Because your pet deserves care without compromise.
Pet insurance may help reimburse eligible veterinary expenses after covered accidents or illnesses, giving you more freedom to focus on your pet’s recovery.
Protection for unexpected veterinary care.
Coverage varies by carrier and plan, but pet insurance may help with a wide range of eligible expenses.
Accidents and Injuries
Eligible treatment for broken bones, swallowed objects, bites, cuts and other sudden accidental injuries.
Illnesses
Covered care for eligible illnesses such as infections, digestive conditions, allergies and certain chronic conditions.
Diagnostics
Eligible examinations, laboratory work, X-rays, ultrasounds, MRIs and other diagnostic services.
Surgery and Hospitalization
Covered surgical treatment, anesthesia, emergency care and eligible overnight hospital stays.
Prescription Medication
Eligible prescribed medication used to treat a covered accident or illness.
Optional Wellness Care
Some plans may offer optional benefits for routine exams, vaccines and preventive care.
Choose the level of protection that fits your pet.
The right option depends on your budget, your pet’s age and the type of veterinary expenses you want covered.
Accident-Only
Designed primarily for unexpected injuries and emergencies caused by accidents.
- Broken bones and cuts
- Foreign-object ingestion
- Certain emergency treatment
- Illnesses are generally not covered
Accident and Illness
Combines accident protection with coverage for many eligible illnesses and related treatments.
- Accidental injuries
- Eligible illnesses and infections
- Diagnostics and treatment
- Prescription medication and surgery
Coverage that may follow the treatment journey.
Depending on the selected plan, eligible expenses may include:
A straightforward process from treatment to reimbursement.
Exact procedures vary by carrier, but most pet insurance claims follow a similar path.
Visit the Veterinarian
Take your pet to an eligible licensed veterinarian for treatment.
Pay the Veterinary Bill
You generally pay the clinic directly at the time services are provided.
Submit the Claim
Provide the required invoice, records and claim information to the carrier.
Receive Reimbursement
The carrier reviews the claim and reimburses eligible expenses according to the policy.
Know what to review before choosing a plan.
Pet insurance policies can differ significantly, so it is important to compare the details.
Plan Choices to Compare
- Annual deductible
- Reimbursement percentage
- Annual or per-condition limits
- Accident and illness waiting periods
- Optional wellness benefits
- Eligible veterinarian requirements
Common Limitations
- Pre-existing conditions are generally excluded
- Waiting periods may apply
- Routine care may require an added wellness option
- Breed-specific or hereditary limitations may apply
- Cosmetic and elective procedures are commonly excluded
- Coverage is subject to policy terms and eligibility
Clear guidance for an important family decision.
Our team can help you review available pet insurance options and understand deductibles, reimbursement percentages, limits and waiting periods.
Plan Comparison
Review accident-only, accident-and-illness and available wellness options.
Coverage Guidance
Understand how deductibles, limits and reimbursement levels affect your plan.
Local Service
Speak with a team that can help explain your options clearly.
Ongoing Support
Get help with policy questions and carrier contact information.
Help protect your pet’s next chapter.
Request a pet insurance quote and compare available options for accidents, illnesses and eligible veterinary treatment.
Pet insurance questions, answered.
Coverage and eligibility vary by carrier and selected plan.
What does pet insurance usually cover?
Depending on the plan, pet insurance may reimburse eligible expenses for covered accidents, illnesses, diagnostics, surgery, hospitalization and prescription medication.
Are pre-existing conditions covered?
Pre-existing conditions are generally excluded. The carrier may review your pet’s medical history when determining whether a condition is pre-existing.
Can I use my current veterinarian?
Many plans allow treatment by eligible licensed veterinarians, but you should review the carrier’s requirements before purchasing coverage.
How does the deductible work?
The deductible is the amount you are responsible for before eligible reimbursement begins. Plans may use annual or per-condition deductibles.
Does pet insurance cover routine care?
Routine and preventive care may not be included in the base plan. Some carriers offer optional wellness benefits for exams, vaccines and other preventive services.
When should I purchase pet insurance?
Many owners consider coverage while their pets are young and healthy because conditions that exist before coverage begins are generally excluded.
Coverage descriptions are provided for general informational purposes only and do not amend, extend or replace the terms of any insurance policy. Coverage is subject to eligibility, underwriting approval, waiting periods, selected deductibles, reimbursement percentages, limits, conditions and exclusions. Refer to the issued policy for complete terms and conditions.