About Pet Insurance
What is pet health insurance?
Pet insurance helps you pay your veterinary bills, so you'll never have to choose
between your pet's well-being and your personal finances.
Why do I need pet insurance?
The costs of veterinary care are rising rapidly. Plus, the costs of treatments like
surgery and chemotherapy are rising even faster. With our pet insurance, you'll
have the financial support you need to keep your pets healthy – or even save
their lives.
What does pet insurance cover?
We offer 4 increasing levels of coverage starting with basic accident protection
then adding coverage for illnesses, essential wellness care, and deluxe wellness
care. You can also add extra protection for ongoing conditions with our
inexpensive Continuing Care coverage option.
What does it cost?
We work hard to make our pet insurance as affordable as possible. Your cost will
depend on factors like the level of coverage you choose and the breed and age of
your pet. To find out what your pet insurance premium would be, get a
free
quote
now.
Using Your Plan
Once I've enrolled, how long before my pet insurance is effective?
We issue pet insurance plans on the 1st and 15th of the month. If your
application is accepted and payment is received from the 1st to the 14th of the
month, your anticipated effective date would be the 15th. If your application is
accepted and payment is received on or after the 15th, your anticipated effective date
would be the 1st of the following month. (Please note that all plans are subject
to underwriting and are not issued without receipt of payment.)
When can I start using my pet insurance?
One of the great things about our pet insurance is that accident and wellness
care coverage, if included, start as soon as your plan is effective. Illness
coverage, if included, begins 30 days after your effective date (this waiting
period does not apply in all states). Costs associated with the diagnosis,
treatment, or surgery for Anterior Cruciate Ligament (ACL) or Cranial Cruciate
Ligament (CCL) conditions are not covered during your first plan period
following enrollment.
What are my payment options?
Payments may be made by credit card or automatic check withdrawal. We accept
payments on a monthly, quarterly, semi-annual, or annual basis. You can change
your payment method easily anytime at our free
Member Center.
Can I save money by paying annually?
Yes. We'll waive the $10.50 issuance fee if you pay your 12-month plan in full.
This fee is not applicable in all states.
Can I stay with my veterinarian?
Yes! We wouldn’t want you to have to change veterinarians. In fact, with our pet
insurance, you can use ANY licensed veterinarian in the US or Canada. This way,
your pet is even covered if you’re travelling.
How do I submit a pet insurance claim?
It’s easy! All you have to do is fill out our 1-page
claim form
, then fax, mail,
or email it to us with your receipts. Just make sure you sign the form.
How long does it take to get reimbursed?
We work hard to process our pet insurance claims quickly, but turnaround time can
vary depending on how many claims we’re working on. We review every claim
thoroughly.
What are “usual and customary covered charges?”
These are veterinary costs covered by your pet insurance plan and considered reasonable in areas similar to yours. We use available industry and proprietary data to determine fair reasonable costs.
How does the deductible work?
Our base plans have a low $100 deductible that only needs to be met once a year
per pet, rather than per incident. So, for example, if the first claim of your
plan year had a total of $250 in usual and customary covered charges, you would be
responsible for the first $100 to meet the deductible. We would then reimburse
you for 80% of the remaining $150.
There is a separate $100 annual deductible per pet for our Continuing Care coverage option.
Can my claim be paid directly to the veterinarian?
Yes. Simply check the box on the front of the claim form, and we’ll send the
reimbursement directly to the veterinary clinic.
Can I switch to a different level of coverage later?
Yes. You may be eligible to change your base plan level of coverage. However, you
can only add our Continuing Care option when you first enroll or when your plan
renews, not mid-plan.
Do you cover Anterior Cruciate Ligament (ACL) and Cranial Cruciate Ligament (CCL) conditions?
Costs associated with the diagnosis, treatment, or surgery for ACL and CCL conditions are not covered during your first plan period following enrollment. ACL and CCL conditions are considered bilateral, meaning when one leg is affected, we consider both legs affected. Therefore, this condition will be considered as one incident.
Do you provide pet insurance for residents of Canada?
We don’t offer pet insurance coverage in Canada at this time. However, if you
live in the US and travel to Canada, you can take your pet to any licensed
veterinarian there for treatment. You would submit your claim the same way as if
you saw a veterinarian in the US.
Can I cancel my pet insurance at any time?
We’re sure you’ll be happy with our coverage and service, but you can cancel at anytime by contacting us. We also offer a 30-day money back guarantee as long as no claims were submitted.
Just contact us
to cancel within the first 30 days, and we’ll refund your premium using the payment method you provided.
What's not covered?
