That depends what kind of veterinary exam you’re talking about: a routine exam (in other words, a checkup) or a sick visit (when your pet is sick or hurt). We do cover sick visits. Every sick visit comes with an exam fee, which can be around $50-$250. We cover those exam fees for you, but not all providers do. We don’t cover routine exams. Pet insurance covers future injuries and illnesses — the stuff you can’t see coming. We don’t currently cover routine and preventive care, like checkups, vaccinations, or teeth cleaning.