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Illustrated shingle house with a wraparound porch on the left, a golden retriever sitting on the steps among hydrangeas and a cat in an upstairs window, and on the right a large tree over a stone wall with a purple ball on top and a glimpse of the water, an open lawn between them

Pet insurance

for the vet bills
nobody plans for.

Accidents, illnesses and the emergency visit at 2am. We compare pet plans and help you file when it counts.

get started

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THREE

good dogs, bad days.

Swallowed corn cobs, torn ligaments, sudden illness. Tap around the house to see what’s covered, and what isn’t.

Illustrated cutaway of a house: a golden retriever chewing a corn cob beside a tipped-over trash can in the kitchen, a cat curled up on the living room sofa, leashes by the back door and a curly-haired dog lying in the backyard holding up a hind leg

covered

Milo swallows a corn cob

Emergency surgery and the hospital stay.

covered

Your cat gets sick

Tests, diagnosis and treatment.

usually covered

A torn ligament after a jump

Surgery and rehab, after any waiting period.

covered

The vet bill arrives

Pay the vet, then get most of it back.

covered

Milo swallows a corn cob

Emergency surgery and the hospital stay.

Examples. Your policy sets the details.

big vet bill?
get most of it back.

Pet insurance pays you back. We help you file it right the first time.

  1. 1. Pay the vet

    Get your pet the care they need.

  2. 2. Send the bill

    Snap the invoice. We help you file it.

  3. 3. Get paid back

    Most of the bill, after your deductible, back to you.

the best price, without the shopping.

Tell us about your pet once. We compare the plans and bring back your options, side by side.

Milo, 3

your options

$58a month, 90% back

3 options, same coverage

Option A$58

Option B$64

Option C$76

Golden retriever3 years oldAustin, TX$250 deductible
compare your options
same
coverage,
best price
get startedAlready insured? Send your policy

switching takes one signature.

Keep your broker until the numbers say move. We do the paperwork.

  1. 1. Send your policy

    Your current policy is enough. No forms.

  2. 2. We compare

    Coverage, service and price, side by side with today’s options.

  3. 3. You choose

    Stay or switch. If you switch, we handle the paperwork.

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Put them on one program and we shop them together at every renewal.

good to know.

Straight answers about pet insurance.

What does pet insurance cover?
Most accident and illness plans cover eligible vet costs for new injuries and illnesses, like swallowed objects, broken bones, infections, cancer and surgery. Routine care, like checkups and vaccines, is usually excluded unless you add a wellness plan. Details vary by plan.
Are preexisting conditions covered by pet insurance?
Usually not. Conditions that showed signs before coverage started, or during a waiting period, are typically excluded. Some plans treat certain conditions as curable and may cover them after a symptom-free period. Insuring while your pet is young and healthy avoids most of this.
How does pet insurance reimbursement work?
Most plans pay you back. You pay the vet, send the invoice, and the plan reimburses a set percentage of the eligible bill after your deductible, up to your annual limit. The percentage, deductible and limit depend on the plan you choose. Some plans can pay the vet directly.
Is there a waiting period for pet insurance?
Usually, yes. Many plans have a short waiting period for accidents and a longer one for illnesses, and orthopedic conditions like ligament tears can have longer waits still. The exact periods depend on the plan and sometimes the state. Anything that starts during a waiting period is typically excluded.
Does pet insurance cover routine care?
Usually not on an accident and illness plan. Checkups, vaccines, dental cleanings and flea prevention are typically covered only by an optional wellness add-on, which works more like a budget for predictable costs than insurance. Compare the add-on’s price with what you’d spend on routine care anyway.

see what your
program is missing.

Most have gaps. Find yours with a policy review.

get startedor call 802-GOT-RIZA