When getting a new puppy or kitten you also must think about all the additional costs that come along with them, some expected, some not. In the unfortunate event that our animals do become sick or get injured, what does pet health insurance cover and what do these diagnostic tests mean?

Pet Insurance Covers

Pet insurance plans cover some of the more intense or expensive diagnostic tests. These tests allow veterinarians to see a disease internally prior to pursuing any invasive surgeries or prescribing certain medications. Typically these tests are ordered after an accident, like swallowing the keys or breaking a leg. They will also be ordered if your animal is showing signs of a major illness that the veterinarian needs more details about.

X-Rays / Radiographs

Most of us know what an x-ray is. It is an image that doctors and veterinarians take to examine fractures and broken bones. X-rays can detect periodontal diseases, foreign bodies, intestinal blockages, and bladder/kidney stones.


If your veterinarian has recommended an ultrasound usually it is so they can see the fluid and soft tissue masses within your animal. Ultrasounds also help confirm and monitor pregnancies, as well as evaluate the different internal organs. They can assess heart functions, locate tumors, and keep a close eye on certain diseases.

CT Scans

A CT scan takes a cross-sectional image of a specific area within your animal’s body. It is usually a lot more detailed than something like an ultrasound. For example, CT scans assist vets in diagnosing diseases of the nasal or oral cavity, discovering any abnormalities in the abdomen and extremities. Basically anywhere the vet wants a closer look. Without pet insurance, a CT scan can cost pet owners over $1,000+.


MRI stands for magnetic resonance imaging. This is one of the most intense and detailed forms of imaging diagnostics available. MRIs can differentiate soft tissues in the body to identify lesions in the brain, spinal cord, and other organs and areas of the body. If your pet has a back issue or seizure disorder then your vet might order an MRI to guide the next steps and treatment.

Pet Wellness Covers

A pet wellness plan is what we like to call pet preventative or routine care. Wellness plans cover things like grooming, vaccinations, and dental care. But they also cover testing like bloodwork, fecal exams, and urinalysis. These tests are to help ensure your animal is healthy, but also indicate when things might require more analysis and diagnostic testing.

Bloodwork Exams

Pet bloodwork is when a veterinarian takes a blood sample from our pets. They do these to test the blood to diagnose and treat certain health conditions. It can also be used by vets to better understand the overall health of your pet, especially if they have a current health condition that needs regular monitoring. If your animal is getting ready for any type of surgery the vets will usually take blood work to ensure that the animal is healthy and strong enough to make it through surgery. Blood work can also help them determine what type of anesthesia might be best.

Fecal Exams

Veterinarians take a sample of your cat or dog’s poop and test it. They are testing it for certain infections, parasites, and other potentially worrying signs. A dog or cat fecal tests are the best way to avoid parasites or other health conditions that might be hidden from view on a regular blood test. Dog and cat fecal tests help to discover different types of ailments that can be hard to discover with a simple routine checkup.


A urinalysis is a simple test to test and assess your pet's overall urinary tract (kidneys and bladder) health and insight into your pet's glucose regulation and liver function. If your pet has increased water intake, increased frequency in urination, pain on urination, or visible blood in the urine, then a urinalysis is usually recommended. This is an easy way to test for more serious health conditions in our animals.

If you just have a pet health insurance plan and not a wellness plan, then you might be out of pocket for some of these tests. Once there is a diagnosis then the costs following that might be covered by an insurance plan. Having a pet wellness plan and pet insurance plan combination is really the best way to get the most bang for your buck and avoid any unnecessary costs.

Design Your Perfect Pet Insurance

Wagmo pet insurance and wellness plans are able to be mixed and match for the perfect coverage for you and your animal. You can use your wellness plan for preventative care to help ensure nothing more serious develops includes a yearly feces test for cats and dogs, parasite care, urinalysis, and more. But of course, things pop up and accidents and illness happen. With pet health insurance you know you are covered in case something bad happens or your animal is diagnosed with something.
If you’re unsure what type of coverage you and your pet might need, that fits their needs, and your budget. Check out our Wagmo Coverage Quiz to help you determine the cost of coverage.