Plan Options for Dogs & Cats
 Plan Type | Per-Incident Deductible | Per-Incident Limit
| Maximum Benefit
|
| Pets Basic | $50, $100, $250, or $500 | $2,500 | $200,000 |
| Pets First | $50, $100, $250, or $500 | $7,000 | $200,000 |
| Pets Premier | $50, $100, $250, or $500 | $14,000 | $200,000 |
Included Limited Coverage
All plans include the following coverage with the lifetime benefits shown.
Included Alternative Treatment Coverage
All plans include the following coverage with the annual limits shown.
| Condition Type | Pets Basic | Pets First |
| Acupuncture & Chiropractic Services | $150 | $250 |
What's Not Covered
Like every pet insurance plan, our plans have some exclusions in order to keep prices affordable. We provide this information so you can fully prepare for your pets’ veterinary needs.
Pre-existing conditions Any illness or injury that begins before your policy is effective, or during your waiting period, will be considered “pre-existing”. Even if your pet had no signs or symptoms and wasn’t diagnosed, some conditions can still be considered pre-existing.
Some conditions, like broken legs, heal and require no further treatment. Once healed, these are not considered pre-existing conditions.
Congenital Conditions Congenital conditions are present at birth, even if they aren’t noticeable right away, and are therefore considered pre-existing. The most common examples of congenital conditions include patellar luxation, umbilical hernia, elongated soft palate and portosystemic shunt.
Preventable conditions Conditions that could’ve been prevented are not covered. For example, if your dog is not vaccinated against kennel cough, kennel cough diagnosis and treatment will not be covered. The same applies to any other illness that can be vaccinated against, as well as obesity, and the treatment of gingivitis and periodontal disease caused by tarter accumulation.
Elective and preventive procedures Elective procedures such as tail docking, ear cropping, nail trimming, feline declawing, dewclaw removal, elective gastropexy, and anal gland expression and removal are not covered expenses. Limited coverage for vaccines and preventive care is available with our optional BestWellness™ plan.
Non-veterinary expenses, food, special diets, vitamins and supplements Non-veterinary expenses like taxes, administration fees, bio-hazardous waste disposal fees, transportation and house call fees, shipping and handling fees, bathing, grooming, and any service not performed under the supervision of a licensed veterinarian are not covered. We also do not cover food, vitamins or supplements, even when prescribed by a veterinarian.
Breeding and reproduction expenses Expenses for breeding, reproduction and related conditions are not covered.
Herbal, holistic, experimental and alternative therapies and medications (except chiropractic and acupuncture) Our pet insurance plans offer limited coverage for chiropractic and acupuncture services. All other herbal, holistic and alternative therapies are not covered.
Parasites Our regular pet insurance plans don’t cover parasitic testing, treatments or prevention. Parasites include but are not limited to: fleas, ticks, heartworms, roundworms, whipworms, hookworms, tapeworms, giardia, coccidia, ear mites or scabies. Limited coverage for parasite testing and prevention is available with our optional BestWellness™ plan.
Treatment of obesity Prescription drugs not included in our formulary
Please see our list of covered prescription drugs.
Conditions caused by a specific and repetitive activity that causes damage
For example, the induction of vomiting, stomach pumping, or treatment with charcoal; medical, or surgical treatment of your pet, if the same or a similar activity occurred two times within 18 months prior to the treatment date.
Conditions caused by unusual products or methods Any treatment of, or utilizing, a cloned animal Coverage in Some Cases
Hereditary conditions are not covered if a pet is enrolled after its second birthday Pets may have a genetic predisposition to develop certain hereditary conditions. If you enroll your pet before its second birthday, we will include limited coverage for hereditary conditions, otherwise hereditary conditions are excluded from coverage. To see the amount of coverage provided by each plan, see the above chart on this page. To learn what is considered hereditary, please view our short list of hereditary conditions.
Cruciate ligament injuries are not covered during the first 12 months of your policy In most cases, cruciate ligament injuries won’t be covered during the first 12 months of your policy. After 12 months, regular benefits will apply to cruciate injures that develop after the first year of coverage.
Note for Illinois Residents: Policies include a limited reimbursement for cruciate injuries that occur after the 14-day waiting period and during the first six months of the policy. Regular benefits apply to cruciate injuries that develop thereafter.
Dental Care Only when damage has been caused by an accident, our regular plans cover extractions and reconstruction of upper and lower canine teeth. All other dental services are not covered.
Mortality expenses Covered mortality expenses include euthanasia and cremation. All other mortality expenses are excluded.
Intentional injury to your pet by a member of your household Conditions caused by racing, coursing, commercial guarding or organized fighting Coverage Only with BestWellness™ Added to Your Plan
Routine care Our BestWellness benefit helps pay for wellness exams, vaccines, spays and neuters, dental cleanings, routine diagnostics and more. You can add BestWellness for $22 per month at the time of purchase or upon annual renewal.
Dental cleanings BestWellness reimburses $100 each year for teeth cleaning, and there’s no deductible to meet.
Fleas, ticks and heartworm BestWellness helps pay for the testing and prevention of fleas, ticks and heartworm.