Annual Coverage Limit – The total amount you can be reimbursed over one 12-month policy period.

This limit resets whenever a new policy period begins.

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Deductible - The amount you must satisfy for covered veterinary expenses before you can start being reimbursed.

You can select a deductible of $100, $250, or $500. You'll only need to satisfy it once per 12-month policy period.

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Reimbursement Percentage - The percentage of covered costs paid back to you after your deductible is satisfied.

You can choose to be reimbursed 90%, 80%, or 70% of your vet bill.

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Here's a list of ligament and knee conditions for your reference:

• Anterior cruciate ligament (ACL)
• Cranial cruciate ligament (CCL)
• Lateral collateral ligament (LCL)
• Medial collateral ligament (MCL)
• Medial patella luxation (MPL)
• Lateral patella luxation (LPL)
• Meniscal damage

If your pet has no history of knee or ligament conditions prior to enrolling, any they may have once their coverage takes effect would be eligible for coverage.

If your pet does have a history of knee or ligament conditions prior to enrolling, future ones won’t be eligible for coverage.

Waiting Period – The amount of time that must pass before coverage can start. Waiting periods only apply in the first 12-month plan period.

Conditions that show symptoms before the plan's effective date or during a waiting period are considered pre-existing and ineligible for coverage. However, an injury or illness that is cured and free of treatment and symptoms for 180 days will no longer be regarded as pre-existing. See all of our waiting periods below.

Waiting Period Breakdown

Accidents & Injuries Excluding ligament and knee injuries	No waiting period
Preventive Care	No waiting period
Ligament and knee injuries	14-day waiting period
Illnesses	14-day waiting period
Hereditary and congenital conditions	14-day waiting period

Like all pet insurance providers, we have exclusions.

Pre-existing Conditions (?)

No pet insurance provider covers pre-existing conditions, which are conditions that occur before coverage begins or during a waiting period. However, we will no longer consider a condition to be pre-existing if it has been cured and free of symptoms and treatment for 180 days, with the exception of knee and ligament conditions. If a knee or ligament condition occurs before the coverage effective date or during a waiting period, any future ones won’t be covered.

Cosmetic Procedures

Our plans do not cover elective procedures, such as tail docking, ear cropping, and claw removal.

Breeding Costs

Our plans do not cover costs associated with breeding or pregnancy.

Preventive Care

Coverage for preventive care, like annual wellness exams, vaccines, and screenings, is not included in this plan. You can add preventive care coverage for a little more per month after you select your base plan.

View our full list of exclusions

We’ll text you a link to your saved quote so you can easily return to it right from your phone. After enrollment, we’ll send you texts regarding your policy and claim submissions.

Providing your contact information allows us to save your quote so you can come back to it later. We’ll send you an email with a link to your saved quote. You can opt out of receiving our communications at any time.

This is the 3 or 4 digits usually found on the signature strip of your card.

There is a transaction fee for each monthly payment. The fee will be waived if you choose to pay annually.

There is a transaction fee for each monthly payment.

With automatic bill pay, you won’t have to worry about remembering to make a payment. Just enter your checking account number and routing number to set it up.

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Preventive Coverage is not included in the Trial of Insurance because it’s an optional endorsement to our plans. Only your plan will have no payment due for the first 30 days of your 12-month plan period.

Wellness is offered as an add-on to our plans to help cover your pet's preventative care. You’ll be able to add it for as little as $10 a month after you make your plan selection.

Wellness coverage is not included in the Trial of Insurance, so payment will be due for it today.

To enroll in this trial of insurance without providing payment information, just call 1-877-343-6281.

To avoid an accidental lapse of coverage when the Trial of Insurance ends, you can provide your payment information now and we’ll set up automatic bill pay. After the first 30 days, your 12-month plan will continue at the premium quoted.

If you change your mind about having coverage, you may cancel at any time.

Racing/ race training includes training and competition for flat racing, jump racing, harness racing, and endurance racing.

We will not pay for expenses related to any illness.

