Pet Insurance

The costs of veterinary care are rising, especially as more sophisticated treatments become available for animals. Pet insurance can help you focus more on your pet's care and less on finances.

The types of coverages you’ll get

Accident coverage 
Accident coverage will take care of costs for injuries and emergencies related to accidents, like torn ligaments, bite wounds, cuts, broken bones, lodged foreign objects, and toxic ingestions.

Illness Coverage
With illness coverage, you’ll be reimbursed for the costs of major and minor illnesses, such as cancer, arthritis, allergies, hypothyroidism, digestive problems, and UTIs.

Hereditary & congenital conditions
This coverage is for the costs of inherited conditions and birth defects that don’t show symptoms until later in your pet’s life, like heart disease, IVDD, eye disorders, and hip dysplasia.

Behavioral conditions
Behavioral conditions coverage can help with the costs of vet visits of concerning behaviors that may be related to anxiety or OCD, like excessive licking, fur pulling, and destruction of the home.

What’s not covered

Like all pet insurance providers, there are some exclusions.

Pre-existing conditions
No pet insurance provider covers pre-existing conditions that occur before coverage begins or during a waiting period. However, an injury or illness that is cured and free of treatment and symptoms for 180 days will no longer be regarded as pre-existing, with the exception of knee and ligament conditions. If a knee and ligament condition occurs before the coverage effective date or during a waiting period, any future ones won’t be covered.

Cosmetic procedures
Our plans do not cover elective procedures, such as tail docking, ear cropping, and claw removal.

Breeding costs
Our plans do not cover costs associated with breeding or pregnancy.

Here are some interesting facts and statistics to better inform you about Pet insurance.

• Today, over 6 million dogs and cats have pet insurance in the US.
• Most Americans struggle to afford a $1,500 emergency vet bill, and one out of every three pets will require emergency treatment each year.
• Depending on the problem, a pet health emergency can cost anywhere from a few hundred dollars to over $7,000.
• On average, the monthly cost of pet insurance is $54 for dogs and $32 for cats. Your actual costs may be higher or lower depending on a variety of factors.

Pet insurance can provide peace of mind, knowing that you can afford to care for your pet if they need medical attention.

Flexibility

Use any licensed vet in the US or Canada. This allows you to maintain care and your pet receives treatment as needed.

Be prepared

This helps offset the expenses associated with care for your pet. It typically covers exam fees, microchipping, prescription foods and medication for covered conditions, and more.

Multiple pets

Many pet insurance providers offer discounted rates when you insure multiple pets under the same policy.