I just came across this article written by the Laura Bennett, the CEO and Co-Founder of Embrace pet insurance company.
Not all pet insurance companies cover behavioral issues. Some offer partial coverage while others offer coverage just like any other condition.
As a veterinarian, I see behavioral problems not too infrequently. Many times we have to run a battery of tests to rule out medical problems. For example, if a cat is urinating outside the litterbox, we may have to run blood tests, urinalysis, urine culture, xrays or ultrasound before concluding that the problem is behavioral rather than medical. As you can imagine, such testing can add up.
This is just one of the coverages that you might consider when comparing pet insurance companies.