What is Pet Insurance?
Pet insurance helps cover the cost of veterinary care for your dogs, cats, and other pets. Like health insurance for humans, it reimburses you for eligible medical expenses, making it easier to afford the best care for your beloved companions.
With veterinary costs rising and advanced treatments becoming more available, pet insurance provides financial protection against unexpected accidents, illnesses, and chronic conditions. It allows you to make healthcare decisions based on what's best for your pet, not just what you can afford.
Pet insurance can save you thousands of dollars on emergency surgeries, cancer treatments, and chronic condition management.
What Pet Insurance Covers
Comprehensive protection for your pet's health needs
Accidents & Injuries
Coverage for broken bones, lacerations, poisoning, foreign object ingestion, and other unexpected injuries.
Illnesses
Protection for infections, digestive issues, respiratory problems, cancer, and other medical conditions.
Surgeries
Coverage for necessary surgical procedures including emergency operations and specialized surgeries.
Medications
Reimbursement for prescription medications needed to treat covered conditions and illnesses.
Diagnostic Tests
Coverage for X-rays, blood work, MRIs, ultrasounds, and other diagnostic procedures.
Chronic Conditions
Ongoing coverage for manageable chronic conditions like diabetes, arthritis, and allergies.
Hospitalization
Coverage for overnight stays, emergency care, and intensive care unit treatment.
Specialist Care
Access to veterinary specialists including oncologists, cardiologists, and orthopedic surgeons.
Behavioral Therapy
Some plans cover behavioral issues and training when medically necessary.
Types of Pet Insurance Plans
Choose the coverage level that's right for your pet
Accident Only
Most affordable option
- Covers injuries from accidents
- Emergency care
- Broken bones and lacerations
- × No illness coverage
Accident & Illness
Comprehensive coverage
- All accident coverage
- Illnesses and infections
- Chronic conditions
- Cancer treatment
Wellness Add-On
Preventive care coverage
- Annual exams
- Vaccinations
- Dental cleanings
- Flea/tick prevention
Why You Need Pet Insurance
Rising Veterinary Costs
Emergency surgeries can cost $2,000-$7,000+. Cancer treatment can exceed $10,000. Insurance makes these costs manageable.
Peace of Mind
Make healthcare decisions based on what's best for your pet, not just what you can afford at the moment.
Unexpected Emergencies
Accidents and sudden illnesses happen without warning. Be prepared for the unexpected with insurance coverage.
Advanced Treatments
Access cutting-edge treatments and specialist care that might otherwise be financially out of reach.
How Pet Insurance Works
A simple process to get your pet the care they need
Visit Any Vet
Take your pet to any licensed veterinarian, specialist, or emergency clinic in the US or Canada.
Pay the Bill
Pay your veterinary bill at the time of treatment, just as you normally would.
Submit a Claim
Easily submit your claim along with the vet invoice through our online portal or mobile app.
Get Reimbursed
Receive reimbursement for eligible expenses via direct deposit or check, often within days.
What Is Not Covered?
Like all insurance policies, pet insurance has some exclusions. It's important to know that pet insurance does not cover pre-existing conditions (illnesses or injuries that occurred before your policy started or during a waiting period), cosmetic procedures (like tail docking or ear cropping), or breeding costs.
The Importance of Enrolling Early
Because no pet insurance covers pre-existing conditions, the best time to enroll your pet is when they are young and healthy. Enrolling early ensures that if they develop a chronic condition like allergies or arthritis later in life, it will be fully covered.
Frequently Asked Questions
Protect Your Furry Family Member
Get peace of mind knowing you can always afford the best care for your pet.
GET YOUR QUOTE TODAY