Frequently Asked Questions

Pet insurance works on a reimbursement model. You pay your vet bill upfront, then submit a claim to us with your receipts and medical records. We'll review your claim and reimburse you based on your plan's coverage percentage, typically within 24-48 hours. This system ensures you can get immediate care for your pet while we handle the paperwork and reimbursement process.

Waiting periods are the time between when your policy starts and when certain coverage begins. Accidents are covered immediately, but illnesses typically have a 14-day waiting period. Pre-existing conditions are never covered. Some plans may have longer waiting periods for specific conditions like cruciate ligament injuries (6 months) or hip dysplasia (12 months).

Our comprehensive plans cover accidents, illnesses, emergency care, surgeries, diagnostic tests, prescription medications, and specialist treatments. We also offer optional wellness plans that cover routine care like vaccinations, check-ups, dental cleanings, flea/tick prevention, and spay/neuter procedures. Coverage varies by plan level.

Yes! Pet insurance provides peace of mind and financial protection. With veterinary costs rising, a single emergency can cost thousands. Our customers typically save 70-90% on their vet bills, making quality care affordable when your pet needs it most. It's especially valuable for young pets and breeds prone to hereditary conditions.

Our plans start as low as $15/month for cats and $25/month for dogs. The exact cost depends on your pet's age, breed, location, and the coverage level you choose. Premiums may increase as your pet ages, but we offer multi-pet discounts and annual payment options for additional savings.

Pre-existing conditions, cosmetic procedures, breeding costs, and routine wellness care (unless you have a wellness plan) are typically not covered. Some plans also exclude certain hereditary conditions, behavioral issues, or alternative therapies. Always read your policy details carefully to understand exclusions.

Filing a claim is simple! After your vet visit, submit your claim through our online portal or mobile app. Include your vet's invoice, medical records, and any diagnostic test results. You can also submit claims by mail. Most claims are processed within 24-48 hours, and reimbursements are sent via direct deposit or check.

We process most claims within 24-48 hours. Once approved, reimbursements are typically sent within 3-5 business days via direct deposit or 7-10 business days via check. You can track your claim status in real-time through your online account.

Accident-only coverage protects against injuries from accidents like car crashes, falls, or fights. Comprehensive coverage includes both accidents and illnesses like cancer, diabetes, or infections. Comprehensive plans offer broader protection but cost more. Choose based on your pet's age, health, and your budget.

Yes! Our comprehensive plans cover prescription medications prescribed by your veterinarian for covered conditions. This includes both short-term medications (like antibiotics) and long-term medications (like insulin for diabetes). Some plans also cover prescription food for medical conditions.

Yes, you can insure older pets! While premiums are higher for senior pets, coverage is still available. We recommend starting coverage when pets are young to lock in lower rates and avoid pre-existing condition exclusions. Some plans have age limits, typically around 14 years for dogs and 16 years for cats.

Hereditary conditions are covered under comprehensive plans, but there may be waiting periods (typically 12 months) and breed-specific exclusions. Conditions like hip dysplasia, heart disease, and certain cancers are covered if they develop after the waiting period. Check your policy for specific breed exclusions.

Basic dental procedures like cleanings and extractions are covered under wellness plans. Advanced dental work (like root canals) may be covered under comprehensive plans if it's due to an accident or illness. Routine dental care is typically not covered under basic accident/illness plans.

Some plans include coverage for alternative therapies like acupuncture, chiropractic care, hydrotherapy, and physical therapy when prescribed by a veterinarian for covered conditions. Coverage varies by plan, so check your policy details or ask our team about specific therapies.

Yes! Emergency vet visits are covered under all our plans. This includes after-hours care, emergency surgeries, diagnostic tests, and hospitalization. Emergency care is one of the most valuable aspects of pet insurance, as these visits can be extremely expensive.

Yes, you can modify your plan during your annual renewal period. You can increase or decrease coverage levels, add wellness coverage, or adjust deductibles. Changes take effect at your next renewal date. Contact our customer service team to discuss plan modifications.

We offer a grace period for missed payments. If payment isn't received within 30 days, your policy may be cancelled. You can reinstate coverage within 60 days without losing your waiting periods, but any claims during the lapse period won't be covered.

Yes! We offer discounts for insuring multiple pets. The discount increases with each additional pet, typically 5-10% off for 2 pets and 10-15% off for 3+ pets. All pets must be on the same policy to qualify for multi-pet discounts.

Yes, you can cancel your policy at any time. There are no cancellation fees, and you'll receive a prorated refund for any unused premium. However, if you cancel and re-enroll later, you'll need to serve waiting periods again and any pre-existing conditions won't be covered.

We offer monthly, quarterly, and annual payment options. Annual payments typically offer a discount of 5-10%. We accept all major credit cards, debit cards, and bank transfers. You can also set up automatic payments to ensure your coverage never lapses.