We will not pay for costs associated with or resulting from the following:

• Aesthetic, cosmetic, endodontic, or orthodontic dental services such as caps, crowns or crown amputation, fillings, implants and root canals or planing.
• Anal sac (gland) expression and/or resection when no infection or disease is present.
• Boarding.
• Breeding, pregnancy, whelping or nursing.
• Conditions that occur during a waiting period.
• Cosmetic and elective prostheses or procedures (including but not limited to claw removal, ear cropping and tail docking).
• Dental cleanings unless used to treat a covered illness or covered by an applicable endorsement.
• Experimental or investigational treatment or medication (including clinical trials) that is not generally accepted in the veterinary medical community as effective or proven.
• Funeral services, memorial items, urns, caskets, or burial plots/fees.
• Grooming or grooming supplies (including but not limited to non-prescription baths, ear cleanings, non-prescription shampoos and nail trims).
• Herbs.
• House call fees, time and travel expenses to and from the veterinarian's premises or hospital.
• Illness or injury that results from intentional, malicious, or grossly negligent activities or from failure to perform actions commonly accepted as responsible pet care by you, a member of your household or a caregiver for your pet.
• Ligament and knee conditions, if any ligament and knee condition occurred prior to the first effective date of the applicable coverage or during a waiting period.
• Non-medical supplies such as but not limited to toys, leashes, ramps, bedding or other devices intended to prevent injury or illness, but that do not treat a condition.
• Non-veterinary services (including but not limited to administrative fees, medical records expenses, medical waste, discount package or membership fees, postage and tax).
• Organ or heart valve transplants.
• Pre-existing conditions that occurred on or before the first effective date of the applicable coverage or during a waiting period.
• Prescription food, pet food, commercial diets or treats used for prevention or general health maintenance (including weight loss) even if prescribed, dispensed, or recommended by a veterinarian; including foods such as life stages (puppy, senior, etc.), low calorie, sensitive stomach, or limited ingredients.
• Preventive care without an occurrence (including but not limited to general health maintenance diagnostics, laboratory procedures, medications, physical examinations and surgery) unless covered by an applicable endorsement.
• Supplements and vitamins used for prevention or general health maintenance (including weight loss) even if prescribed or dispensed by a veterinarian.
• Training or training devices.
• Treatment when the veterinarian conducting or supervising is you or a co-owner on your account.
• Treatment arising from avian influenza; intentional slaughter by, or under, the order of any government or public or local authority; epidemics or pandemics as declared by the U.S. Department of Agriculture; nuclear reaction, radiation, radioactive contamination or the discharge of a nuclear device, whether controlled or uncontrolled, accidentally or otherwise; chemical, biological, bio-chemical or electromagnetic weapon, device, agent or material whether controlled or uncontrolled, accidentally or otherwise; war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped, strikes, riots, or civil commotion and terrorism.
• Veterinary expenses related to coursing, organized fighting, law enforcement or guarding, personal protection or racing.

We will not pay for costs associated with or resulting from the following:

