Complete Coverage

Each type of coverage includes exam fees, diagnostics, and treatment. We cover even the most advanced treatments, like chemotherapy and surgery, and some you do not expect such as stem-cell therapy and acupuncture, so you can follow your vet's recommendations with less worry about cost


Accident coverage will take care of costs for injuries and emergencies related to accidents, like torn ligaments, bite wounds, cute, broken bones, lodged foreign object, and toxic ingestions.


With illness coverage, you'll be reimbursed for the cost of major and minor illnesses, such as cancer, arthritis, allergies, hypothyroidism, digestive problems, and UTI's.

Hereditary & Congenital Conditions

This coverage is for the cost of inherited conditions and birth defects that don't show symptom until later in your pet's life, like heart disease, IVDD, eye disorders, and hip dysplasia.

Behavioral Issues

Behavioral issues coverage can help with the costs of vet visits for concerning behaviors that may be related to anxiety or compulsive behavior, like excessive licking, fur pulling, and destruction of the home.

With Complete CoverageSM, you can choose the care you want when your pet is hurt or sick and take comfort in knowing they have coverage

Waiting periods

Accident coverage, with the exception of coverage for ligament issues and knee conditions, will start on the effective date of the policy

Coverage for illness, ligament issues, and knee conditions starts on the 15th day after the polocy effective date.

Whats not covered

like all pet insurance providers, we have exclusions. View a sample policy for the full list

Pre-existing Conditions

No pet insurance provider covers a pre-existing condition, which are conditions that occur before coverage begins or during a waiting period. However, an injury or illness that is cured and free of treatment and symptoms for 180 days will no longer be regarded as pre-existing.

Cosmetic Procedures

Our plans do not cover elective procedures, such as tail docking, ear cropping, and claw remova.

Preventive Care

Coverage for preventive care, like annual wellness exams, vaccines, and screenings, is not included in this plan. You can add preventive care coverage for a little more per month after you select your base plan