Complete CoverageSM 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 CoverageSM 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?

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Some common incidents that Complete CoverageSM 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 a pre-existing condition differently. We define a pre-existing condition as a health problem that occurs before coverage is effective. However, we will no longer consider a condition to be pre-existing if your pet has been cured of it and without treatment for it or symptoms of it for 180 days.

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.

Coverage Dates

Coverage Effective Dates

Coverage Dates

Accident coverage, with the exception of coverage for ligament issues and knee conditions, will start on the effective date of your policy.

Coverage Dates

Coverage for ligament issues, knee conditions, and illnesses starts 14 days after your policy effective date.

+ Preventive Care

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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 Plan

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.

Plans Reimbursement

How Reimbursement Works

Pay your
vet bill

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Submit a
claim

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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

Annual Deductible

Options

$100 $250 $500

Percent

Reimbursement Percentage

Options

90%  80% 70%

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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.