Pet insurance covers veterinary treatment expenses for a pet that has fallen ill or been injured. Depending on the policy, it may also offer compensation in the unfortunate event of the pet's death or if it goes missing. With the advancements in veterinary medicine, treatments, and medications have become more expensive. Furthermore, pet owners have higher expectations for their pet's healthcare and overall well-being. This has led to a rise in demand for pet insurance.

To cater to the diverse needs of pet owners, insurance companies are now offering more customization options. Pet owners can choose their deductible or co-insurance levels, which gives them greater control over their monthly premiums and allows them to select the coverage that best suits their requirements.

Some of the differences in insurance coverage are:

Whether congenital and hereditary conditions (like hip dysplasia, heart defects, eye cataracts, or diabetes) are covered;
How the reimbursement is calculated (based on the actual vet bill, a benefit schedule, or usual and customary rates);
Whether the deductible is on a per-incident or an annual basis;
Whether there are any limits or caps applied (per incident, per year, age, or over the pet’s lifetime); and
Whether there is an annual contract that determines anything diagnosed in the previous year of coverage is considered pre-existing the next year.

Contact Info

(607) 217-5202

2001 East Main Street
Endicott, NY 13760

Monday – Friday: 8am – 5pm
No after-hours emergency care is available at this time.