The insurance available through our Annual + Insurance plan is an accident-only plan with coverage up to $10,000/year. This means the insurance covers in-person vet costs for your pet due to accidents (such as a car accident, eating something toxic, breaking a bone, or an animal bite), but not regular illnesses or preventive care. You can use this coverage for multiple accidents affecting the covered pet within a year of the policy starting until you reach the $10,000 limit.
When an accident happens, you can go to any vet in the U.S. — no need to talk to one of our vets or Pets Best (our insurance partner) first. You pay the vet, then submit your claim through the Pets Best app or website. They’ll process the claim, then reimburse you for eligible costs after you meet the $250 annual deductible and 10% coinsurance. Can’t pay the vet bill upfront? You can use the Vet Direct Pay option to have the vet get paid directly by Pets Best.
For full details on how the plan works and what’s covered, see the sample policy.