This forces you to go to an emergency clinic, which typically costs a lot more. While pet insurance would more than likely cover treatment of a broken leg, how much would they cover at an emergency clinic?

Some companies will cover the same amount as if you saw your normal veterinarian, while others will lower the coverage amount. The same goes for referral specialists. Say your cat developed some kind of skin allergy and had to visit an allergist. Often specialists end up costing much more. True, this is also something that most pet insurance companies would cover, but at what cost?

Make sure that when you’re looking into insurance, that you find out if you are covered for treatments outside of your normal veterinarian.