Complete CoverageSM gives you the comfort of knowing exam fees, diagnostics, and treatments are covered for the list of things below. You might be surprised to know that not all pet insurance providers cover exam fees, which are part of almost every veterinary bill.


Accident coverage will take care of costs for injuries and emergencies related to accidents, like torn ligaments, bite wounds, cuts, broken bones, lodged foreign objects, and toxic ingestions. By the way, we offer an Accident-Only plan if you only want coverage for injuries.


With illness coverage, you’ll be reimbursed for the costs of major and minor illnesses, such as cancer, arthritis, allergies, hypothyroidism, digestive problems, and UTIs.

Hereditary and Congenital Conditions

This coverage is for the costs of inherited conditions and birth defects that don’t show symptoms until later in your pet’s life, like heart disease, IVDD, eye disorders, and hip dysplasia.

Alternative Therapies

There are all sorts of alternative therapies now available for pets, such as acupuncture, physiotherapy, chiropractic care, rehabilitative therapy, hydrotherapy, and low-level laser therapy. Complete CoverageSM can reimburse you for alternative therapies your pet might need to treat a covered condition.

Behavioral Issues

This coverage can help with the costs of veterinary visits for concerning behaviors that may be related to anxiety or compulsive behavior, like excessive licking, fur pulling, and destruction of the home.

Chronic Conditions

These are conditions that need care across multiple plan periods, such as allergies, diabetes, and cancer. With Complete CoverageSM, you don’t have to worry about a condition becoming ineligible for coverage just because it is ongoing.

What's Not Covered

Like all pet insurance providers, we have exclusions. You can look at a sample policy for the full list.

Pre-existing Conditions

These are conditions that occur before coverage begins or during a waiting period. With our plans, this doesn’t mean the condition can’t be covered in the future. An injury or illness that is cured and free of treatment and symptoms for 180 days will no longer be regarded as pre-existing, with the exception of knee and ligament conditions. If a knee or ligament condition occurs before the coverage effective date or during a waiting period, any future ones won’t be covered.

Cosmetic Procedures

Our plans do not cover elective procedures, such as tail docking, ear cropping, and claw removal.

Breeding Costs

Our plans do not cover costs associated with breeding or pregnancy.

Preventive Care

Coverage for preventive care, like annual wellness exams, vaccines, and screenings, is not included in this plan. You can add preventive care coverage for a little more per month after you select your base plan.

Get a free quote now to see what coverage would look like for your pet.