• Aesthetic, cosmetic, endodontic, or orthodontic dental services such as caps, crowns or crown amputation, fillings, implants and root canals or planing.
• Anal sac (gland) expression and/or resection when no infection or disease is present.
• Boarding.
• Breeding, pregnancy, whelping or nursing.
• Conditions that occur during a waiting period.
• Cosmetic and elective prostheses or procedures (including but not limited to claw removal, ear cropping and tail docking).
• Dental cleanings unless used to treat a covered illness or covered by an applicable endorsement.
• Experimental or investigational treatment or medication (including clinical trials) that is not generally accepted in the veterinary medical community as effective or proven.
• Funeral services, memorial items, urns, caskets, or burial plots/fees.
• Grooming or grooming supplies (including but not limited to non-prescription baths, ear cleanings, non-prescription shampoos and nail trims).
• Herbs.
• House call fees, time and travel expenses to and from the veterinarian's premises or hospital.
• Illness or injury that results from intentional, malicious, or grossly negligent activities or from failure to perform actions commonly accepted as responsible pet care by you, a member of your household or a caregiver for your pet.
• Ligament and knee conditions, if any ligament and knee condition occurred prior to the first effective date of the applicable coverage or during a waiting period.
• Non-medical supplies such as but not limited to toys, leashes, ramps, bedding or other devices intended to prevent injury or illness, but that do not treat a condition.
• Non-veterinary services (including but not limited to administrative fees, medical records expenses, medical waste, discount package or membership fees, postage and tax).
• Organ or heart valve transplants.
• Pre-existing conditions that occurred on or before the first effective date of the applicable coverage or during a waiting period.
• Prescription food, pet food, commercial diets or treats used for prevention or general health maintenance (including weight loss) even if prescribed, dispensed, or recommended by a veterinarian; including foods such as life stages (puppy, senior, etc.), low calorie, sensitive stomach, or limited ingredients.
• Preventive care without an occurrence (including but not limited to general health maintenance diagnostics, laboratory procedures, medications, physical examinations and surgery) unless covered by an applicable endorsement.
• Supplements and vitamins used for prevention or general health maintenance (including weight loss) even if prescribed or dispensed by a veterinarian.
• Training or training devices.
• Treatment when the veterinarian conducting or supervising is you or a co-owner on your account.
• Treatment arising from avian influenza; intentional slaughter by, or under, the order of any government or public or local authority; epidemics or pandemics as declared by the U.S. Department of Agriculture; nuclear reaction, radiation, radioactive contamination or the discharge of a nuclear device, whether controlled or uncontrolled, accidentally or otherwise; chemical, biological, bio-chemical or electromagnetic weapon, device, agent or material whether controlled or uncontrolled, accidentally or otherwise; war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped, strikes, riots, or civil commotion and terrorism.
• Veterinary expenses related to coursing, organized fighting, law enforcement or guarding, personal protection or racing.

We will not pay for expenses related to any illness.

We will not pay for costs associated with or resulting from the following:

• Alternative Therapy.
• Arthritis, navicular disease or degenerative joint disease.
• Behavioral Therapy.
• Boarding.
• Breeding, pregnancy or foaling.
• Burial, cremation, disposal or necropsy.
• Cosmetic, elective, voluntary or maintenance related prosthesis, procedure or treatment including but not limited to bone chip or cyst surgery, castration, Caslick’s procedure, neurectomy, periosteal elevation , tail docking or blocking and wind infirmity procedures such as tie-back, hobday or laryngoplasty.
• Experimental or investigational treatment or medication (including clinical trials) that is not generally accepted in the veterinary medical community as effective and proven.
• Dental cleaning or floating unless used to treat a covered illness or accident or covered by an applicable endorsement; aesthetic, cosmetic, endodontic, or orthodontic dental services.
• Farm call fees, time and travel expenses to and from the veterinarian's premises or hospital.
• Food, vitamins, supplements (herbal, nutritional, joint, or other) and weight loss medication, including those that a veterinarian prescribes or are administered while your horse is hospitalized.
• Grooming or grooming supplies (including but not limited to sheath cleanings, non-prescription shampoos or fly spray).
• Hoof trimming, shoeing or supplies.
• Illness or injury that results from illegal, unethical, intentional, malicious, or grossly negligent activities or from failure to perform actions commonly accepted as responsible horse care by you, a member of your household or a caregiver for your horse.
• Joint injections and joint related medication whether administered via intra-articular, intramuscular, intravenous or oral means, including but not limited to polysulfated glycosaminoglycans, hyaluronic acid, nonsteroidal anti-inflammatory drugs, synovial fluid stimulators and/or replacers, corticosteroids and/or anabolic steroids.
• Non-medical supplies such as but not limited to toys, training devices, grazing muzzles and cribbing collars.
• Non-veterinary services (including but not limited to administrative fees, medical records expenses, medical waste, postage and tax).
• Organ transplants.
• Pre-existing Conditions that occurred on or before the first effective date of the applicable coverage or during a waiting period.
• Preventive Care without an occurrence (including but not limited to deworming, general health diagnostics, laboratory procedures, medications, physical examinations and surgery).
• Regenerative Therapy.
• Treatment when the veterinarian conducting or supervising is you or a co-owner on your account.
• Treatment arising from avian influenza; intentional slaughter by, or under, the order of any government or public or local authority; epidemics or pandemics as declared by the U.S. Department of Agriculture; nuclear reaction, radiation, radioactive contamination or the discharge of a nuclear device, whether controlled or uncontrolled, accidentally or otherwise; chemical, biological, bio-chemical or electromagnetic weapon, device, agent or material whether controlled or uncontrolled, accidentally or otherwise; war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped, strikes, riots, or civil commotion and terrorism.
• Veterinary expenses related to racing or race training.

