All pets are covered in the event of an emergency, even if that emergency relates to a pre-existing condition — that's part of what makes us different compared to traditional insurance plans 😊.

Pre-existing conditions are covered to the extent, that if your pet is having a life-threatening emergency, it will be covered up to $3,000 even if it relates to a pre-existing condition. We do not cover any routine visits, check-ups, vaccinations or any other scheduled appointments. Only emergencies that require immediate attention.

  • For example, if your pet has cancer and has a scheduled amputation appointment, that would not be covered by the emergency fund. However, if your pet has cancer and has a sudden collapse or serious reaction and needs immediate care, that would be covered by the emergency fund.

The fund cannot be used to cover a planned surgery or issue-related appointment, or routine check-ups and wellness visits.

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