Pet Insurance

Pet insurance is a type of insurance policy for your companion animals (dogs, cats and sometimes other pets) that helps reimburse you for veterinary costs when your pet is hurt or becomes ill.

Unlike typical human health insurance, you often pay the veterinarian up front and then submit a claim to the insurance provider for reimbursement.

• Veterinary care is increasingly expensive (advanced diagnostics, surgeries, etc.).

• An unexpected accident or illness can lead to large bills — insurance gives you more financial flexibility.

• It can help you focus on your pet’s health rather than just cost.

Coverage varies by plan and provider, but generally:

• Accidents: injuries, swallowed objects, broken bones, toxic ingestion, etc.

• Illnesses: many plans cover diseases, infections, some hereditary conditions (depending on policy).

• Some plans offer wellness or preventive care add-ons (vaccinations, check-ups, dental cleanings) — but these are often optional and separate.

Important exclusions and limitations typically include:

• Pre-existing conditions: any condition that showed signs or symptoms before coverage began is usually excluded.

• Routine or preventive care (unless you add wellness coverage): standard checkups, vaccinations, grooming, etc may not be covered by default.

• Some hereditary or breed-specific conditions may be excluded or have higher cost.

• Often waiting periods apply (you must wait some days/weeks after policy starts before coverage kicks in).

We offer pet insurance plans in Pennsylvania, New Jersey, Maryland, Delaware, Illinois and Florida.

Pet insurance premiums vary based on factors like your pet's species, breed, age, and location, as well as the level of coverage you choose. Generally, premiums are lower for younger, healthier pets. Contact us or request a quote to get pricing tailored to your pet.

No. Like most pet insurance policies, pre-existing conditions — meaning any illness or injury your pet showed symptoms of before your policy's effective date or during the waiting period — are not covered. This is why it's often recommended to enroll pets while they're young and healthy.

Yes. Most pet insurance policies include a waiting period after enrollment before coverage begins, often with a shorter waiting period for accidents and a longer one for illnesses.

Depending on your plan, you may choose an annual deductible — the amount you pay out of pocket before your insurance starts reimbursing claims. Choosing a higher deductible typically lowers your monthly premium, while a lower deductible raises it.

Reimbursement timelines vary by provider, but most claims are processed within a few business days to a couple of weeks after all required documentation is submitted.