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About Our Coverage

• How It Works
• What's Not Covered
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• Sample Plans
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How Our Pet Insurance Works

1. Get Treatment

   Go to ANY licensed vet in
   the US or Canada and pay
   for services.

2. File a Claim

   Fill out our simple 1-page claim form with your receipts. You can fax, email, or mail it to us.

3. Get Reimbursed

   You'll get back 80% of allowable covered charges after you meet a low $100 annual deductible.

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 "allowable" covered charges?

It's easy to customize your coverage by choosing the level of pet insurance protection that works for you. All levels reimburse 80% of allowable covered veterinary charges, after a low $100 annual deductible per pet. Allowable covered charges are covered costs considered reasonable for your geographic area. We use publicly available and proprietary veterinary fee information 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 allowable 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