The Personal pet insurance program

Lifetime coverage

Lifetime coverage is included with all packages, even Bronze Paw. This is especially important if there's a chance your pet may develop a long-term or chronic illness. With lifetime coverage, as long as you renew with us each year, we guarantee to provide coverage and benefits for any illness your insured dog or cat may develop.

Coverage amounts that renew each year

Another advantage of The Personal Pet Insurance Program is that there's no lifetime limit to the amount of coverage in your plan. If your dog or cat develops an ongoing condition or even multiple conditions, your coverage amount will be renewed every year for your dog or cat's entire lifetime as long as you are insured.

Coverage per condition, not combined

Our Pet Insurance benefits are per condition or accident, not combined. For example, if your dog or cat has Bronze Paw coverage, you would receive up to $2,000 towards your veterinary fees for each illness or accident that occurs, each and every year, as long as your policy coverage is in force. With Gold Paw, there are no limits on any accident or illness your pet develops throughout their lifetime, as long as your insurance policy is in force.

Dental coverage

Healthy teeth and gums help prevent other medical conditions from occurring. Dental coverage for your dog or cat is included in our Silver and Gold Paw packages. Although dental isn't included in the Bronze package, there is an affordable option of adding it. You can see what the additional amount would be by simply selecting it as an option while you are doing your online quote.

Remember that no matter what level of dental coverage you add, the amount will be applied towards annual cleaning and treating any ongoing teeth or gum conditions your pet may have.

Revising your coverage

Always make sure that the new level of coverage you choose meets both your current and future financial needs. As with other types of insurance, changing your coverage after a medical condition has already occurred will exclude or restrict the amount payable for that condition in the new policy. For example, if your pet has a condition and you upgrade from Bronze to Silver Paw, you may not be eligible for the full coverage limit of the new policy. You'll still be eligible for the full limits under the Silver Paw plan for any new conditions that may occur after you upgrade the plan. This process applies whether or not you have previously claimed for the pre-existing condition. Your vet will also be required to disclose your dog or cat’s medical history and records upon request.

Exclusions from coverage

Similar to most types of medical insurance coverage, if your pet has a pre-existing condition, it will likely be excluded from coverage. However, all other coverage is typically still available. Keep in mind that pets, like us, often suffer from multiple conditions as they age. So having coverage for them still makes good financial sense.