• Cheaper rate when compared to other insurance providers.

Policy Coverage

  • Cancer treatment including chemotherapy.
  • Chronic conditions (such as allergies).
  • Congenital conditions.
  • Dental trauma.
  • Exam fees.
  • Genetic conditions (such as hip dysplasia).
  • Prescription drug coverage.
  • Allergy testing.
  • Alternative therapies (such as acupuncture).
  • CT scans, MRIs, X-rays, & ultrasounds.
  • General, specialist, & emergency care.
  • Hospitalization & surgery.
  • Lab tests & biopsies.
  • Physical therapy (such as hydrotherapy).


  • Routine veterinary care.
  • Pre-existing conditions.
  • Breeding, whelping, & pregnancy.
  • Injury caused deliberately by you or any other person residing in your home
  • DNA testing or cloning.
  • Injury or illness resulting from fighting, racing**, cruelty, or neglect.
  • Cosmetic procedures such as tail docking, ear cropping, & dew claw removal unless medically necessary.
  • Avian flu or nuclear war.

Other things to know...

  • Claims processing time: 10 - 15 days
  • Optional Wellness Plan.
  • 10% Multi-pet.
  • 2-day waiting period for accidents (14 days in some states).
  • 14-day waiting period for illness coverage.
  • 6-month waiting period for orthopedic conditions, but can be reduced to 14 days through its Orthopedic Exam and Waiver Process.
  • 5% Military Discount.
  • Does not cover your pet if they travel outside the U.S. with you.
  • Only covers pets aged 14 and younger for illness (accident only may be available for ages 15+).
  • Does not cover your pet if they travel outside the U.S. with you.