We will not pay for costs associated with or resulting from the following:

• Alternative Therapy.
• Arthritis, navicular disease or degenerative joint disease.
• Behavioral Therapy.
• Boarding.
• Breeding, pregnancy or foaling.
• Burial, cremation, disposal or necropsy.
• Cosmetic, elective, voluntary or maintenance related prosthesis, procedure or treatment including but not limited to bone chip or cyst surgery, castration, Caslick’s procedure, neurectomy, periosteal elevation , tail docking or blocking and wind infirmity procedures such as tie-back, hobday or laryngoplasty.
• Experimental or investigational treatment or medication (including clinical trials) that is not generally accepted in the veterinary medical community as effective and proven.
• Dental cleaning or floating unless used to treat a covered illness or accident or covered by an applicable endorsement; aesthetic, cosmetic, endodontic, or orthodontic dental services.
• Farm call fees, time and travel expenses to and from the veterinarian's premises or hospital.
• Food, vitamins, supplements (herbal, nutritional, joint, or other) and weight loss medication, including those that a veterinarian prescribes or are administered while your horse is hospitalized.
• Grooming or grooming supplies (including but not limited to sheath cleanings, non-prescription shampoos or fly spray).
• Hoof trimming, shoeing or supplies.
• Illness or injury that results from illegal, unethical, intentional, malicious, or grossly negligent activities or from failure to perform actions commonly accepted as responsible horse care by you, a member of your household or a caregiver for your horse.
• Joint injections and joint related medication whether administered via intra-articular, intramuscular, intravenous or oral means, including but not limited to polysulfated glycosaminoglycans, hyaluronic acid, nonsteroidal anti-inflammatory drugs, synovial fluid stimulators and/or replacers, corticosteroids and/or anabolic steroids.
• Non-medical supplies such as but not limited to toys, training devices, grazing muzzles and cribbing collars.
• Non-veterinary services (including but not limited to administrative fees, medical records expenses, medical waste, postage and tax).
• Organ transplants.
• Pre-existing Conditions that occurred on or before the first effective date of the applicable coverage or during a waiting period.
• Preventive Care without an occurrence (including but not limited to deworming, general health diagnostics, laboratory procedures, medications, physical examinations and surgery).
• Regenerative Therapy.
• Treatment when the veterinarian conducting or supervising is you or a co-owner on your account.
• Treatment arising from avian influenza; intentional slaughter by, or under, the order of any government or public or local authority; epidemics or pandemics as declared by the U.S. Department of Agriculture; nuclear reaction, radiation, radioactive contamination or the discharge of a nuclear device, whether controlled or uncontrolled, accidentally or otherwise; chemical, biological, bio-chemical or electromagnetic weapon, device, agent or material whether controlled or uncontrolled, accidentally or otherwise; war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped, strikes, riots, or civil commotion and terrorism.
• Veterinary expenses related to racing or race training.

Policy Effective Date

This is the date when your coverage begins.

Accident & Illness Effective Date

Coverage for accidents and illnesses begins 14 days after your coverage effective date. This means any accident or illness that occurs during the 14-day waiting period is ineligible.

Preventive Care Effective Date

There is no waiting period for preventive care coverage, so it will begin on the same day as your base plan coverage effective date.

• If you think you know your pet’s breed, you can select the breed closest to what you believe your pet could be.
• If your pet is a Mixed Breed and you know at least one of the breeds, you can search for that breed and choose one of the 'Mix' options, such as ‘Shepherd Mix’ or ‘Husky Mix.’
• If you are unsure about your pet’s breed or they do not have one breed that stands out, type “Mixed Breed” into the search bar and select your pet’s size.