Pet Insurance Guide

Pet insurance is something that everyone with a pet should have. A Pet Insurance policy is an insurance policy that protects your furry friends from unexpected veterinarian bills. This product will completely change the way you view going to the Vet and the associated costs that come with it.


Eli has made getting insurance quotes online extremely simple and fast but more importantly, from someone you can trust.

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What is Pet Insurance?

Pet Insurance is an insurance policy that helps you pay for your pet’s unexpected veterinary bills. It is also known as a pet insurance plan or pet health insurance. It reimburses you for a percentage of your vet bill, depending on the plan you choose. A Pet Insurance plan has a monthly premium that you pay, just like your car insurance or health insurance.

Why Do I Need Pet Insurance?

Unexpected veterinary bills can be very expensive, and pet insurance plans can help ease the financial burden. Pet insurance policies also gives you peace of mind that if your pet is ever in a life or death situation, you will not need to consider the cost as much since your pet will be covered.

What does Pet Insurance cover?

Pet Insurance plans cover your pet for unexpected illnesses and accidents. It does not always include certain coverages so make sure your agent is discussing with you what is excluded from the policy. Here are some of the top things covered under a pet insurance plan:

  • Vet bills for Unexpected Injuries
  • Vet bills for Unexpected Illnesses
  • Accidents
  • Vet bills for Emergency Care
  • Vet bills for Routine Care like teeth cleanings and check-ups
  • Prescription Medications
  • Behavioral Therapy
  • Exam Fees

What does Pet Insurance NOT cover?

Pet Insurance plans generally do not cover pre-existing conditions, so it’s important to enroll your pet as early as possible. Pet parents need to review these policies thoroughly to make sure you understand the plan’s coverages and what’s not covered.

What are the different types of Pet Insurance?

The main types of pet insurance are accident only, comprehensive, and per incident.

  • Accident only covers your pet for accidents such as being hit by a car. It does not cover illnesses.
  • Comprehensive covers both accidents and illnesses but has a higher monthly premium.
  • Per Incident plans have a set amount that they will reimburse you per incident, usually around $500.

How do I choose a Pet Insurance Company?

The best pet insurance to choose from is the one that fits both your needs and your budget. Pet insurance companies all have different coverage options, so it’s important to read the fine print before enrolling your pet. It’s also a good idea to get quotes from multiple companies to compare rates. Having a licensed insurance agent that sells pet insurance can also assist in your planning process.

When pet parents are ready to enroll their pet in an insurance policy, be sure to use a reputable company with a good reputation. You can read reviews online or ask your friends and family for recommendations. Once you’ve chosen a pet insurance policy, be sure to keep up with your monthly payments so that your pet is always covered.

How to get Pet Insurance?

You can request a quote from us! This is the easiest and fastest way to get a pet insurance plan is from someone you can trust. Another way to get pet insurance is to find an insurance agent in your area that specializes in pet insurance.

Pet Insurance plans can be a lifesaver for you and your furry friends, so be sure to enroll as soon as possible!

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Does Pet Insurance cover pre-existing conditions?

Generally, pet health insurance does not cover pre-existing conditions and the reason for this is simple. Insurance providers would be out of business if people only called in when their dog gets sick or hurt. The rule of insurance is to share in the cost over a large group of policyholders and will pay claims if an accident or illness arises.

Pre-existing conditions are any injuries or illnesses that your pet has prior to enrolling in a policy. For example, if Fido breaks his leg before you enroll him in a pet insurance policy, the resulting treatment for that injury would not be covered because it’s considered a pre-existing condition.

Also, the insurance provider may have a waiting period before you can start using the insurance so make sure you review the insurance policies to see what they are offering.

How much does Pet Insurance cost?

Generally, plans range from $15-$100 a month for Pet Insurance. This depends on several factors:

  • Age of the pet
  • The pet’s species
  • Pet breeds
  • The pet’s pre-existing conditions
  • Whether the pet is spayed or neutered
  • Where you live

The best way to get an accurate quote is to request one from us so you can look at all of the options and see what you are able to afford. This way, we can take into account all of the factors and give you the best possible price.

How to cancel my Pet Insurance Policy?

You can cancel your pet insurance by contacting your insurance company and requesting to cancel your policy. Be sure to have your policy number on hand when you call. You will likely be asked for a reason why you are canceling the policy, and you may be charged a fee for canceling depending on the insurance company you went with. Once you have canceled your pet insurance, you will no longer be covered and will not be able to file any claims.

How long does it take to get Pet Insurance?

You can get Pet Insurance immediately after you have requested your quotes, choose the right coverage, premium, and the insurance company. Then after your first payment, the coverage can start It generally is really fast but one thing not to forget is that there is a waiting period on many of these policies before you can use them so make sure to discuss with an agent to understand the terms of the policy.

How can you pay for your Pet insurance?

Pet parents can pay for Pet Insurance in monthly, semi-annual, or annual installments. You can also pay in full upfront which can give you a discount depending on the insurance company.

How to file a claim on a Pet Insurance Policy?

You will want to review this with your agent or insurance company since many of them differ. Some will have you pay out of pocket then request reimbursement. Some insurance providers have direct contracts with certain insurance providers and will bill the insurance company directly. They will determine if it falls under a pre-existing condition or not and depending on the plan, pay you directly for reimbursement.

Many insurance providers have a mobile app that you can file directly on your phone as well!

What is the best Pet Insurance Company?

Many websites will tell you that one insurance company is better than the other but the truth is it depends entirely on your unique situation. Some insurance companies charge differently on the breed and the location you are in. So it is best to reach out to a licensed agent to get multiple quotes for your furry friends and compare the pros and cons between them.

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1,000’s have been helped since 2011