You pay a small monthly or annual premium. When your pet needs care, you pay the vet, submit your claim, and we reimburse you—usually within 5–7 days.

Accidents, illnesses, emergency care, surgeries, diagnostic tests, and more. We don't cover pre-existing conditions.

Plans start at $5/month. Your price depends on your pet's age, breed, and the deductible you choose.

Yes! You can visit any licensed veterinarian, specialist, or emergency clinic in the United States. We don't restrict your choices.

Once you’ve met your annual deductible, we’ll reimburse you for eligible veterinary expenses at a full 100% reimbursement percentage

There is a 15 day waiting period. Coverage begins 15 days after policy start date.

Items such as grooming, tax, pre-existing conditions and preventive care are not eligible for coverage. See policy documents for full lis of exclusions

You’ll need to enroll your new pet in a separate policy but you will be able to easily manage all of your pets within your Paw Protection app.

“Pre-existing condition” means a condition for which any of the following are true prior to the effective date of your pet insurance policy or during your waiting period:

A veterinarian provided medical advice regarding the condition; Your pet received previous treatment for the condition; or Based on information from verifiable sources, your pet had signs or symptoms directly related to the condition for which a claim is being made.

A veterinarian diagnoses the need for a thorough dental cleaning. If your pet’s medical records indicate this cleaning is recommended prior to the start of your policy or during the waiting period, dental tartar/periodontitis would be considered pre-existing.

Your pet is limping, but no diagnosis has been made prior to enrollment. A few months into your policy, a veterinarian diagnoses hip dysplasia and notes it in your pet’s medical records. Hip dysplasia would be considered pre-existing.