The Pet Insurance Place

Licensed in

All 50 states and Washington, DC.

Enrollment Requirements

Dogs must be between 8 weeks and 13 years; cats must be between 8 weeks and 15 years. You must be a US resident. Pets previously diagnosed with chronic or terminal illnesses are only eligible for Level 1 coverage.

Policies for Avians and/or Exotics

No.

Multipet Policies

Each pet must have his or her own individual policy; however, a 10% discount is applied to each policy’s premium when you enroll 2 or more pets in the same level of coverage. Level 1 coverage and the Continuing Care rider are excluded from this discount.

Deductible

$100 annually

Maximum

$1,500, $2,500, $3,500, or $5,000 per-incident, and $8,000, $11,000, or $13,000 annually

Co-pay

20%

Premium

Premiums may be paid monthly or annually; there is a monthly $10.50 annual issuance fee if you choose to pay monthly. Premiums depend greatly on what kind of coverage you choose and range from roughly $10 to $130 a month. They are also dependent on the size of your pet and where you live.

Policy Renewal

Policies are renewed annually, but coverage is not continuous. The waiting period is waived when there is no break in coverage from one year to the next, but any accident or illness your pet has been treated for will become pre-existing and will no longer be covered. See the other things to consider section for more information on this. Policy renewal is automatic; you must request a cancellation of your pet’s policy or you will automatically be billed.

Raise Premiums with Age

Yes.

Raise Premiums with Claim Experience

No.

Pays According to Invoice

No, reimbursement is based on what is considered reasonable and customary for your area.

Requires an Exam or Medical Records

No.

Bilateral Conditions Policy

Bilateral conditions are considered a single incident. Bilateral conditions are covered provided that the original incident isn’t pre-existing.

Hereditary Disorders

No coverage is available.

Congenital Disorders

No coverage is available.

Alternative Care

No coverage is available.

Prescriptions

Yes.

Wellness Care

Yes, Level 3 covers an annual exam and vaccines, and Level 4 covers most aspects of wellness care.

Dental Care

Periodontal disease is not covered; however, dental extractions relating to accident or disease other than periodontal disease are covered. Level 4 covers annual dental cleanings.

Cancer

Yes, provided it is not a pre-existing or hereditary condition. However, without the Continuous Care rider, cancerous conditions will only be covered in the policy year it was first diagnosed.

Coverage for Pregnancy

No.

Travel Coverage

Your pet will receive coverage in all 50 US states and Canada. If you travel outside of these areas, your pet will not be covered.

Riders

A rider for continuous coverage of chronic conditions is available.

How Long Until Coverage Begins

Coverage for wellness care, accidents, and injuries begins the day your policy becomes effective. Illness coverage begins 30 days after your policy’ effective date, and there is a 12 month waiting period for cruciate injury.

Exclusions

Pre-existing conditions, congenital conditions, hereditary conditions, aberrant cilia, dermoid, distichiasis, Entropion/Ectropion etc., CDRM, chronic renal (kidney) failure, deciduous teeth(illness, disease, or trauma), diabetes (insipidus or mellitus), elbow dysplasia (OCD, FCP, UAP), hemophilia, congenital Heart problems including murmurs, failure, cardiomegaly (enlargement of the heart), etc., hip dysplasia, congenital liver conditions, obesity (not due to an underlying medical condition), OCD (including but not limited to the hock, elbow, carpus, and shoulder), osteoarthritis, congenital shunts (including portosystemic shunt), elongated soft palate, stenotic nares, spondylosis, Von Willebrand’s disease, luxating patella, and umbilical hernia. Because policies are issued from state to state, these exclusions may be different in your area. Please be certain to follow the #1 Rule and read the policy.

Select Breeds

No.

Underwriter

United States Fire Insurance Company, which has an AM Best rating of A ‘Excellent’.

BBB

The Hartville Group is an accredited business since 2009 and is listed as PetsMarketing Insurance.com Agency, Inc. They have a rating of A+ and have had 62 closed complaints within the last two years. Click here for more information.

Other things to consider

Any accident, illness, or condition that your pet has that has been cured and has not shown symptoms for 180 days, the condition will no longer be considered pre-existing and that particular condition will be covered again.

Types of Policies

Name of plan: Level 1

Covers: Prescription medications, x-rays, surgery, and hospitilization relating to an accident or injury.

Co-pay: 20%

Deductible: $100 annually

Maximum: $2,500 per-incident, $8,000 annually

Sample policy available here.

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Name of plan: Level 2

Covers: Prescription medications, x-rays, surgery, and hospitilization relating to an accident, injury, or illness.

Co-pay: 20%

Deductible: $100 annually

Maximum: $1,500 per-incident, $8,000 annually

Sample policy available here.

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Name of plan: Level 3

Covers: Prescription medications, x-rays, surgery, and hospitilization relating to an accident, injury, or illness as well as spaying/neutering, standard vaccines, and an annual exam.

Co-pay: 20%

Deductible: $100 annually

Maximum: $3,500 per-incident, $11,000 annually

Sample policy available here.

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Name of plan: Level 4

Covers: Prescription medications, x-rays, surgery, and hospitilization relating to an accident, injury, or illness as well as spaying/neutering, all vaccines, hearworm preventative, and an annual exam.

Co-pay: 20%

Deductible: $100 annually

Maximum: $5,000 per-incident, $13,000 annually

Sample policy available here.

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Name of rider: Continuing Care

Covers: Any condition, injury, or illness that requires continued care.

Co-pay: This item is being researched and will be updated as soon as we find an answer.

Deductible: $100 annually

Maximum: This item is being research and will be updated as soon as we find an answer.

Notes: The deductible and co-pay are in addition to the ones included in the base policies. This rider is not available to add to Level 1 coverage.

Sample policy is unavalable.

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We do our best to make sure all the information available here is accurate and up to date, however it is important for you to verify the information for yourself.

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