Pet Health & Discount Services
A discount plan reduces what you pay at the counter. It never reimburses you afterwards. That makes it a different product from pet insurance, useful for different reasons.
- Reduced rates at participating providers
- No claims, no deductibles, no waiting periods
- Pre-existing conditions are not excluded
Request a pet health & discount services quote
Tell us what you need covered. A licensed agent follows up with options, usually the same business day.
What a pet health & discount services policy actually does
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Discounted routine care
Reduced rates on exams, vaccinations, and wellness visits at participating practices.
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Discounted procedures
Member pricing on dental cleaning, spay and neuter, and common procedures where the provider participates.
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No exclusions for existing conditions
Because nothing is reimbursed, there is nothing to exclude, a genuine advantage for an older pet that insurance would decline.
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Immediate use
No waiting period. The discount applies from the moment the membership is active.
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Additional pet services
Some plans include discounts on grooming, boarding, or prescriptions.
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It is not insurance
Nothing is reimbursed and no claim is ever paid. You pay a reduced price directly to the provider.
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Non-participating providers
The discount only applies within the provider network. Your own vet may not be in it.
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Emergency and specialty care
Frequently outside the network, which is exactly where the largest bills occur.
Pet Health & Discount Services questions
How is this different from pet insurance?
Insurance reimburses a share of a bill after the fact and excludes pre-existing conditions. A discount plan lowers the price at the counter and excludes nothing, but never pays you anything.
Can I use it with pet insurance?
Often, yes. The discount reduces the bill, and insurance reimburses its share of what you actually paid.
Will my current vet accept it?
Only if they participate. Check the network before enrolling. That is the single thing that determines whether the plan is useful to you.
Is it worth it for an older pet?
Frequently, yes. Older pets are the ones insurance declines or heavily excludes, and a discount plan applies regardless of age or existing conditions.
This is not an insurance policy
This is a discount plan, not insurance. It is not a qualified health plan and provides no reimbursement of any kind. Members receive reduced rates from participating providers only, and pay those providers directly at the point of service.
Related coverage
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Roadside Assistance Plans
Towing, jump starts, lockouts, and fuel delivery as a standalone membership: no claim, no effect on your insurance rate.
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Auto Club Membership
Roadside service bundled with travel and everyday discounts. A membership plan, not an insurance policy.
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Windshield Repair Plan
Covers chip and crack repair without filing a comprehensive claim or paying a glass deductible.
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.