Pet Insurance
Pet insurance reimburses you after the vet bill, rather than paying it for you. The single most important decision is when you enroll, because anything already present is excluded permanently.
- Accident and illness coverage, with optional wellness add-ons
- Reimbursement percentage, deductible, and annual cap all adjustable
- Any licensed vet, no networks
Request a pet insurance quote
Tell us what you need covered. A licensed agent follows up with options, usually the same business day.
What a pet insurance policy actually does
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Accidents
Broken bones, foreign body ingestion, lacerations, and the emergency surgery that follows, the category that produces the largest unexpected bills.
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Illness
Infections, cancer, diabetes, allergies, and chronic conditions diagnosed after the policy starts and any waiting period ends.
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Diagnostics
Bloodwork, x-rays, ultrasound, and MRI related to a covered condition.
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Prescription medication
Drugs prescribed to treat a covered condition, which for a chronic diagnosis is often the largest cumulative cost.
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Optional wellness
Routine care add-ons for vaccinations, dental cleaning, and annual exams. Effectively a payment plan for predictable costs rather than insurance against unpredictable ones.
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Pre-existing conditions
Anything showing symptoms before coverage began or during the waiting period is excluded, generally permanently. This is why enrolling early matters more than any other choice.
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Breeding, cosmetic, and elective procedures
Tail docking, ear cropping, and breeding costs are excluded.
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Some hereditary conditions
Breed-specific hereditary conditions are excluded by some plans and covered with waiting periods by others. Worth checking against your specific breed.
Pet Insurance questions
How does reimbursement work?
You pay the vet, submit the invoice, and the insurer reimburses its share after your deductible, commonly 70, 80, or 90 percent up to an annual limit.
Is it worth it for a young, healthy pet?
That is exactly when it is cheapest and when nothing is yet excluded. Waiting until a problem appears is waiting until that problem is uninsurable.
Can I use my own vet?
Yes. Pet insurance has no networks: any licensed veterinarian is fine, including emergency and specialty practices.
Are there age limits?
Many carriers limit new enrollment for older pets, and some price by age band. Coverage started young generally continues for life.
Related coverage
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Identity Theft Protection
Monitoring, alerts, and the part that matters most: a restoration specialist who does the paperwork to get your identity back.
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Travel Club & AD&D
Travel assistance benefits paired with accidental death and dismemberment coverage for trips away from home.
Not sure what you need?
Tell a licensed agent what you're insuring and what you're worried about. We'll walk through the options and what each one actually costs.