Pet Insurance

Pet Insurance Information

Pet Insurance That Helps Protect the Ones You Love

Pets are an important part of our families, but unexpected accidents, illnesses, and veterinary treatments can become expensive. Pet insurance may help reduce the financial burden of eligible veterinary expenses, allowing you to focus on getting your pet the care they need.

Depending on the policy, coverage may help with accidents, illnesses, diagnostic testing, surgeries, medications, and certain routine or preventive care.

Accident and Illness Coverage

Unexpected medical problems can happen at any age. Pet insurance may help cover eligible expenses related to:

Accidental injuries, such as broken bones, cuts, or injuries from accidents.
Illnesses, including infections, allergies, and other covered medical conditions.
Diagnostic testing, such as bloodwork, X-rays, and other medically necessary tests.
Surgeries and hospitalization.
Prescription medications related to covered conditions.

Coverage varies by policy, and pre-existing conditions are generally excluded.

Protect Your Best Friend Help prepare for unexpected veterinary expenses

Coverage for the Unexpected Protection for eligible accidents and illnesses

Care When They Need It Help with eligible veterinary care and treatment

More Peace of Mind Coverage options designed around your pet's needs

Routine and Wellness Coverage

Some pet insurance plans offer optional wellness or preventive-care coverage in addition to accident and illness protection. Depending on the plan, this may help with:

Wellness Exams

Annual wellness exams and checkups may be covered under eligible preventive-care plans.

Vaccinations & Prevention

Some plans may help with vaccinations and flea, tick, and heartworm prevention.

Routine Care

Depending on the plan, coverage may extend to dental cleanings and other routine or preventive veterinary services.

Routine care is not typically included in standard accident-and- illness coverage, so it's important to review your policy to understand what is included.

How Pet Insurance Works

Pet insurance generally works through reimbursement. When your pet needs veterinary care, you typically:

Visit a licensed veterinarian and pay for the treatment.
Submit the veterinary invoice and required documentation with a claim.
Receive reimbursement for eligible expenses according to your policy after any applicable deductible.

Many pet insurance plans allow you to visit any licensed veterinarian, although geographic or policy-specific restrictions may apply.

Important Coverage Considerations

When choosing pet insurance, consider:

Deductibles: The amount you pay out of pocket before reimbursement begins.
Reimbursement percentage: The percentage of eligible expenses your policy reimburses after the deductible.
Annual limits: The maximum amount the policy will reimburse during a policy year.
Waiting periods: The period before certain coverage becomes effective.
Pre-existing conditions: Conditions that existed before coverage began are generally not covered.
Age and breed: Your pet's age, breed, and health history may affect eligibility and cost.

Choosing the right combination of coverage, deductible, reimbursement percentage, and annual limit can help you find a policy that fits both your pet's needs and your budget.

Find the Right Pet Insurance Coverage

Every pet is different, and coverage needs can vary based on age, breed, health history, and the type of protection you want. A licensed insurance professional can help you review your options and find coverage that fits your needs.

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