Vet bills covered. Belly rubs on you.
Pawllicy finds you the right accident & illness policy from A-rated carriers — and members who add a 24/7 telehealth vet membership can save on their premium, where available.
Free quote in under 2 minutes. No obligation, no spam.
The Pawllicy edge
Members who telehealth, save.
Virtual vet triage resolves many non-emergency worries without a costly clinic trip and catches problems early. Fewer big claims means carriers can price the policy lower — so we built that saving right into the plan. Think of it as the safe-driver discount, for pet parents.
Triage 24/7
A vet answers the 2am “is this an emergency?” question in minutes.
Fewer costly claims
Early answers avoid many unnecessary ER visits and catch issues sooner.
Lower premium
A healthier claims profile lets the carrier file a lower rate for members.
The telehealth member discount is an insurer-filed rating factor applied by the carrier where approved — not a rebate or coupon from Pawllicy. Availability and amount vary by state, plan, and carrier.
How it works
Coverage in four simple steps
No paperwork mazes, no networks, no jargon — just a clear path from quote to reimbursement.
Tell us about your pet
Species, breed, age, ZIP. A free quote takes under two minutes — no account, no credit card.
Compare A-rated carriers
We shop top-rated insurers for you and lay the plans side by side so you choose with confidence.
Enroll & activate telehealth
Pick your plan, add the telehealth membership to unlock your discount, and use any licensed vet.
Claim & get reimbursed
Pay your vet, snap the invoice, and get paid back up to 90% — usually within days.
What's covered
Clear on what you get — and what you don't
We believe honest coverage builds trust. Here's the plain-English breakdown, including the exclusions every pet insurer shares.
Covered
- Accidents & injuries
- Illnesses, big and small
- Surgery & hospitalization
- Diagnostics (bloodwork, X-rays, MRI)
- Cancer & chronic conditions
- Hereditary & congenital conditions
- Emergency & specialist care
- Prescription medications
Not covered
- Pre-existing conditions
- Cosmetic or elective procedures
- Breeding & pregnancy costs
- Grooming & food
- Experimental treatments
Enrolling early matters: once a condition appears, it becomes pre-existing. Some carriers cover a curable condition after a symptom-free period (often 180 days).
Plans & pricing
Three plans. One that fits your pet.
Every plan lets you use any licensed vet and cancel anytime. Toggle the telehealth member discount to see your potential savings.
Essential
Young, healthy pets and budget-minded parents who want core protection against the big, unexpected bills.
From price — illustrative sample, not a quote.
70%
Reimburse
$5,000
Annual limit
$500
Deductible
- Accident & illness coverage
- 70% reimbursement
- $5,000 annual limit
- $500 annual deductible
- Emergencies, surgery & hospitalization
- Diagnostics (bloodwork, X-rays, imaging)
- Use any licensed vet
- 24/7 telehealth triage access
- Eligible for Telehealth Member Discount (up to 5%)
- Cancel anytime
Complete
The sweet spot most dogs and cats land on — richer reimbursement with room for chronic, hereditary, and costly conditions.
From price — illustrative sample, not a quote.
80%
Reimburse
$15,000
Annual limit
$250
Deductible
- Everything in Essential
- 80% reimbursement
- $15,000 annual limit
- $250 annual deductible
- Exam & consultation fees included
- Hereditary & congenital conditions
- Cancer & chronic care
- Behavioral therapy
- Alternative & rehab therapies
- Prescription medications
- Telehealth Member Discount up to 8%
Signature
Maximum peace of mind — no annual cap, top reimbursement, and routine care folded right in.
From price — illustrative sample, not a quote.
90%
Reimburse
Unlimited
Annual limit
$250
Deductible
- Everything in Complete
- 90% reimbursement
- Unlimited annual limit
- $250 annual deductible
- Routine & wellness care (exams, vaccines, dental cleanings)
- Dental illness coverage
- End-of-life & bereavement support
- Priority claims concierge
- Highest Telehealth Member Discount (up to 10%)
- Fastest reimbursement handling
Why an agency
We shop the market so you don't have to
Pawllicy is a licensed independent agency — think of us as your pet-insurance broker who works for you, not the insurer.
Independent, not captive
We aren't owned by one insurer. We compare A-rated carriers and recommend what fits your pet — not what pays us most.
