Pet Insurance

Protect your pet and your budget

Benefits

Take care of your four-legged family member

Get to the vet, no matter where you are

Pet insurance provides access to general, specialist and emergency vets worldwide.

File minimal paperwork

Get reimbursed quickly and seamlessly with minimal paperwork involved.

Get a discount

Policy discounts may be available for military personnel, multiple pets, and spayed or neutered pets.

My Insurance Center

Get 24/7 insurance access from any device

File a claim and upload photos

Access your auto ID cards

Update driver and vehicle status

My Insurance Center

Get 24/7 insurance access from any device

File a claim and upload photos

My Insurance Center

Get 24/7 insurance access from any device

Access your auto ID cards

My Insurance Center

Get 24/7 insurance access from any device

Update driver and vehicle status

Umbrella Policy

Cover the unexpected

Add a layer of coverage to your main policy for additional protection.

Cash Back Credit Card

Cash back rules

Earn unlimited cash back and pay no annual fee with our Cash Back Rewards Visa credit card.
Insights

People often ask us

Items that can be reimbursed through Wellness Rewards include, but isn't limited to:

  • Wellness exams
  • Vaccinations and titers
  • Flea, tick and heartworm medication
  • Spay and neuter surgery
  • Fecal exams
  • Routine blood tests
  • Microchipping
  • Umbilical hernia repair
  • Gastropexy
  • Toe nail trimming
  • Routine anal gland expression
  • Routine chiropractic care, reiki, massage therapy and acupuncture
  • Teeth cleaning and dental illness
  • Prescription diet food purchased at your veterinarian
  • OFA and PennHIP exams, and X-rays
  • Nutritional supplements
  • Medicated shampoos
  • Behavioral, obedience and specialty training
  • Pet activity monitors
  • Grooming
  • Cremation and burial

Unlike human health insurance, pet insurance has no networks. Because it works based on a reimbursement method, you pay the vet directly, submit your claim and we pay you back. You can visit any veterinarian, specialist or emergency hospital you like.

Yes. We'll never drop your pet or reduce their coverage based on age, health status or claims you’ve filed. Once you’re signed up, we don't cancel coverage for anything other than non-payment of premium.

You can downgrade your coverage at any time. Downgrading your coverage means anything that gives you less coverage. This could include lowering your annual maximum, lowering your reimbursement rate or increasing your deductible. You can also upgrade your coverage at any time. However, your policy would be subject to re-underwriting which is basically like getting a brand new policy. You would have new waiting periods and any accident or illness that started before your upgrade date (whether a claim was submitted and covered for it or not) would be considered pre-existing.

The deductible is the amount that you're responsible for before reimbursements start. Like most other types of insurance, you're responsible for part of the cost. Our deductible is annual which means you only have to meet your deductible once per policy term—not every vet visit, or once for every different type of condition, which is how some pet insurance companies operate.

With Healthy Pet Deductible, your pet's annual deductible is automatically reduced by $50 each year that you don't receive a claim reimbursement. Healthy Pet Deductible is included with every policy at no extra charge. Once your pet's deductible decreases to $0, that's as low as it can go. We'll automatically apply any Healthy Pet Deductible credits you've earned when you're eligible for reimbursement. Once you receive an accident or illness claim reimbursement greater than your current Healthy Pet Deductible credit, the Healthy Pet Deductible credit resets to zero for your next policy year.

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Insurance products are not insured by the FDIC or any federal government agency and are not a deposit or other obligation of, or guaranteed by, any bank or bank affiliate.