FAQs

Click below for answers to frequently asked questions about pet insurance and our coverage.
Still have questions? Call us at 1-800-799-5852.

About Pet Insurance

What is pet health insurance?
Why do I need pet insurance?
What does pet insurance cover?
What does it cost?

Using Your Plan

Once I've enrolled, how long before my pet insurance is effective?
When can I start using my pet insurance?
What are my payment options?
Can I save money by paying annually?
Can I stay with my veterinarian?
How do I submit a pet insurance claim?
How long does it take to get reimbursed?
What are “usual and customary covered charges”?
How does the deductible work?
Can my claim be paid directly to the veterinarian?
Can I switch to a different level of coverage later?
Do you cover ligament and knee conditions such as Anterior Cruciate Ligament (ACL) conditions?
Do you provide pet insurance for residents of Canada?
Can I cancel my pet insurance at any time?
What's not covered?
What happens at renewal?
Can I receive information by email rather than mail?

About Your Pet

What are the age requirements and restrictions for your pet insurance?
Will my pet insurance be cancelled when my pets get older?
What if I have more than one pet?
What are pre-existing conditions?
Are pre-existing conditions covered?
What are ongoing conditions?
Are ongoing conditions covered?
What does congenital/hereditary mean?
When does my Continuing Care coverage activate?
Does Continuing Care have a deductible in addition to my base plan deductible?
Can I increase my level of Continuing Care coverage later?
What are the age requirements and restrictions for Continuing Care?
Does Continuing Care cover ongoing conditions?

What is your pet's name?

For friendly advice or a quote by phone, please call 1-800-799-5852.

Retrieve a Previous Quote

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This is not a complete description of all coverage terms, conditions, exclusions and limitations; see your plan for a full description. Issuance of coverage is subject to underwriting. Specific products, features, and discounts may vary and may not be available in all states.

Plans are underwritten by the United States Fire Insurance Company and administered by Petsmarketing Insurance.com Agency, Inc., a subsidiary of the Hartville Group, Inc. The pet insurance programs are offered by the Hartville Group, Inc., not the ASPCA.