How does Healthy Pet Deductible work?

With Healthy Pet Deductible, your pet's annual deductible is automatically reduced by $50 each year that you don't receive a claim reimbursement. Healthy Pet Deductible is included with every pet insurance policy at no extra charge. Once your pet's deductible decreases to $0, that's as low as it can go. We'll automatically apply any Healthy Pet Deductible credits you've earned when you're eligible for reimbursement. Once you receive an accident or illness claim reimbursement greater than your current Healthy Pet Deductible credit, the Healthy Pet Deductible credit resets to zero for your next policy year.

What is an annual deductible?

The deductible is the amount that you're responsible for before reimbursements start. Like most other types of insurance, you're responsible for part of the cost. Our pet insurance deductible is annual which means you only have to meet your deductible once per policy term—not every vet visit, or once for every different type of condition, which is how some pet insurance companies operate.

Is my pet covered for life?

Yes. We'll never drop your pet or reduce their coverage based on age, health status or claims you’ve filed. Once you're signed up for pet insurance, we don't cancel coverage for anything other than non-payment of premium.

What does Wellness Rewards reimburse for?

Items that can be reimbursed through Wellness Rewards include, but isn't limited to: Wellness exams Vaccinations and titers Flea, tick and heartworm medication Spay and neuter surgery Fecal exams Routine blood tests Microchipping Umbilical hernia repair Gastropexy Toe nail trimming Routine anal gland expression Routine chiropractic care, reiki, massage therapy and acupuncture Teeth cleaning and dental illness Prescription diet food purchased at your veterinarian OFA and PennHIP exams, and X-rays Nutritional supplements Medicated shampoos Behavioral, obedience and specialty training Pet activity monitors Grooming Cremation and burial

Do all veterinarians take pet insurance?

Unlike human health insurance, pet insurance has no networks. Because it works based on a reimbursement method, you pay the vet directly, submit your claim and we pay you back. You can visit any veterinarian, specialist or emergency hospital you like.

Can I change my coverage later?

You can downgrade your coverage at any time. Downgrading your coverage means anything that gives you less coverage. This could include lowering your annual maximum, lowering your reimbursement rate or increasing your deductible. You can also upgrade your coverage at any time. However, your policy would be subject to re-underwriting which is basically like getting a brand new policy. You would have new waiting periods and any accident or illness that started before your upgrade date (whether a claim was submitted and covered for it or not) would be considered pre-existing.