You choose a plan and pay a monthly premium. When your pet needs care, you visit any licensed vet in the U.S., pay the bill, and submit a claim through our app or website. We review it (usually within 24 business hours) and reimburse you within 5–7 days.

We cover accidents, illnesses, emergency care, surgeries, diagnostic tests, hospitalization, specialist visits, and prescription medications.

Pre-existing conditions, elective procedures, breeding costs, and experimental treatments. We're upfront about this because we want you to know exactly what you're getting.

It's the amount you pay out-of-pocket before we start reimbursing you. For example, if you have a $250 deductible and your vet bill is $500, you pay $250 and we reimburse you for $250 we reimburse you 100% of the remaining balance, unlike most companies that only do 80%.

Plans start at $5/month. Your price depends on your pet's age, breed, location, and the coverage level to deductible option. Get a personalized quote in under 2 minutes.

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

Most claims are reviewed within 24 hours and reimbursed within 5–7 business days. We know you shouldn't have to wait weeks to get your money back.

Yes. There are no cancellation fees and no long-term contracts. If your situation changes, you can cancel anytime.

Absolutely. We love cats just as much as dogs. All our plans are available for both.

Pre-existing conditions aren't covered, but that doesn't mean we can't help. Once your pet has been symptom-free and treatment-free for a certain period (usually 6–12 months), we may be able to cover future issues related to that condition. Check with our team for specifics.

Coverage for accidents starts 48 hours after enrollment. Illness coverage starts after 14 days. This helps us keep premiums affordable for everyone.