What is Covered

Complete CoverageSM gives you the comfort of knowing your pet is covered for everything listed here. You might be surprised to know that not all pet insurance providers cover exam fees for eligible conditions, which are part of almost every veterinary bill. That coverage is built into our plans.

Some other providers also have vaccine or other requirements concerning the care of your pet. If you don’t follow these policy provisions, your claims may not be reimbursed. We believe your pet’s care is best left to you and your veterinarian.


Accident coverage can help you care for your pet when they get hurt without as much worry about the cost. It covers injuries and emergencies related to accidents, like torn ligaments, bite wounds, cuts, broken bones, swallowed objects, and toxic ingestions. It also includes all sorts of services related to accidents, such as X-rays, MRI, ultrasounds, bloodwork, sutures, medications, hospitalization, and surgery. By the way, we offer an Accident-Only plan if you only want coverage for injuries.


With illness coverage, you can get reimbursed for the costs of major and minor illnesses, such as cancer, arthritis, hypothyroidism, ear infections, digestive problems, and urinary tract infections (UTIs). It can cover expenses for everything from diagnosing the health condition to the treatments your pet needs to get better. It can be a big relief to have this financial support when you’re dealing with the stress of caring for a sick pet.

Does dog insurance cover cancer? Cancer is a tough diagnosis, but there are lots of treatments that can help pets fight this disease. Complete CoverageSM can help you manage those costs.

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. They can include heart disease, intervertebral disk disease (IVDD), eye disorders, and hip dysplasia.

It’s important to look for pet insurance that covers hereditary conditions, especially if your pet is prone to these disorders. Some pet insurance providers only offer this coverage as an optional add-on. That means you’ll need to pay extra if you’d like to add it to your plan.

Alternative Therapies

There are lots of alternative therapies now available to help pets recover from an injury or illness. They include acupuncture, physiotherapy, chiropractic care, rehabilitative therapy, hydrotherapy, and low-level laser therapy. Complete CoverageSM reimburses you for alternative therapies used to treat a covered condition. Some other providers do not have this coverage or offer it only as an optional add-on.

Behavioral Issues

Behavioral issues with symptoms such as excessive licking, fur pulling, pacing, and destructive chewing, can be distressing and harmful to your pet. Plus, they can damage your home and disrupt your family life. Complete CoverageSM covers the costs of diagnosing and treating these issues. This coverage is not available with all pet insurance providers or is sometimes only offered as an optional add-on.

Chronic Conditions

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

Prescription Medication

If your pet gets hurt or sick, they may need prescription medication to help alleviate pain, reduce inflammation, or fight off an infection. They can also need medication to manage chronic conditions, such as thyroid problems. Complete CoverageSM includes prescription medication coverage for covered conditions.

Prescription Food & Supplements

Your veterinarian may recommend prescription food or supplements to help your pet with certain health conditions. With Complete CoverageSM, you can get reimbursed for these products when they’re used to treat a covered condition (not for general maintenance or weight management). Some other providers don’t have this coverage or offer it only as an optional add-on. Some also set limits on how long this coverage can be used.

Microchip Implantation

A microchip may seem like a small thing, but it can help in a big way when it comes to making sure your pet is returned to you safely. We cover microchip implantation because we know the important role it can play in getting your four-legged family member back home.

What's Not Covered

Like all pet insurance providers, we have exclusions, which are things that aren’t included in your coverage. You should make sure you understand the exclusions of any plan you’re considering so there won’t be any surprises later. We work hard to keep our list of exclusions to a minimum. You can read about some of them here and look over a sample policy to get the full list of exclusions.

Pre-existing Conditions

Pre-existing conditions occur before coverage begins or during a waiting period. These conditions are not covered. However, with our plans, this doesn’t mean the condition can’t be covered in the future if the condition is curable. 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.

Learn more about the commonly used terms you’ll need to understand as you continue your pet insurance research.

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 (Optional Add-on)

Does pet health insurance cover vaccinations and other routine care? This coverage is not included as part of Complete CoverageSM, but you can add it to your base plan for a little more per month. It reimburses you for all sorts of services that can help keep your pet healthy, such as annual wellness exams, vaccines, flea and tick medication, heartworm preventative, and screenings. There is no deductible or co-insurance amount with preventive care coverage.

Get a free quote now to see what types of pet insurance plans are available for your pet.

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