Pet insurance can be a great way to help manage your pet’s healthcare costs. As a savvy consumer, you need to understand what you are purchasing and what it is being covered. It is also important to understand how you will be reimbursed, and what you need to do to get reimbursed. You need to make sure you understand the difference between insurance and wellness-type plans. In some cases, people choose to purchase healthy pet plans. If their veterinarian offers these, they usually cover annual vaccinations and routine testing in addition to insurance that covers emergencies or illness. Some insurance plans cover wellness and sickness, so be sure to read the fine print.