About Your Pet
What are the age requirements 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. Level 1 has no age limitations.
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,
your premium will adjust as your pet ages.
What if I have more than one pet?
If you have more than one pet, you can save 10% on the base plan premium for each
additional pet after the highest premium pet. This does not apply to Level 1.
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 all 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.
What are ongoing conditions?
Ongoing conditions are illnesses or injuries that need care across multiple plan periods. Examples can include allergies, asthma, diabetes, osteoarthritis, cancer, or a broken bone that needs treatment from one plan period into the next.
Are ongoing conditions covered?
Ongoing conditions that are curable may be covered in the future if 180 days pass
after cure and last treatment. Additionally, Continuing Care is extra coverage
for ongoing conditions. Explore your coverage options for more details.
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 show symptoms at any time during a pet's life. Explore your coverage options for more details.
When does my Continuing Care coverage activate?
Continuing Care covers ongoing conditions, which are conditions that need care
across multiple plan periods. This coverage kicks in when your plan renews after
12 months. Continuing Care must be in place when the condition first appears.
Does Continuing Care have a deductible?
Yes, Continuing Care reimburses 80% of usual and customary covered costs for these conditions with a $100 annual deductible and other limits separate from your base plan.
What are the age requirements for Continuing Care?
For initial enrollment in Continuing Care, dogs and cats must be at least 8 weeks old. Dogs must also be 8 years old or younger, and cats 10 years old or younger.