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How Our Pet Insurance Works
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Get Treatment
Go to ANY licensed vet in
the US or Canada and pay
for services.
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File a Claim
Fill out our simple 1-page claim form with your receipts. You can fax, email, or mail it to us.
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Get Reimbursed
You'll get back 80% usual and customary covered charges after a low $100 annual deductible per pet.
Top 5 Questions About Our Pet Insurance
1. Can I stay with my veterinarian?
Yes! We wouldn't want you to have to change veterinarians. In fact, with our pet insurance, you
can use ANY licensed veterinarian in the US or Canada. This way, your pet is also covered if
you're travelling.
2. How do I submit a pet insurance claim?
It's easy! All you have to do is fill out our 1-page
claim form,
then fax, mail, or email it to
us with your receipts. Just make sure you sign the form
3. How long does it take to get reimbursed?
We work hard to process our pet insurance claims quickly, but turnaround time can vary depending
on how many claims we're working on. We review every claim thoroughly. Reimbursement will be made to you
within 30 days from receipt of all required information.
4. What are "usual and customary covered charges"?
These are veterinary costs covered by your pet insurance plan and considered reasonable in areas similar to yours. We use available industry and proprietary data to determine fair reasonable costs.
5. How does the deductible work?
Our pet insurance has a low $100 deductible per pet that only needs to be met once a year, rather than per incident. So, for example, if the first claim of your plan year had a total of $250 in usual and customary covered charges, you would be responsible for the first $100 to meet the deductible. We would then reimburse you for 80% of the remaining $150.
More Frequently Asked Questions
Help the ASPCA Fight Animal Cruelty
By protecting your pet at home, you'll be helping animals across the country! That's because every plan that's purchased benefits the ASPCA.
