Complete Coverage^SM includes the exam fees and costs of diagnostics and treatment when your pet gets hurt or sick.

We cover treatment as advanced as chemotherapy and stem-cell therapy, and alternative treatment like acupuncture and hydrotherapy. Simply put, Complete Coverage^SM takes care of the same costs that you’d expect your own health coverage to take care of if you were hurt or sick.

What’s Covered?

Some common incidents that Complete Coverage^SM can help you with are listed below for your reference.

Accidents

Broken bones
Bite wounds
Cuts

Abscesses
Lodged foreign objects
Toxic ingestions

Illnesses

Digestive problems
Diabetes
Hypothyroidism

UTIs
Gingivitis
Cancer

Hereditary Conditions

Heart disease
IVDD

Eye disorders
Hip dysplasia

Behavioral Issues

Excessive licking
Destructive chewing

Fur pulling
Tail chasing

What’s Not Covered?

Like all pet insurance providers, we have some exclusions

Pre-existing Conditions

No pet insurance provider covers pre-existing conditions, though each may define them differently. We define a pre-existing condition as a health problem that first occurs or shows symptoms before coverage is effective or during a waiting period. However, we will no longer consider a condition to be pre-existing if it has been cured and free of symptoms and treatment for 180 days, with the exception of knee and ligament conditions. If a knee or ligament condition occurs before the coverage effective date or during a waiting period, any future ones won't be covered.

cosmetic procedures

This would be things like tail docking, ear cropping, and claw removal.

breeding costs

Costs associated with breeding and pregnancy are not covered.

For a full list of exclusions, see a sample policy.

+ Preventive Care

When you enroll, you’ll have the option to add Preventive Care to your coverage for a little more per month. If you add it, you get a fixed amount of money back for a list of services that help protect your pet from illnesses, like dental cleaning, vaccines, and wellness exams.

Accident-Only Coverage is also available, which includes the exam fees and costs of diagnostics and treatment just for accidents. You can learn more about it by getting a quote.

How Reimbursement Works

Pay your
vet bill

Submit a
claim

Get cash
back

Claim payout math is pretty straightforward. Payouts are based on your vet bill, so once your annual deductible is out of the way, you’ll get 90, 80, or 70% of the covered bill back, depending on which reimbursement percentage you select when you enroll.

Annual Deductible

Options

$100 • $250 • $500

Reimbursement Percentage

Options

90% • 80% • 70%

Your Annual Coverage Limit

Your coverage will have one annual limit, so it resets every year, and you get to pick it. We offer choices from $5,000 up to unlimited, because a higher annual limit can really make a difference when your pet has a costly condition.