Pet insurance starting at $1/day

We offer coverage for the Actual Costs of any Medically Necessary Treatment your pet receives for a covered injury or illness during the policy period, up to the Per Incident Limit and Annual Benefit Limit shown on your Declarations Page.

Our basic pet insurance policy reimburses you for Medically Necessary Treatments, including:

• Examinations: Physical exams, consultations, health inspections, office visits, virtual visits, and referral fees.
• Surgical Treatments: Procedures required for covered injuries or illnesses.
• Diagnostic Tests: X-rays, ultrasounds, CT scans, laboratory tests, and more.
• Medical Supplies: Supplies required for procedures deemed Medically Necessary by your vet.
• Hospitalization: Stays required by your vet for treatment.
• Orthodontic Treatment: Due to a covered injury or illness.
• Emergency Transportation: Ground pet ambulance transportation up to $100.

No, our insurance is a reimbursement-based plan, not a traditional co-pay type. This means you pay for your pet's medical expenses upfront, and we reimburse you for eligible costs. Depending on your policy, you can receive up to 100% back on covered medical expenses after your deductible is met. This approach ensures you get the care your pet needs without being restricted to specific networks or providers.

Our policy does not cover pre-existing conditions. A pre-existing condition is defined as any medical condition that first occurred or showed clinical signs before the policy's effective date or during the waiting period.

However, we do make an exception for pre-existing conditions that are considered Cured. A condition is deemed cured if:

• It is a temporary illness or injury.
• It has been resolved without recurrent symptoms or ongoing treatment for at least 12 months.

Please note that knee or ligament injuries, illnesses, and hip dysplasia are not considered curable and remain excluded.

This policy ensures fairness while helping you protect your pet's future health needs.

Yes, there are age restrictions for new enrollments:

• Pets must be at least 8 weeks old and no older than 15 years.

For renewal policies:

• Pets over 15 years old are eligible for renewal as long as they were enrolled in the policy before their 15th birthday and have maintained continuous coverage.

These guidelines ensure comprehensive protection for your pet at every stage of their life.

All coverages are set at the policy level and cannot be individually customized. However, with multiple pets, you’ll get a discount on your policy, making it easier and more affordable to protect your entire furry family!