1. Get basic information

If you’re not sure how pet insurance works, learn About Pet Insurance to see if it’s right for you.

2. Choose a plan and sign up

Decide whether you’d like a pet insurance plan with higher limits or a lower monthly payment, and whether you’d like to add BestWellness™ routine care coverage.

3. Waiting period

We have some of the shortest waiting periods in the industry. Your pet’s accident coverage goes into effect after just 3 days, and illness and routine care coverage (if chosen) goes into effect after just 14 days.

4. Get treatment

When your pet is ill or injured, take a claim form with you to the vet’s office if possible. You can log in to your Customer Account to download a claim form pre-filled with your information. Have your veterinarian list a diagnosis on the claim form.

5. File your claim

For fastest processing, submit your claim online via your Customer Account. You may also submit via standard mail or fax. Remember to attach copies of paid receipts. Your reimbursement amount will be based on the actual amount you paid the vet.

6. Receive your direct deposit payment or check

For fastest reimbursement, sign up for our free direct deposit program through your Customer Account. If you prefer, we can issue you a paper check instead, in which case you can expect to receive payment within 2 weeks.