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 needs and budget.

1. Annual limit

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.

2. Annual deductible

You can pick a $100, $250, or $500 annual deductible. The higher your deductible, the lower your premium. The lower your deductible, the more cash you can get back. Remember you only have to meet this deductible once a year no matter how many claims you file.

3. Reimbursement percentage

You can choose to get reimbursed 90%, 80%, or 70% of covered veterinary costs. A higher percentage means you can get more cash back on your claims. A lower percentage gives you a lower monthly premium.

4. Preventive care

You can add preventive care coverage at a low additional cost. It gives you a set amount of money back for included services like check-ups and flea/heartworm prevention. We think this coverage is well worth it, but it’s up to you if you want to add a little more to the cost of your premium.

5. Accident-Only plan

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

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