Frequently Asked Questions
The Basics
Pet insurance is insurance coverage that reimburses you for certain medical and surgical expenses you may encounter when your pet gets into an accident or becomes ill.
Yes, you can take your pet to any licensed vet in the U.S. or Canada, including specialists and emergency care providers.
No, we never deny coverage to a dog or cat based on their age or breed.
Coverage
It’s simple! You just pay your vet as you normally would. Then, you submit our simple claim form along with your vet receipts via email, mail, fax, or our online pet portal, which can be accessed directly from your phone or computer. We then reimburse you via check or direct deposit.
Coverage depends on the plan you choose. Most plans cover accidents and illnesses, but you can also select an accident-only plan. Accident coverage includes coverage for injuries and emergencies related to accidents, like torn ligaments, bite wounds, broken bones, lodged foreign objects, and ingestion of toxic substances.
Illness coverage includes coverage for the treatment of all kinds of illnesses, including cancer, arthritis, allergies, digestive problems, and UTIs. Plans can also cover hereditary and congenital conditions, dental disease, and destructive behavioral issues. For a full list of everything that’s covered, see here.
No pet insurance provider can cover pre-existing conditions. Pre-existing conditions are health issues or conditions noted by you or your vet before your policy becomes active. But there’s good news! With Pet Insurance by Care, this doesn’t mean these condition will never be covered in the future. An injury or illness that is cured and doesn’t show symptoms or require treatment for 365 days will no longer be regarded as pre-existing, with the exception of knee and ligament conditions. If a knee or ligament condition occurs before the coverage effective date or during a waiting period, any future ones won’t be covered.
Expenses related to things like breeding, pregnancy, and aesthetic or cosmetic procedures are also not covered. For a full list of what’s not covered, see here.
Quotes are subject to change and not guaranteed. To secure your quote, complete your policy purchase.
There is a 5 day waiting period for accident coverage and a 14 day waiting period for illness coverage. There is also a 6-month waiting period for all knee and ligament issues.
We will not drop your coverage due to filing claims.
