinary care for free. Below, I am going to discuss exclusions to insurance policies and what you should still expect to pay for.