Pet Insurance

Pet health insurance offers policies and options that cover a wide variety of medical expenses:

• Accidents/injury
• Illness
• Hospitalization
• Emergency vet visits
• Surgery
• Vaccinations
• Annual physicals
• Flea prevention
• Dental trauma
• Some alternative therapies

Coverage for accidents and preventive care (if purchased) begins immediately on the plan’s effective date; illnesses and knee/ligament injuries have a 14-day waiting period.

Customers can choose from limits up to $15,000, with an annual deductible of $100, $250 or $500. Depending on the plan, eligible charges will be reimbursed at 70%, 80% or 90%. A package covering preventive care (with no deductible) is available for an additional cost. Coverage can be purchased for multiple pets; each will have their own separate policy and premium, and each additional pet qualifies the customer for a 10% discount.

Although premiums will increase as a covered pet gets older, a policy will never be cancelled or downgraded due to a pet’s age or health.

Pre-existing conditions, cosmetic procedures and/or costs associated with breeding or pregnancy are not covered; waiting periods may apply, and products and discounts are subject to change.

How it works:

Pet health insurance coverage works simply: Customers take their pet for a covered treatment, pay the vet bill, then submit a claim for reimbursement. That’s it!

The customer selects a deductible of $100, $250, or $500. The deductible is annual, so after they meet the deductible amount, they won’t have to satisfy it again until the next 12-month plan period.  After the annual deductible is met, the reimbursement amount will be 70%, 80% or 90% of invoice, based on the reimbursement percentage selected when the policy was purchased.

Customers also select an annual limit of $2,500, $5,000, $10,000 or $15,000.

Reimbursements can be deposited directly into a customer’s bank account or sent via check. Typically, it takes 14-16 business days to process a claim.

This insurance is applicable for treatments at any veterinary clinic in the U.S. or Canada, including treatment from specialists and emergency facilities. Policies have a 12-month term.