Find the Best Pet Insurance for Your Best Friend!
How pet insurance works
A pet insurance plan lets you give your furriest family members the best health care possible by reimbursing you for eligible veterinary costs.
Visit your vet
Visit any licensed veterinarian in the United States or anywhere else in the world.
Submit claims
Quickly and easily submit claims online for things like illnesses, injuries or emergency care.
Receive cost reimbursements
Receive reimbursements for eligible vet costs covered under your policy terms.
Frequently Asked Questions
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Absolutely. Most plans can be used with any licensed veterinarian, anywhere in the world - even specialists and emergency providers.
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Most Plans offer nose-to-tail coverage for:
- Accidents, including broken bones, sprains, lacerations and poisoning
- Illnesses, including allergies, ear infections, arthritis and cancer, and more
- Preventive care, including checkups, vaccinations and flea/tick preventive
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Once you’ve met your annual deductible, you will get reimbursed for eligible veterinary expenses according to the percentage or benefit schedule you selected for your plan, up to the applicable policy limit.
Say you have a $250 annual deductible with $5,000 in accident coverage at 90% reimbursement. Now let’s say your dog broke a leg and the vet bill was $2,500, of which $2,400 was covered (plans typically don’t cover non-medical things like tax and waste disposal). After your deductible and 90% are applied, you would be reimbursed $1,935, leaving you with $3,065 in remaining accident coverage for the remainder of your policy term.
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To get the best coverage options, enroll your pet before age 8, and be sure to keep your policy continually in force (translation: don’t let it lapse or expire). Most plans will not to drop your pet because of age.
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Most plans allow you to cancel anytime. Your state may also have a Free Look Period (a.k.a. Right to Examine and Return a Policy) in which you would have a limited time to get your money back. To qualify, you must not have filed a claim under the policy. Participating states require you to notify us of your choice to exercise the Free Look option within a specific time frame. Please read your policy for details. Terms may vary by state.
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The best pet insurance for you is one that provides a level of coverage you’re comfortable with and fits your budget for monthly premiums. When choosing your plan, consider how much medical care (for accidents and illnesses) is typical for your pet’s breed and whether you want wellness coverage for preventive care.
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Most plans start 14 days after your application is approved and payment has been received. If you’re enrolling as part of a group or organization, effective dates vary.
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Some plans offer annual deductible options as low as $100. Most pet owners choose a $250 annual deductible.
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Items such as grooming, tax, waste disposal, boarding, or pre-existing conditions are typically not eligible for coverage.
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Monthly premiums for new enrollments depend on your pet’s breed and age, the type of coverage selected and your ZIP code.