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Pet Insurance Glossary
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- A
- Allowable Charges
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Allowable covered are covered costs considered reasonable for your geographic area. We use publicly available and
proprietary veterinary fee information to determine fair reasonable costs.
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- ASPCA
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The American Society for the Prevention of Cruelty to Animals® (ASPCA) was founded in 1866
as the first humane organization in the Western Hemisphere. The ASPCA is dedicated to putting an end to
animal cruelty. As part of their mission, they're also committed to helping pet parents protect their
pets with high quality pet insurance.
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- B
- Benefit Limits
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To keep premiums down, most pet insurance providers have limits on how much they'll reimburse per
incident, year, or over the lifetime of a pet. See our
comparison chart
for an overview of our pet insurance
limits.Top
- Benefit Schedule
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Some pet insurance providers pay claims based on a benefits schedule, which is a list of diagnoses
and corresponding reimbursement amounts. We reimburse 80% of allowable covered veterinary charges, rather
than using a benefits schedule. This makes it easier for you to understand how you're being reimbursed,
and gives you the opportunity for higher payouts. Top
- Billing Frequency
-
The number of times you pay your premium over a plan year. With our plans, you can pay monthly,
quarterly, semi-annually, or annually. If you pay annually, we'll waive the yearly $10.50 issuance
fee.Top
- C
- Claim
-
After your pet receives treatment, you submit a claim for reimbursement. We have a simple 1-page
claim form
that you'll need to fill out and then fax, email, or mail to us with your invoices. You can track the
status of your claims conveniently online at our free
Member Center.Top
- Congenital Condition
-
A condition that is considered a birth defect, or a defect in growth development. Congenital conditions
can show symptoms any time during a pet's life. Like most pet insurance providers, we do not cover these
conditions or problems directly related to them to keep premiums lower.Top
- Continuing Care
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Inexpensive optional coverage that can be added to Levels 2, 3, or 4 to give you extra protection for ongoing conditions.
Learn more.
Top
- D
- Deductible
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Like human health insurance, pet insurance typically has a deductible to keep premiums lower. The deductible is the amount for which the insured is
responsible before benefits apply. Our plans
have a low $100 deductible that only needs to be met once a year per pet, rather than per incident.
Top
- E
- Effective Date
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The day your coverage takes effect. Top
- G
- Genetic Condition
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A condition that is passed down through a pet's genes. Genetic conditions can show symptoms any time during a pet's
life. Like most pet insurance providers, we do not cover these conditions or problems directly related to them to
keep premiums lower.Top
- H
- Hereditary Condition
-
A condition that may have been passed down from an animal's parents or through the breed. Hereditary conditions can
show symptoms any time during a pet's life. Like most pet insurance providers, we do not cover these conditions or
problems directly related to them to keep premiums lower.Top
- I
- Issuance Fee
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Our pet insurance has a $10.50 yearly issuance fee, which is waived if you pay annually. The fee is not applicable in all states.Top
- L
- Lifetime Limit
-
The maximum amount covered over a pet's lifetime. Only our
Continuing Care
option has a lifetime limit. Levels 1 through 4 of our pet insurance have annual limits that reset
at the beginning of each plan year.
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- M
- Member Center
-
Our Member Center is a free online resource
where customers can easily track the status of their claims, edit contact and payment information, view billing details,
and see pet and plan information.Top
- O
- Ongoing Condition
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An illness or injury that occurs in one plan period, and needs continuing care in subsequent plan periods.
Our pet insurance does not cover ongoing conditions unless 180 days have passed since cure and last treatment.
However, you can add
Continuing Care
to Level 2,
3, or
4 to get uninterrupted coverage of ongoing conditions.
Top
- P
- Pre-existing Condition
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An illness or injury that shows symptoms, which may or may not have been diagnosed or treated, prior to a plan's
effective date. Like other pet insurance providers, we don't cover pre-existing conditions.
Top
- Per Incident Limit
-
The maximum amount covered for a particular accident or illness. See our
comparison chart
for an overview of our pet insurance limits.Top
- Pet Health Library
-
The Pet Health Library
contains useful articles and advice on pet health and pet insurance brought to you by the ASPCA.Top
- Pet Insurance
-
Insurance for your pet that helps you pay your veterinary bills. With our plans, you can cover your pet for accidents, illnesses, and wellness care. We also offer extra protection for long-term
or chronic conditions. Explore our coverage.
Top
- Premium
-
The amount you'll be charged for your pet insurance coverage. To find out how much it would cost to protect your pet with our pet insurance,
get a free quote now.
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- R
- Reasonable Costs
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The amount that is allowable or reasonable based on your geographic area. We use publicly
available and proprietary veterinary fee information to determine fair reasonable costs.
Top
- Reimbursement
-
The amount of money paid for a claim. Our pet insurance reimburses 80% of allowable covered charges after a low $100 annual deductible per pet.
Top
- W
- Waiting Period
-
An amount of time you may have to wait before a certain type of coverage starts. With our pet insurance, accident and wellness
coverage begin as soon as your plan takes effect. Illness coverage has a 30-day waiting period in some states.
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- Wellness Care
-
Routine preventive treatments, like vaccinations, annual check-ups, and dental cleanings. We believe that wellness care is
essential to keeping a pet healthy and happy, so we offer 2 levels of wellness care coverage for you to choose from.
Level 3 of our pet insurance covers essential wellness care, while
Level 4 covers a wider range of treatments.
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