Coverage that keeps up with your dog

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.

Most carriers insure pets of all ages, though some cap the enrollment age for new policies and premiums are higher for older pets. Yes — like most insurance, premiums generally rise as your pet ages and vet costs climb. Enrolling while your pet is young locks in coverage before conditions become pre-existing and keeps your starting price lower.

Yes on eligible plans. Cancer treatment, hereditary and congenital conditions (like hip dysplasia and heart defects), and emergency and specialist care are all covered on our Complete and Signature plans, as long as they aren't pre-existing. These are exactly the high-cost events insurance exists to protect you from.

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.