Three dials
decide everything.
Deductible, reimbursement percentage, annual limit. Every pet plan you'll ever be shown is just those three numbers arranged differently — and the price moves when you move them.
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.
Deductible
What you cover before the plan pays anything. Usually annual, so you clear it once a year rather than every visit. Higher deductible, lower premium, more exposure.
Reimbursement
The share of the remaining bill you get back. Usually 70, 80 or 90%. The rest stays yours no matter how big the claim gets.
Annual limit
The most a plan pays in a year. Past that, it's on you. Some plans are unlimited and priced like it.
Worked through, on that bill.
Illustration only. Your premium depends on your pet's species, breed, age, and where you live.
You pay the vet. We get you paid back.
You go to any licensed vet
No networks. Your vet doesn't need a relationship with the carrier — you keep whoever you already trust.
You pay the clinic
Almost every pet plan reimburses you rather than paying the vet directly. Plan for that at checkout.
You file the invoice
Send the itemized invoice and the visit notes. Straightforward claims are usually settled within a couple of weeks.
You're reimbursed
Your deductible comes off first, then the plan pays its percentage of what's left, up to your annual limit.