Pre-Existing Conditions
Yes! Pre-existing conditions are eligible for reimbursement. For each year you keep your pet membership, we give you:
​
-
An additional 10% reimbursement on pre-existing conditions, up to 90% total, and
-
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:
​
-
30 days for accidents and illnesses, and
-
30 days for Wellness Budget, and
-
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:
​
-
A $2,500 Personal Payment Responsibility each year.
-
Also, 10% of your pet's total pet medical costs. We reimburse the remaining 90%.
-
Lastly, any exam fees.
​​
That's it. There are no administrative or sign-up fees to join, and no hidden fees later on.
Premium Care Standards
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:
​
-
Inherited conditions.
-
"Bi-lateral" conditions, like getting a ligament tear on one leg after having it on the other leg previously.
-
"Related" illnesses or injuries, like when a medicine for one condition causes another condition.
-
Skin and ear conditions.​​​
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.
Membership Benefits
All Pet Memberships include the following medical costs:
​​
Diagnosis
The process of finding out what's wrong with your pet.
​
Treatment
Fixing or managing the health problem.
​
Emergency
Urgent costs that arise as a result of emergencies, including ambulance transport and veterinary Emergency Room visits.
​
Rehabilitation
Special costs to get your pet back on their feet, such as physical therapy, wheelchairs, prosthetics, and more.
​​
End of Life
Say goodbye in comfort with in-home euthanasia and a private cremation.
While we don't exclude any pet conditions, there are situations where reimbursements are not available:
What's Excluded
The following is excluded from reimbursement:
​​​
-
Wellness costs (vaccines, flea and tick preventative, etc)
-
Exam fees
-
Boarding, grooming, and other non-medical costs
-
Alternative treatments such as Ozone Therapy
-
Cosmetic procedures
​
COMPARE THE BENEFITS
