Coverage for cats who hide it well

For a healthy young pet, accident-and-illness coverage typically starts around $19–$25/mo for cats and $35–$50/mo for dogs, though your exact price depends on species, breed, age, ZIP code, and the deductible, reimbursement rate, and annual limit you choose. Our Essential plan starts from $19/mo and Signature from $69/mo. The fastest way to know your real number is a free 2-minute quote.

No — pre-existing conditions (anything your pet showed signs of before coverage started or during the waiting period) are excluded across the industry. That's exactly why enrolling early matters. The good news: some carriers will cover a curable pre-existing condition once your pet has been symptom- and treatment-free for a set period, often 180 days. We'll flag which carriers do that.

It varies by carrier. Accident coverage often begins within a few days (sometimes next-day), and illness coverage usually starts after about 14 days. Certain orthopedic conditions, like cruciate ligaments, can have a longer waiting period. We'll give you the exact start dates for the plan you choose before you enroll — no ambiguity.

Yes. Every plan we place lets you visit any licensed veterinarian in the U.S., including emergency hospitals and specialists. There are no networks and no referrals required — you choose the vet, we help you get reimbursed.

Dental illness — like extractions and periodontal disease treatment — is covered on select plans, and our Signature plan also includes routine dental cleanings under its wellness benefit. Purely cosmetic dental work is excluded. We'll show you exactly what your chosen carrier includes.

If a surprise $4,000 emergency would strain your savings, it usually is. About one in three pets needs unexpected vet care each year, and a single emergency surgery can run $1,500–$5,000+. Insurance turns that into a manageable copay so care is a decision about your pet, not your bank balance — and the Telehealth Member Discount makes it more affordable still.