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Pet insurance is designed to protect your furry, feathered, and scaly friends. After all, they are a part of your family too. These health plans are designed to alleviate the costs associated with veterinary expenses by reimbursing you for eligible visits. The deductible, percentage of reimbursement and eligibility is dictated by the plan you choose.


Most Pet Insurance companies offer three types of plans.

Accident Only Plan:  As the name implies, this plan will only reimburse you for eligible vet bills related to accidents. Qualifying accidents include:

  • Toxin Ingestion

  • Lacerations & Bites

  • Sprains

  • Broken Bones

Accident & Illness Plan: This plan additionally covers your pet in the event it becomes sick or develops a condition. Please note that majority of pet insurance companies will not cover pre-existing conditions. Qualifying Illnesses include:

  • Cancer

  • Arthritis

  • Hypothyroidism

  • Ear Infections

  • Digestive Problems

  • Urinary Tract Infections

  • Allergies

Preventative Care or Routine Wellness Plan is an optional add-on coverage offered by some carriers. Preventative plans additionally reimburse you for:

  • Vaccines

  • Flea & Tick Medication

  • Heartworm Prevention

  • Dental Cleanings

  • Spay/Neuter


What Will Most Plans Not Cover?

  • Pregnancy & Breeding

  • Any cosmetic procedures

  • DNA testing

  • Accidents and illnesses caused by fighting, racing, cruelty, or neglect 

  • Elective procedures

  • Preventative procedures

  • Experimental treatments


  1. Schedule a vet appointment for the insured pet.

  2. Take your pet to see the veterinarian.

  3. Pay for the veterinarian bills in full and keep it as proof for your claim.

  4. File a claim through the pet insurer’s mobile app or website and include a copy of the bill.

  5. The pet insurance company will review the claim and mail or direct deposit your allowable reimbursement.

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