• 90% coverage on all plans.
  • More expensive compared to other providers.
  • Offers vet direct pay.
  • Per incident deductible. (You'll need to pay for deductible everytime you file a claim).

Policy Coverage

  • Elbow and hip dysplasia.
  • Diabetes.
  • Upper respiratory infections.
  • Thyroid disease.
  • Vomiting.
  • Diarrhea.
  • Cough.
  • Change in weight.
  • Heart disease.
  • Nervous system issues.
  • Cataracts.
  • Liver disease.
  • Diagnostic tests.
  • Surgeries.
  • Hospital stays.
  • Medications.
  • Veterinary supplements.
  • Herbal therapy.
  • Prosthetic devices and carts.


  • Illnesses that occur or recur within the first 30 days from the policy enrollment date.
  • Pre-existing conditions.
  • Bilateral conditions presenting on one side of the body, if that condition was a pre-existing condition on the other side of the body (such as luxating patella or anterior cruciate ligament (ACL) weakness).
  • Wellness and preventive care (parasite control, spay/neuter, vaccinations).
  • Dental - Coverage for the cost of scaling, cleaning and polishing the teeth at any time, and for any reason.
  • Cosmetic Care.

Other things to know...

  • Claims processing time: up to 30 days.
  • 5-day waiting period for injuries.
  • 30-day waiting period for illnesses.
  • No wellness plan.
  • Doesn’t cover exam fees.
  • Per incident deductible. (You'll need to pay for deductible everytime you file a claim).
  • Allows up to a 20% increase on premiums from year to year (based on the state you live in).
  • The maximum age you can enroll your pet is 14 years old for cats and dogs.
  • Offers optional benefits for additional expenses that cover acupuncture, physical therapy, hydrotherapy and behavioral modification training and therapy
  • Hip dysplasia has no age restrictions.
  • Pet is covered in the U.S., Canada, Puerto Rico and Australia.