One quote, many carriers
Instead of filling out five sites, tell us once. We do the shopping and put the best options side by side.
A human in your corner
US-based licensed advisors help you choose, and stay with you through renewals and claims. Real people, not a phone maze.
A discount others don't offer
Our telehealth member discount rewards prevention — a saving national carriers simply don't build in.
How reimbursement works
Pay your vet, get paid back
Pet insurance is reimbursement-based: you settle the bill at the clinic, snap a photo of the invoice, and your carrier pays you back a percentage after your deductible.
- Use any licensed vet — no networks, no referrals
- Submit a claim in minutes from your phone
- Get 70–90% back, depending on your plan
- Priority handling on our Signature plan
Example: a $2,000 covered bill on Complete
80% reimbursement, $250 deductible already met
You pay
$400
Back to you
$1,600
Actual reimbursement depends on your plan, deductible, coinsurance, and annual limit. Figures are illustrative.
The math of waiting
Care should be a decision about your pet — not your bank balance
~$1.20
a day for peace of mind
Essential plan, sample rate
1 in 3
pets needs unexpected care each year
Industry estimate
$1,500–5,000
typical emergency surgery
Before insurance
up to 90%
of covered bills reimbursed
On eligible plans
Dog insurance
From bouncy puppies to grey-muzzled seniors — coverage for the accidents, illnesses, and breed-specific conditions dogs are prone to.
- Any breed, any age
- Hip dysplasia & cruciate care
- Emergency & specialist visits
Cat insurance
Indoor or outdoor, kitten to senior — protection for the sneaky illnesses and accidents cats are famous for hiding until it's serious.
- Kitten to senior cats
- Urinary & dental illness
- Diagnostics & bloodwork
What it feels like
Peace of mind, in their words
Illustrative examples of the moments coverage is built for.
“Biscuit swallowed a sock and needed surgery. The bill was $3,200 — I got most of it back and barely thought about the cost. That's exactly why I signed up.”
“I use the telehealth vet constantly for the little 'is this normal?' moments, and it knocked money off my premium. Feels like being rewarded for being a careful pet parent.”
“A real person walked me through the plans instead of a chatbot. I picked Complete for my senior lab and finally stopped losing sleep over 'what if.'”
Sample stories shown for illustration only and do not reflect specific customers. Individual results vary.
Questions, answered
The things pet parents ask us most
Pawllicy is a licensed, independent insurance agency — a producer, not an underwriter. We don't issue policies ourselves; we compare top-rated carriers and place you with the best fit, then stay on your side for claims and renewals. That independence means we recommend what's right for your pet, not what's right for one carrier.
It's a premium rating factor of up to 10%, applied by the insurer, for members who add our partner telehealth vet service. Virtual triage resolves many non-emergency concerns without a costly clinic visit, which lowers claims risk — so the carrier can price the policy lower. To qualify, enroll in any plan, activate the telehealth benefit, and stay an active member. The discount scales with your plan tier and is available where the carrier has filed it.
Pet insurance is reimbursement-based. You pay your vet at checkout, then submit the itemized invoice. Your carrier pays you back a percentage — 70%, 80%, or 90% depending on your plan — after your deductible is met, up to your annual limit. For example, on the Complete plan a $2,000 covered bill with the deductible already met reimburses $1,600, leaving you $400 out of pocket.
No — pre-existing conditions (anything your pet showed signs of before coverage started or during the waiting period) are excluded across the industry. That's exactly why enrolling early matters. The good news: some carriers will cover a curable pre-existing condition once your pet has been symptom- and treatment-free for a set period, often 180 days. We'll flag which carriers do that.
Yes. Every plan we place lets you visit any licensed veterinarian in the U.S., including emergency hospitals and specialists. There are no networks and no referrals required — you choose the vet, we help you get reimbursed.
If a surprise $4,000 emergency would strain your savings, it usually is. About one in three pets needs unexpected vet care each year, and a single emergency surgery can run $1,500–$5,000+. Insurance turns that into a manageable copay so care is a decision about your pet, not your bank balance — and the Telehealth Member Discount makes it more affordable still.
Ready to protect your best friend?
Get a free, no-obligation quote and see your telehealth member savings in real time. Prefer to talk it through? A licensed advisor is a call away.
Licensed in Florida, Virginia, New York. No obligation, no spam.