Pet Insurance

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Every 6 seconds, a U.S. pet owner is faced with a veterinary bill over $3,000. With a reliable pet insurance policy, you can cut these costs — and not your pet's care.

Our partner, Petplan, can help pay your vet bills if your dog or cat gets sick or injured. So when it comes time to make decisions about your pet's health, you can say yes to your vet without worrying about the expense.

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It's simple: you pay your veterinarian, send in your claim, and Petplan pays you back (based on the reimbursement percentage you choose for your policy).

All Petplan policies through Esurance cover the treatment your veterinarian recommends to get your 4-legged friend back on its paws after an unexpected illness or injury (up to the limits you choose for your policy, as long as the condition did not pre-exist the policy or occur during the policy waiting period).

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Treatments your pet could be covered for include:

• Prescription medications
• X-rays, MRI, and other imaging
• Laboratory and diagnostic testing
• Hospitalization and surgery
• Cancer treatment
• Hereditary conditions
• Dental conditions
• Long-term chronic conditions (like diabetes or hip dysplasia)
• Alternative treatments (like acupuncture or hydrotherapy)

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Filing claims with Petplan is easy, and can even be done via their easy-to-use mobile app. Just log in, upload photos of documentation, and hit submit. No faxing, no paperwork. Simple as that!

Your reimbursement will be based on the actual amount you paid to the veterinary clinic, instead of a benefit schedule or a fee determined by the insurer. That means you'll never max out per-incident or per-illness caps on coverage — because there aren't any. Instead, there's a simple annual limit of up to $22,000, depending on the coverage package you choose.

Once your pet is covered with Petplan, they're covered for life. While many insurers exclude chronic conditions as pre-existing once the policy term expires, Petplan covers chronic conditions year after year — with no individual price increases based on claims activity — as long as the policy is renewed each year without a break in coverage. In other words, Petplan never raises your premium just because you've made a claim.

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