COVERAGE FOR WHAT MATTERS
Coverage for Their Health and Happiness.
​From unexpected accidents to illnesses and veterinary care, we're here to help you explore pet insurance options designed to protect your four-legged family members.
Accident Coverage
Helps with eligible injuries, emergencies, and unexpected accidents.
Illness Coverage
​Helps with eligible illnesses, diagnostic testing, medications, and treatment.
Wellness Options
Routine care such as vaccinations and annual checkups, if included in an optional wellness benefit.
Take your pet to any licensed veterinarian for eligible care.
How Pet Insurance Works.
1
Visit Your Vet
While details may vary by carrier, most pet insurance plans follow a similar process.
​Share your invoice and required information with your insurance carrier.
UNDERSTANDING PET INSURANCE
Submit a Claim
2
Claim Reviewed
​The carrier reviews your claim based on your policy terms.
3
Receive Reimbursement
​If approved, you'll be reimbursed for a portion of the eligible costs (usually by direct deposit or check).
4
IMPORTANT CONSIDERATIONS
A Few Things to Know Before Choosing a Policy
​Every pet insurance policy is different. Here are some key factors to consider:
Pre-Existing Conditions
Most pet insurance plans do not cover pre-existing conditions, so it's important to enroll early.
Deductibles & Reinbursement
​You can usually choose your deductible and reimbursement level, which can affect your premium.
Waiting Periods
​Policies typically have a waiting period before certain coverages begin, such as for illnesses.
Annual Coverage Limits
​Most plans have an annual limit on how much they will pay, which varies by carrier and plan type.
Protection for the Pets You Love.
We offer pet insurance options for dogs and cats, with plans designed to help cover eligible veterinary expenses so you can give them the care they deserve.
Dogs
​Plans can help cover eligible accidents, illnesses, and in some cases, routine care, so your dog can stay healthy and active.
COVERAGE FOR DOGS AND CATS
Cats
​Coverage options can help with eligible veterinary costs, including accidents, illnesses, and optional wellness care.
Pet Insurance FAQs
COMMON QUESTIONS
​Pet insurance can help cover eligible veterinary expenses resulting from unexpected accidents and illnesses. Depending on the policy, coverage may include diagnostic testing, surgeries, hospitalization, prescription medications, and emergency treatment. Some plans also offer optional wellness benefits for routine care. Coverage varies by insurance carrier and is subject to policy limits, deductibles, waiting periods, and exclusions.
​Most pet insurance policies exclude pre-existing conditions, which are illnesses or injuries that developed or showed symptoms before coverage began or during an applicable waiting period. Some carriers may reconsider certain curable conditions after a specified symptom-free period. Because definitions and exclusions vary by insurer, it's important to review the policy's pre-existing condition provisions before enrolling.
​Many pet insurance plans allow you to visit any licensed veterinarian, including specialists and emergency veterinary hospitals, rather than requiring you to use a specific provider network. Most plans operate on a reimbursement basis, meaning you pay the veterinary bill and submit a claim for eligible expenses. Reimbursement amounts and claim procedures vary by carrier and policy.
​Standard accident and illness pet insurance generally does not cover routine preventive care, such as annual wellness exams, vaccinations, flea and tick prevention, or dental cleanings. However, some carriers offer optional wellness plans or preventive care benefits that can help with these expenses. Covered services, reimbursement amounts, and annual limits depend on the plan selected.
​The cost of pet insurance depends on several factors, including your pet's age, breed, location, and the coverage selected. Deductibles, reimbursement percentages, and annual coverage limits also affect premiums. Accident-only plans may cost less than comprehensive accident and illness coverage, while optional wellness benefits generally increase the overall cost. We can help you explore available options based on your pet's needs and your budget.
