About Your Pet
How old do my pets have to be to start protecting them?
Dogs and cats must be at least eight weeks old for initial enrollment.
Are older pets eligible for coverage?
We want to protect your pet through a long and rewarding life. With our plans, coverage is available for dogs prior to turning age 13 and cats prior to turning age 15.
Will my plan be cancelled when my pets get older?
Pet health insurance plans will not be cancelled based on the age of your pet, but premium surcharges may apply.
What if I have more than one pet?
If you have multiple pets, you are eligible for a 10% discount when you enroll them in the same plan.
What are congenital/hereditary conditions and are they covered?
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. To keep our premiums affordable, they are not covered under our pet health insurance plans.
What are pre-existing conditions and are they covered?
A pre-existing condition is any illness or injury that has manifested or occurred prior to the effective date of your insurance, or an illness within the first 30 days of a new plan. This would include conditions that have not yet been clearly diagnosed or are being treated with medication. To keep our premiums affordable, pre-existing conditions are not covered under our pet health insurance plans.
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.