From quote to reimbursement, made simple

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.

A deductible is the amount you pay out of pocket each policy year before reimbursement kicks in. Ours range from $100 to $500. A higher deductible lowers your monthly premium; a lower deductible costs a bit more monthly but pays back sooner. We'll show you the trade-offs live in your quote so you can pick what fits your budget.

It varies by carrier. Accident coverage often begins within a few days (sometimes next-day), and illness coverage usually starts after about 14 days. Certain orthopedic conditions, like cruciate ligaments, can have a longer waiting period. We'll give you the exact start dates for the plan you choose before you enroll — no ambiguity.

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.

Most claims are submitted in under five minutes with a photo of your itemized invoice, and carriers typically process them within days to a couple of weeks. Signature-plan members get priority claims handling. If a claim is ever confusing, you call us — a real, licensed human — not a call-center maze.

Click Get My Quote, tell us your pet's species, breed, age, and ZIP, and set your coverage preferences. You'll see real plans and pricing in under two minutes — no account, no credit card, no obligation. Prefer to talk it through? Call (855) 729-2687 and a licensed agent will handle it with you.