Pre-Existing Conditions
Yes! Pre-existing conditions are eligible for reimbursement. For each year you keep your pet membership, we give you:
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An additional 10% reimbursement on pre-existing conditions, up to 90% total, and
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An additional $1,000 in annual reimbursements for pre-existing conditions, up to $10,000 annually.
That means after you have your membership for 1 year, you get 10% of your pre-existing condition costs reimbursed, up to a maximum $1,000 for the year. Those numbers increase each year.
Your Personal Payment Responsibility still applies only once per year.
Unlimited Reimbursements
Once you have a Membership, your pet gets unlimited reimbursements on any condition that comes up.
When you join, these waiting periods apply:
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30 days for accidents and illnesses, and
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30 days for Wellness Budget, and
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1 year for orthopedic conditions.
There are no annual, per-condition, or lifetime limits on your pet medical costs.
There are also no maximum per-item cost limits on the products or services your pet receives.
Your Pet Medical Costs
You are responsible for the following pet medical costs:
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A $500 or $2,500 Personal Payment Responsibility each year.
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Also, 10% of your pet's total pet medical costs. We reimburse the remaining 90%.
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Lastly, any exam fees.
That's it. There are no administrative or sign-up fees to join, and no hidden fees later on.
Health and Wellness
All your pet's health conditions are eligible for reimbursement - nothing has been singled out in the fine print. Here are some examples of hard-to-cover conditions we reimburse you for:
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Inherited conditions.
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"Bi-lateral" conditions, like getting a ligament tear on one leg after having it on the other leg previously.
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"Related" illnesses or injuries, like when a medicine for one condition causes another condition.
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Skin and ear conditions.
Plus, wellness care is included in all Standard Memberships, because an ounce of prevention is worth a pound of cure.
Using Your Pet Membership
Taking advantage of your membership benefits is easy
Any Vet
Take your pet to any vet, no exceptions.
Pay the Bill
Most vets require payment when service is rendered.
Direct Payment
For bills of $1,000 or more, we can pay your vet directly.
Submit the Bill
If we didn't pay your vet directly, just submit the paid bill to us online.
Get Reimbursed
We process your request, and reimburse your pet medical costs.
Discounts
Get 5% off membership fees for spayed or neutered pets, plus another 5% off if your pet is also adopted from a shelter or rescue.
While we don't exclude any pet conditions, there are situations where reimbursements are not available:
What's Excluded
COMPARE THE BENEFITS
