Coverage Options
From basic accident protection to comprehensive wellness plans, find the perfect coverage for your pet's needs and your budget.
Choose Your Plan
Every pet is unique. That's why we offer flexible plans to match your pet's needs and your budget.
Accident Only
Basic protection for unexpected accidents
- Broken bones & fractures
- Cuts & bite wounds
- Swallowed objects
- Toxic ingestion
- Emergency care
- Illness coverage
- Wellness visits
- Dental disease
Accident & Illness
Comprehensive coverage for accidents and illnesses
- Everything in Accident Only
- Cancer treatments
- Diabetes care
- Allergies & skin conditions
- Infections & diseases
- Diagnostic tests
- Prescription medications
- Wellness visits
Complete Care
Full protection including wellness and preventive care
- Everything in Accident & Illness
- Annual wellness exams
- Vaccinations
- Dental cleaning
- Flea & tick prevention
- Heartworm prevention
- Spay/neuter coverage
- Microchipping
What's Covered
Our comprehensive plans cover a wide range of conditions and treatments to keep your pet healthy and protected.
Accident Coverage
Protection when the unexpected happens
- Broken bones and fractures
- Cuts, bites, and lacerations
- Eye and ear injuries
- Swallowed foreign objects
- Poisoning and toxic ingestion
- Burns and electrocution
- Car accidents
- ACL and ligament tears
Illness Coverage
Comprehensive care for health conditions
- Cancer and tumors
- Diabetes management
- Heart disease
- Kidney and liver disease
- Allergies and skin conditions
- Digestive issues
- Respiratory infections
- Urinary tract infections
Wellness Coverage
Preventive care to keep pets healthy
- Annual wellness exams
- Core vaccinations
- Dental cleanings
- Blood work and screenings
- Flea/tick/heartworm prevention
- Spay/neuter procedures
- Microchipping
- Nutrition consultations
Emergency Care
When every second counts
- 24/7 emergency vet visits
- Emergency surgery
- Hospitalization
- ICU and critical care
- Blood transfusions
- Oxygen therapy
- Emergency medications
- After-hours care
Frequently Asked Questions
Have questions? I have answers. Here are some common questions about pet insurance.
What is the waiting period for coverage?
Most policies have a 14-day waiting period for illnesses and a 48-hour to 14-day waiting period for accidents. This helps prevent fraud and keeps premiums affordable for everyone.
Are pre-existing conditions covered?
Pre-existing conditions are typically not covered. However, some conditions that have been cured for a certain period may become eligible. I can help you understand which conditions might be covered.
Can I use any veterinarian?
Yes! Unlike human health insurance, pet insurance allows you to visit any licensed veterinarian, specialist, or emergency clinic. You pay the vet directly and submit claims for reimbursement.
How do claims work?
Simply pay your vet bill, then submit your claim online or via the app with your invoice and medical records. Most claims are processed within 5-10 business days, and reimbursement is sent directly to you.
Are there breed restrictions?
Most pet insurance companies cover all breeds. However, some breeds may have specific conditions excluded or higher premiums due to genetic predispositions. I can help you find the best coverage for your specific breed.
What about older pets?
Many insurers cover pets of any age, though premiums increase with age. Some companies have enrollment age limits (typically 14 years for dogs, no limit for cats). The best time to insure your pet is when they're young and healthy.
Not Sure Which Plan is Right?
Let me help you find the perfect coverage for your pet. Get a personalized recommendation based on your pet's breed, age, and health.