Are you interested in maximizing your coverage? Or would you rather pay a lower monthly premium? Or maybe you’re somewhere in between. Here’s how you can customize your pet insurance plan to fit your coverage needs and budget.

1. Set your annual limit

Your annual coverage limit is the total amount you can be reimbursed over a 12-month policy period. It starts over when a new policy period begins. With Complete CoverageSM, you can select your annual coverage limit with options from $5,000 to unlimited. A lower limit will reduce the cost of your premium. A higher limit will give you more financial cushion during the year.

Not sure which limit is right for you?

We suggest you go with one that is the highest amount you think you might need so you have the right amount of coverage. Of course, it’s impossible to predict the future, but it can help to consider things like how much veterinary care your pet needed last year.

You can also factor in your pet’s age and personality. Are they young, curious, and energetic, which can lead to more accidents? Or maybe they are older, which can put them at greater risk for certain health issues, like arthritis, cancer, cataracts, and cognitive decline. Or perhaps they are the adventurous type who tends to look before they leap, which can make them more accident-prone. With Complete CoverageSM, you can pick the annual limit that feels right for your pet.

2. Choose your annual deductible

A deductible is the amount you need to satisfy before you can start getting reimbursed. You can pick a $100, $250, or $500 deductible with Complete CoverageSM. The higher your deductible, the lower your premium. The lower your deductible, the more cash you can get back. Our most popular annual deductible is $100, but the choice is up to you.

Since our deductible is an annual deductible, you only have to meet this amount once a year no matter how many times your pet has an injury, gets sick, or needs other kinds of treatment that are covered by your plan, such as alternative therapy or help with a behavioral condition. Other providers may require you meet a deductible every time your pet has a new incident.

3. Pick a reimbursement percentage

Your reimbursement percentage determines the amount you can get back after you meet your deductible. You can choose to get reimbursed 90%, 80%, or 70% of covered veterinary costs with Complete CoverageSM. A higher percentage means you can get more cash back on your claims. A lower percentage gives you a lower monthly premium. Many of our customers prefer the 90% option, since it means they can get reimbursed a greater percentage of their covered costs.

We also cover a straight percentage of your veterinary bill. Other providers may base your reimbursement on what they determine are usual and customary costs for a service. So, if your veterinarian charges you $100 for a diagnostic test, but your provider has determined that the usual and customary fee for this service in your area is $75, you’ll get reimbursed based on the lower number. This method of reimbursements can be confusing. It also means you typically won’t know how much you will get reimbursed until your claim is processed.

4. Consider preventive care coverage

Another way you can customize your plan is by adding preventive care coverage at a low additional cost. It pays out a set amount for covered services like annual check-ups and flea prevention. We think this coverage is well worth it, since it gives you cash back for the routine wellness care your pet needs. It can also help motivate you to make those appointments since you know you’ll get reimbursed for covered services. But, of course, it’s up to you if you want to add a little more to the cost of your premium.

We have two options for preventive care coverage, which can include:

  • Heartworm Test or FELV Screen
  • Fecal Screen
  • Spay/Neuter and/or Dental Cleaning
  • DOGS: Rabies Vaccine/Titer or Lyme Vaccine/Titer
  • CATS: Feline FIP Vaccine/Titer
  • Canine DHLPP Vaccine/Titer
  • Annual Exam
  • Feline FVRCP Vaccine/Titer
  • Urinalysis
  • CATS: Feline FELV Vaccine/Titer
  • DOGS: Canine Bordetella Vaccine/Titer
  • Wellness Blood Screening
  • Heartworm/Flea Prevention

You’ll see the options and more about what they cover when you get a quote. If you would like this coverage for your pet, we suggest you select it when you enroll in your base plan coverage. Otherwise, you will need to wait until your policy renews to add it to your plan.

5. Look into an Accident-Only plan

If you’re only interested in covering injuries, you can choose our Accident-Only plan. You won’t have the broad coverage offered by Complete CoverageSM, which includes illnesses, cancer, congenital and hereditary conditions, and behavioral issues, but your premium will be lower.

Accident-Only coverage covers all sorts of mishaps and injuries, such as swallowed objects, poison ingestion, bee stings, broken bones, burns, bruises, and lacerations. It can reimburse you for diagnostic tests, including X-rays, MRI, and bloodwork, as well as treatments like prescription medications, stitches, surgery, and hospitalization related to accidents.

It’s great to have so many choices, but we know it can make some people scratch their heads. Don't worry—we will walk you through it when you get a free quote.