Author
Travel & Pet Insurance Contributor
Emily Rodriguez is a contributor to Best Insurance Guide specializing in travel and pet insurance. She researches provider offerings and claims practices for our niche-insurance guides, drawing on insurer disclosures and industry reports to keep comparisons current and accurate. *Editorial note: contributor profiles reflect current editorial roles. License numbers and verifiable professional credentials are published here as contributors provide them. Our guides are educational and do not constitute personalized financial advice — always confirm details with a licensed agent or your state insurance department before buying.*
Montana passed its own Pet Insurance Act in 2025, capping waiting periods at 30 days and banning them for accidents. Here is what that means for buyers, plus the Montana risks that drive real claims.
VPI was America's first pet insurer, the company that insured Lassie. It now operates as Nationwide. Here is the full story, where the old VPI login went, and what legacy policyholders should check.
The airline owes you a refund or a rebooking. Travel insurance covers the hotel you cannot reach, the tour you miss and the night in an airport city, and only for listed reasons.
A hurricane becomes a foreseeable event the moment it is named, and policies bought after that point exclude it. Timing decides this question more than wording does.
Travel medical cover and international health insurance are different products at very different prices. Which one you need depends on how long you are gone.
Platform-sold travel insurance covers the booking it was sold with. A standalone policy covers the trip. For most travellers that difference decides the question.
Accident-only cover costs a fraction of full pet insurance and excludes every illness. When that trade genuinely makes sense, and when it is a false economy.
Cats cost less to insure and get sick in different ways. Urinary blockage, kidney disease and why an indoor cat still needs cover.
Core pet insurance never covers vaccines. What a wellness add-on actually pays, whether it is worth buying, and how skipping shots can void a real claim.
Dog bite liability sits under homeowners or renters insurance, not pet insurance. Breed exclusions, what limits to carry, and cover for excluded breeds.
Pet insurance covers dental disease and broken teeth, never routine cleaning. Many policies also require an annual dental exam, and skipping it voids the cover.
Alabama sits in the highest heartworm belt in the country and never gets a winter that kills parasites. What that does to claims, and what a policy should cover.
