Pet insurance, minus the fog

The bill is
$3,840.
You'd pay $968.

That's a torn knee ligament on a four-year-old Lab — one of the most common surgeries in dogs. Here's the actual invoice, and exactly which part a plan covers.

One email when coverage is available. Nothing else, ever.

  • Any licensed vet
  • No sold leads
  • A real producer, not a call centre
ITEMIZED INVOICE
Torn cruciate ligament (TPLO surgery), 4-year-old Labrador

Exam & triage$95
Radiographs, 2 views$310
Pre-surgical bloodwork$185
Anesthesia$420
TPLO surgery, right stifle$2,450
Post-op medication & bandaging$380

Invoice total$3,840
Less deductible$250
Plan reimburses 80% of $3,590$2,872
You pay$968

Illustration using a $250 annual deductible, 80% reimbursement, and a $10,000 annual limit. Not a quote — your numbers depend on your pet and the plan you choose.

What's covered

The stuff you can't plan for.

A plan is for the bill that arrives without warning — not the check-up you already budget for.

Accidents

The sudden, expensive things — a fall, a fight, a swallowed sock.

  • Broken bones
  • Torn ligaments
  • Swallowed objects
  • Lacerations & bite wounds
  • Toxic ingestion

Illness

Diagnosis and treatment of conditions that develop after coverage starts.

  • Cancer
  • Diabetes
  • Skin & ear infections
  • Digestive illness
  • Hereditary conditions

Diagnostics & care

The work it takes to find out what's wrong, and to fix it.

  • Bloodwork & imaging
  • Surgery & hospitalization
  • Prescription medication
  • Specialist referrals
  • Emergency visits
Read this part twice

Four things nobody tells you.

Every carrier applies these. We'd rather you hear it now than at the claims desk.

1

Pre-existing conditions

Anything your pet showed signs of before coverage started, whether or not it was diagnosed. This is the single biggest reason to enroll while a pet is healthy — and the single biggest source of denied claims.

2

Waiting periods

Coverage starts after a waiting period, typically a few days for accidents and around two weeks for illness. Orthopedic conditions often wait longer.

3

Routine & preventive care

Vaccines, annual exams, dental cleanings, and spay/neuter are not covered by an accident-and-illness plan. Some carriers sell a separate wellness add-on for these.

4

Cosmetic and elective procedures

Tail docking, ear cropping, declawing, and anything else not medically necessary.

How a claim goes

You pay the vet. We get you paid back.

1

You go to any licensed vet

No networks. Your vet doesn't need a relationship with the carrier — you keep whoever you already trust.

2

You pay the clinic

Almost every pet plan reimburses you rather than paying the vet directly. Plan for that at checkout.

3

You file the invoice

Send the itemized invoice and the visit notes. Straightforward claims are usually settled within a couple of weeks.

4

You're reimbursed

Your deductible comes off first, then the plan pays its percentage of what's left, up to your annual limit.

See the full math on that bill →

We'll tell you the day we can quote it.

Scruff is a licensed Utah producer finalising pet carrier appointments. One email when it's ready — never a call centre, never a sold lead.

One email when coverage is available. Nothing else, ever.