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Vet-Approved Insurers

30 Sec

What’s your pet’s name?

We’ll use it to personalize your quotes.

Please enter your pet’s name.

What breed is your pet?

Not sure? Pick the closest match, or “Mixed breed.”

Please select a breed.

Is your pet a boy or a girl?

Just a few more details.

Boy

Girl

How old is your pet?

A best guess is fine.

Please select an age.

Which ZIP code does your pet call home?

Pet insurance rates can vary by location.

Please enter a valid 5-digit ZIP code.

Last step! Where should we send your pet’s quotes?

Kept private, sent only to matched providers.

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Finding your matches…

How it works

Tell us about your pet

Answer a few quick questions about your pet and where you live.

Get matched

We match you with pet insurance providers that fit your needs.

Choose your plan

Compare your options and pick the one that fits your pet and your budget.

Got questions about pet insurance? We’ve got answers.

What is pet insurance and how does it work?

Pet insurance helps pay for vet bills when your pet is sick or injured. In most cases, you pay the vet, send a claim to your insurer, and get reimbursed for a share of the covered cost once your deductible has been met.

What does pet insurance usually cover?

Most accident and illness plans cover things like injuries, infections, cancer, chronic conditions, emergency care, surgery and diagnostic tests. Some plans also cover hereditary conditions. Routine care, such as vaccines and checkups, is often available as an add-on.

What’s usually not covered?

Pre-existing conditions are generally excluded. Many plans also exclude cosmetic procedures, breeding and pregnancy costs, and routine care unless you add a wellness plan. Coverage for behavioral treatment varies.

How much does pet insurance cost?

It depends on your pet’s species, breed and age, where you live, and the coverage you choose. Dogs usually cost more to insure than cats, and premiums tend to rise as pets get older.

Do all pet insurance plans have a deductible?

Most do. An annual deductible is paid once per policy year, while a per-condition deductible applies to each new issue. A higher deductible usually means a lower monthly premium.

Are pre-existing conditions covered?

Usually not. Conditions that showed signs before your policy started, or during the waiting period, are typically excluded. Some insurers may cover curable conditions that have fully healed, so check the policy details.

How do I file a claim?

After the vet visit, submit the itemized invoice to your insurer, usually online or through an app. Once the claim is approved, the reimbursement is sent to you.

Is pet insurance worth it?

It can be, especially if an unexpected vet bill would be hard to cover. It’s worth comparing what you’d pay in premiums with the cost of the care your pet might need.

Is there a waiting period before coverage starts?

Yes, most plans have a short waiting period after you enroll, and it’s often longer for illnesses than for accidents. The exact length depends on the insurer.

Can I customize my policy?

Many insurers let you choose your deductible, reimbursement rate and annual limit, and add extras such as wellness coverage.

Can I insure an older pet?

Often, yes. Some insurers have age limits for new enrollments, and premiums are usually higher for senior pets.

Are hereditary or congenital conditions covered?

Many comprehensive plans cover them as long as they aren’t pre-existing. Check the policy, since some plans limit or exclude this coverage.

What’s the difference between annual and lifetime limits?

An annual limit is the most a plan pays in a policy year and resets each year. A lifetime limit is the most it will ever pay over the life of the policy.

Can I insure more than one pet?

Yes. Many insurers let you cover several pets, and some offer a multi-pet discount.

What should I look for when choosing a plan?

Compare what’s covered and excluded, deductible options, reimbursement rates, annual limits, waiting periods and monthly cost, and check how easy it is to file a claim.

How do I cancel my policy?

Contact your insurer by phone, email or through your online account. Cancellation and refund rules vary, so review your policy terms first.