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Why Pet Insurance?

150 Million Pets in U.S.

More than 2/3 of American households have at least 1 pet, with Millennials encompassing the #1 pet-owning generation. 

Less Than 4% Insured

Less than 4% of all pets are insured within the U.S. 

Financial Protection

Pet insurance can provide financial protection in case of unexpected vet costs by covering surgeries, emergency visits, and more. 

Peace of Mind

Pet Insurance can give pet owners peach of mind by knowing they will get the best possible care for their pets. 

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Insurance 1

  • Unlimited 24/7 Live Vet Chat
  • Hereditary Conditions
  • Congenital Conditions
  • No Network Restrictions in U.S. or Canada
  • Wellness Options
  • Customizable Policy Pricing
  • 30 Day Money Back Guarantee
  • Covers Cats & Dogs
Poodle dog mid-leap, floppy ears flying outward as it runs energetically.

Insurance 2

  • Access to 24/7 Pet Health Helpline
  • Chronic & Hereditary Conditions
  • No Lifetime Caps
  • No Network Restrictions
  • No Upper Age Limits
  • Customizable Policy Pricing
  • 30 Day Money Back Guarantee
  • Covers Cats & Dogs

Plans

Essential

Coverage for accidents, injuries, and illnesses. Up to $10,000 in covered veterinary fees per year.

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Ultimate

Coverage for accidents, injuries, and illnesses with no annual limit for covered veterinary fees. 

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Accident

Coverage for accidents and injuries only. 

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Customizable

A customizable plan that suits your pet’s needs. You can add veterinary exam fee and wellness coverages. 

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Compare Plans

Essential and Accident covers up to $10,000 of veterinary fees. Ultimate covers unlimited veterinary fees. 

Essential

  • All of the Accident Plan Features
  • Cancer, Growths & Cancer Treatments
  • Congenital Defects or Abnormalities
  • Digestive Illness
  • Eye, Ear, Skin, & Hereditary Conditions
  • Hip Dysplasia
  • Urinary Infections
  • Covers Cats & Dogs
  • $250 of Behaviorial Disorders

Ultimate

  • All of the Accident Plan Features
  • Cancer, Growths, & Cancer Treatments
  • Congenital Defects or Abnormalities
  • Digestive Illness
  • Eye, Ear, Skin, & Hereditary Conditions
  • Hip Dysplasia
  • Urinary Infections
  • Covers Cats & Dogs
  • $1,000 of Behaviorial Disorders
  • $500 of Advertising & Reward
  • $500 of Boarding Kennel & Cattery Fees
  • $500 of Loss Due to Theft or Stray
  • $1,000 of Mortality Benefit
  • $1,000 of Vacation Cancellation

Accident

  • Alterative Therapies
  • Bite Wounds
  • Broken Bones
  • Injuries to Teeth or Mouth
  • Emergencies & Hospitalizations
  • Presecription Meds
  • Radiology & Diagnostic Tests
  • Surgery & Specialized Care
  • Swallowed Objects
  • Covers Cats & Dogs

Customizable

  • Add Stray & Neuter
  • Add Dental Cleaning
  • Add Flea & Heartworm Prevention
  • Add Vaccinations
  • Add Microchip
  • Add Annual Wellness Exams
  • Add Rabies Vaccine
  • Add Fecal Exam
  • Add Deworming
  • Covers Cats & Dogs

FAQs

Pet insurance is insurance coverage that reimburses you for certain medical expenses and surgeries that you may encounter when your pet becomes ill or gets into an accident. 

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Pet insurance covers unexpected accidents and injuries. It can cover exams for qualified illnesses and related treatment including surgeries and medication. Pet insurance focuses routine care and regular check-ups to ensure your furry friend’s wellbeing. It may cover behavior issues such as training for anxiety, aggression, and other behaviors. 

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It provides coverage for eligible costs of vet care for pets. First fill out the contact form to receive your personalized quote. Then you’ll be given a list of policies and what it covers. You will then pay a premium that depends on the policy’s coverage, your pet’s breed, age, and other factors. Take your pet to the vet when they get sick or injured. You’ll pay for the treatment upfront but then submit a reimbursement claim. The reimbursement amount depends on the plan but can reimburse up to 90% of eligible expenses, exclusions apply. Once the pet insurance provider receives the claim, they will review it and process the reimbursement. Some providers offer direct deposit meaning you can get reimbursed quickly. 

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Pet insurance does not cover pre-existing conditions, grooming, and funeral costs. Some plans can cover curable pre-existing conditions that have been symptom free and without treatment for six months, though some exclusions apply. 

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Typically pet insurance covers cats and dogs, but some providers can cover exotic animals such as birds and lizards. Reach out to us for more information.

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Potentially! Many pet insurance providers offer discounts such as multi-pet discounts. If you have multiple pets you would like to ensure, please provide their information too! 

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Some pet insurance policies have periods before coverage begins. 

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Some pet insurance providers allow pet owners to use any licensed vet, while others have a network of preferred providers. Prudent Pet and Spot Pet Insurance both allow pet owners to use their vet of choice. 

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This Month's Featured Pet is...

Dumpling

Meet Dumpling the annoying orange cat that loves to sleep after a long day of climbing up her human’s shoulders and back. She loves to eat and can’t wait for her belly to be full, so she can dream of more food. 

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Our Past Featured Pets

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Get a Quote & Enter to Feature Your Pet

Fill out the form below to get peace of mind and protect your furry friends. Is your pet a star? By requesting a quote, your pet is automatically entered into the monthly featured pet contest that includes a website spotlight and a digital billboard.

Wire-haired dachshund jumping forward with ears flopping and paws outstretched.
White and brown tabby cat stretching forward with eyes half-closed, front paws extended and back arched.