About Your Pet
What are the age requirements and restrictions for your pet insurance?
For initial enrollment in our pet insurance, dogs and cats must be at least 8
weeks old. Initial enrollment for Levels 2 ,3, and 4 is
limited to dogs 12 years and under and cats 14 years and under. An age surcharge
applies to dogs when they reach age 9 and again at age 12. For cats the age
surcharge applies at age 11 and again at age 13.
Our Level 1;coverage
has no age limitations or surcharges. Continuing Care coverage
age requirements and restrictions may vary.
Will my pet insurance be cancelled when my pets get older?
We’ll never cancel your pet insurance because of the age of your pet. However,
premium surcharges based on age may apply unless you enrolled in
Level 1 of
our pet insurance coverage.
What if I have more than one pet?
If you have more than one pet, you can save 10% on each additional pet after the
highest premium pet. Just enroll them in the same level of coverage (excludes Level 1 and
Continuing Care).
What are pre-existing conditions?
Pre-existing conditions are illnesses or injuries that show symptoms prior to a
plan's effective or renewal date or within a waiting period. This includes
conditions that have not yet been clearly diagnosed or treated with medication.
Are pre-existing conditions covered?
Like other pet insurance providers, we don’t cover pre-existing conditions to
keep premiums lower. If a pre-existing condition is curable and 180 days have
passed since its cure and last treatment it may become eligible for coverage. Learn more about what’s not covered.
What are ongoing conditions?
Ongoing conditions are illnesses or injuries that occur in one plan period, and
need care in subsequent plan periods. For example, long-term or chronic
conditions like allergies, asthma, diabetes, osteoarthritis, or cancer may be
considered ongoing conditions.
Are ongoing conditions covered?
We have two different approaches to ongoing conditions. Our base plans don’t
cover ongoing conditions from year to year, unless 180 days have passed since
the condition was cured, last treated, and free from symptoms. However, our
inexpensive Continuing Care coverage
option is designed to provide protection for ongoing conditions. You may be
eligible to add Continuing Care to Levels 2,3, or 4 of
our pet insurance when you first enroll or at renewal.
What does congenital/hereditary mean?
A congenital condition is one that is considered a birth defect, or a defect in
growth development. A hereditary condition is one that may have been passed down
from an animal's parents or through the breed. Both congenital and hereditary
conditions can manifest or show their symptoms at any time during a pet's life.
Are congenital/hereditary conditions covered?
To help keep our premiums as affordable as possible, our pet insurance does not include coverage for congenital/hereditary conditions.
When does my Continuing Care coverage activate?
Ongoing conditions are illnesses or injuries that occur in one plan period, and need care in subsequent plan periods. Our base plans don’t cover ongoing conditions from year to year, unless 180 days have passed since the condition was cured, last treated, and free from symptoms.
However, our inexpensive
Continuing Care coverage
option is designed to provide coverage for ongoing conditions. You may be
eligible to add our Continuing Care coverage option to Levels 2, 3, or 4 when
you first enroll or at renewal.
Does Continuing Care have a deductible in addition to my base plan deductible?
Yes, there is an additional $100 annual deductible per pet for claims eligible
under the Continuing Care Endorsement.
Can I increase my level of Continuing Care coverage later?
No, the level of Continuing Care coverage selected at enrollment cannot be
increased.
What are the age requirements and restrictions for the Continuing Care
Endorsement?
For initial enrollment in our
Continuing Care option,
dogs and cats must be at least 8 weeks old. Initial enrollment is limited to
dogs 8 years and under and cats 10 years and under.
Does the Continuing Care Endorsement cover ongoing conditions?
Yes. As long as the ongoing condition is not pre-existing to enrollment into Continuing Care coverage.
NOTE: This is not a complete description of all coverage terms, conditions, and exclusions. See coverage terms for a full description of the scope and limitations of coverage.