Full Coverage Pet Insurance

Our pet insurance full coverage policy includes coverage for accidents, illnesses and conditions, treatments, and ongoing care.

Our pet health insurance plan covers accidents, illnesses, and conditions

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Dental illnesses 

Extractions, gingivitis, periodontal diseases and more; covered up to $1,000/year, no dental exam required. 

Conditions a pet is born with or due to a gene defect, such as hip dysplasia, allergies, intervertebral disc disease (IVDD), and others*.

Breed-specific, congenital & genetic conditions

Conditions a pet is born with or due to a gene defect, such as hip dysplasia, allergies, intervertebral disc disease (IVDD), and others*. 

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Cancer

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Chronic conditions 

Long-term illnesses or injuries like arthritis or diabetes; no per-condition limits and coverage continues when you renew.

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Preventable conditions

Lyme disease, parasites, parvo, and other illnesses that may have been prevented are still covered. 

Orthopedic conditions

Ligament tears, broken bones, osteosarcoma, and more are covered after a waiting period (varies by state, click here for details). 

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Pet insurance that covers the things your pet might get into

We even offer options to cover diagnostic exam fees and prescription drugs with our policies.

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Complementary treatments & rehabilitation

Less-invasive treatments, like acupuncture or laser therapy (when not preventative), included at no extra cost.

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Emergency care

Pets are covered at emergency vet clinics, including after-hours. 

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Hospitalization  & surgery

Scheduled or emergency surgery is covered,** including required hospital stays, even overnight.

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Specialist care

Treatments from licensed veterinary specialists such as oncologists, internal medicine experts, behaviorists, and others.

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Diagnostic testing

We cover diagnostic testing for covered illnesses or conditions, including biopsies, X-rays, MRIs, etc.

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Prescription drugs

As long as you opt for prescription coverage, if the condition is covered, so are the prescription meds used to treat or manage it.

Curable and incurable conditions

Some conditions are curable and we want to cover them. For example: your pup had an upset tummy with vomiting three months before enrollment. If he’s symptom- and treatment-free for a year, that condition is eligible for coverage in the future.

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Routine Care: The Smart Way to Manage Pet Health Costs

Annual exams, vaccines, parasite control, and dental cleanings all work together to spot health issues early—long before they become painful for your pet or expensive for you. Planning preventive care turns “I’ll get to it” tasks into an intentional, year-round habit that protects both your pet’s health and your budget.

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Early detection, better outcomes

Minor problems are easier—and far less costly—to treat when found early.

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Predictable annual costs

A flexible pet wellness plan helps prevent surprise bills from piling up.

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Lifelong peace of mind

A routine care plan can help keep pets healthier at every age.

*After any applicable waiting or exclusion periods.

**Spay/neuter surgery is preventative and not covered by insurance (but can be reimbursed by our wellness plan). 

***Exam fee coverage is an add on to your Accident and Illness policy and can be applied or removed to help adjust your premium.