Like all pet insurance providers, we have exclusions, which are treatments that
are not covered. This helps us keep premiums lower and payouts higher.
What happens at renewal?
To make it as easy as possible for you to maintain your coverage without
interruption, we automatically renew your pet insurance plan each year. Keep in
mind that your $100 annual deductible and per incident and annual limits reset
at renewal. Also, unless you selected our Continuing Care option, illnesses or
injuries that occurred in the previous plan period will not be covered in the
next plan period, unless 180 days have passed since cure and last treatment.
Can I receive information by email rather than mail?
Yes! You can choose to receive your plan and other available communications
online at the
Member Center or by email, rather than by mail. Going paperless
saves time, effort, and the environment! Just select our "Go Paperless" option
during enrollment. If you're already a customer, you can login to the
Member Center and click "Go Paperless."
About Your Pet
What are the age requirements and restrictions for your pet insurance?
For initial enrollment in our pet insurance, dogs and cats must be at least 8
weeks old. Initial enrollment for Level 2, 3, and
4 is limited to dogs 12 years
and under and cats 14 years and under. An age surcharge applies to dogs when
they reach age 9 and again at age 12. For cats the age surcharge applies at age
11 and again at age 13.
Our Level 1 coverage has no age limitations or surcharges.
Continuing Care coverage age requirements and restrictions may vary.
Will my pet insurance be cancelled when my pets get older?
We’ll never cancel your pet insurance because of the age of your pet. However, premium surcharges based on age may apply unless you enrolled in Level 1 of our pet insurance coverage.
What if I have more than one pet?
If you have more than one pet, you can save 10% on each additional pet after the
highest premium pet. Just enroll them in the same level of coverage (excludes Level 1 and Continuing Care).
What are pre-existing conditions?
Pre-existing conditions are illnesses or injuries that show symptoms prior to a
plan's effective or renewal date or within a waiting period. This includes
conditions that have not yet been clearly diagnosed or treated with medication.
Are pre-existing conditions covered?
Like other pet insurance providers, we don’t cover pre-existing conditions to
keep premiums lower. If a pre-existing condition is curable and 180 days have
passed since its cure and last treatment it may become eligible for coverage.
What are ongoing conditions?
Ongoing conditions are illnesses or injuries that occur in one plan period, and
need care in subsequent plan periods. For example, long-term or chronic
conditions like allergies, asthma, diabetes, osteoarthritis, or cancer may be
considered ongoing conditions.
Are ongoing conditions covered?
We have two different approaches to ongoing conditions. Our base plans don’t
cover ongoing conditions from year to year, unless 180 days have passed since
the condition was cured, last treated, and free from symptoms. However, our
inexpensive Continuing Care coverage option is designed to provide protection
for ongoing conditions. You may be eligible to add Continuing Care to Level 2, 3, or 4 of our pet insurance when you first enroll or at renewal.
What does congenital/hereditary mean?
A congenital condition is one that is considered a birth defect, or a defect in
growth development. A hereditary condition is one that may have been passed down
from an animal's parents or through the breed. Both congenital and hereditary
conditions can manifest or show their symptoms at any time during a pet's life.
Are congenital/hereditary conditions covered?
To help keep our premiums as affordable as possible, our pet insurance does not
include coverage for congenital/hereditary conditions.
When does my Continuing Care coverage activate?
Ongoing conditions are illnesses or injuries that occur in one plan period, and
need care in subsequent plan periods. Our base plans don’t cover ongoing
conditions from year to year, unless 180 days have passed since the condition
was cured, last treated, and free from symptoms.
However, our inexpensive Continuing Care coverage option is designed to provide coverage for ongoing conditions. You may be eligible to add our Continuing Care coverage option to Level 2, 3, or 4 when you first enroll or at renewal.
Does Continuing Care have a deductible in addition to my base plan deductible?
Yes, there is an additional $100 annual deductible per pet for claims eligible under the Continuing Care coverage option.
Can I increase my level of Continuing Care coverage later?
No, the level of Continuing Care coverage selected at enrollment cannot be increased.
What are the age requirements and restrictions for the Continuing Care
Endorsement?
For initial enrollment dogs and cats must be at least 8 weeks old. Initial enrollment is
limited to dogs 8 years old or younger and cats 10 years old or younger.
Does the Continuing Care Endorsement cover ongoing conditions?
Yes. As long as the ongoing condition is not pre-existing to enrollment into Continuing Care coverage.
NOTE: This is not a complete description of all coverage terms, conditions, and exclusions. See coverage terms for a full description of the scope and limitations of coverage.
