The whole animal, nose to tail
Illness, accidents, the diagnostics to work out which it is, and the things they swallow that they absolutely should not have.
From$10/mo
What you're actually insuring
Pet policies are usually sold as a monthly number with no sense of what a bad day costs. These are the real ones.
Typical vet bill
$3,200
Swallowed something
Hair ties, socks, corn cobs. Surgery and a night in
$4,500
Hips and joints
Dysplasia and cruciate repair, including physio
$1,100
Teeth and gums
Extractions and dental disease under anesthetic
$800
Skin and allergies
Testing, then medication for as long as it takes
$950
Eyes and ears
Chronic infections, ulcers, and specialist referral
$6,000
Emergency surgery
Out-of-hours, the night it actually happens
$1,400
Diagnostics
X-rays, ultrasound, bloodwork, MRI
$60/mo
Prescriptions
Ongoing medication, refilled without a fight
We pay the percentage you chose of whatever the bill is — there's no per-condition cap waiting to surprise you halfway through treatment.
Every figure on this page is an illustrative placeholder for a portfolio build, not a quote or an offer of coverage.
What’s covered
- Accidents, injuries, and emergencies
- Illness, from ear infections to cancer
- Diagnostics: imaging, bloodwork, and lab fees
- Surgery, hospitalization, and out-of-hours care
- Prescription medication and prescribed food
- Specialist referrals and second opinions
- Behavioral treatment prescribed by a vet
What’s not
- Anything already diagnosed before you signed up
- The first 14 days for illness, 3 days for accidents
- Routine vaccinations, flea treatment, and check-ups
- Spaying, neutering, and elective procedures
- Pregnancy and breeding costs
- Grooming, nail trims, and anything cosmetic
What a real claim looks like
Your cat eats a hair tie. Again. You're at the emergency vet by nine.
9:14 pm
You photograph the estimate
One picture of the vet's estimate, taken in the waiting room. That's the whole submission.
9:16 pm
Pre-approval comes back
We confirm what's covered before you agree to the surgery, so you decide with the number in hand.
9:18 pm
The vet is paid directly
No fronting four thousand dollars on a credit card and waiting six weeks for reimbursement.
Next day
Follow-ups included
The recheck, the medication, and the cone are on the same claim. You don't file again.
An illustrative walkthrough written for this build. Timings are not a service guarantee, and complex claims still go to a person.
Pet questions, answered
What counts as a pre-existing condition?
Anything a vet noted, treated, or that showed symptoms before your policy started or during the waiting period. We check your pet's records up front and tell you exactly what's excluded before you pay, rather than discovering it at claim time.
Is there a waiting period?
Three days for accidents and fourteen for illness. Hip and joint conditions have a six-month wait, which is standard across the industry and exists because otherwise people would insure a limping dog on the way to the vet.
Can I use my own vet?
Any licensed vet, anywhere in the country, including emergency and specialist clinics. There's no network and no approved list.
Do prices go up as my pet ages?
Yes — older animals cost more to treat and it would be dishonest to pretend otherwise. What doesn't happen is being dropped for claiming, or having a condition excluded once you've developed it while covered.
Dogs and cats only?
For now. Rabbits, birds, and reptiles are on the list, and if you want one covered, tell us — demand is genuinely how we pick what to build next.
Get a pet price in about 90 seconds
No calls, no paperwork, no broker. Answer a handful of questions and see the number.
Add a second policy and your total goes down
Bundling is the one discount in insurance that isn’t a gimmick — fewer policies to administer costs us less, so it costs you less.
