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[Home](https://www.petco.com/shop/en/petcostore/insurance) / [Pet Insurance](https://www.petco.com/shop/en/petcostore/insurance#)
[Underwriting](https://www.petinsurance.com/underwriting/)
* * *
Your pet‘s name
Zip Code
Dog
Cat
Other Pet Types
Get a quote
# Pet Insurance For Peace of Mind
Putting care first, not financial worries.
Accident plans for dogs starting at $13 per month
* * *
[Get A Quote](https://www.petco.com/shop/en/petcostore/insurance#top)
## Customize Your Coverage
Multiple ways to build your perfect plan.
Accident CoverageAccidents
Required
### Choose up to $5,000 maximum reimbursement per year.
Essential coverage for unexpected veterinary expenses resulting
from accidental injuries.
- 
Broken bones
- 
Animal attack
- 
Hit by car
- 
Lacerations
- 
Poisoning
- [View full coverage details](https://www.petinsurance.com/all-products/)
Modular Pet Insurance plans only. Pre-existing conditions not
covered.
Illness CoverageIllnesses
### Choose up to $10,000 maximum reimbursement per year.
Optional coverage for unexpected veterinary expenses resulting
from illnesses or diseases.
- 
Ear infections
- 
Cancer
- 
Vomiting
- 
X-rays, MRIs
- 
Skin infections
- [View full coverage details](https://www.petinsurance.com/all-products/)
Modular Pet Insurance plans only. Pre-existing conditions not
covered.
Wellness CoverageWellness
### Optional wellness coverage with a maximum annual benefit of $450 or $800.
Get reimbursed for your pet’s routine and preventive care.
- 
Routine exams
- 
Preventive dental cleanings
- 
Vaccinations
- 
Spay/neuter procedures
- 
Flea & tick prevention
- [View full coverage details](https://www.petinsurance.com/all-products/)
Modular Pet Insurance plans only. Dental cleanings and spay/neuter
procedures apply to $800/year Wellness Coverage Plan only.
Reimbursement Percentage
### Get reimbursed from 50% to 80% of all eligible veterinary expenses.†
Choose the option that makes the most sense for your pet and
budget.
50%
70%
80%
* * *
Lowest Cost
More Money Back
†Some exclusions may apply. Certain coverages may be
excluded due to pre-existing conditions. See policy documents for
a complete list of exclusions. Plans may not be available in all
states. Policy eligibility may vary.
Annual Deductible Amount
### Flexible annual deductible options from $250 to $1000.
This is the amount you'll pay each year before insurance
reimbursement begins.
$1000
$500
$250
* * *
Lowest Cost
More Money Back
Modular Pet Insurance plans only.
Questions? Call [844-244-3649](tel:+18442443649)
The Petco \| Nationwide Difference
Protecting dogs, cats, birds, rabbits, reptiles and more ( [full list](https://www.petinsurance.com/exotics/))
* * *
Save An Additional 10%
With Vetco Total Care or Vetco Vaccination Clinics
* * *
24/7 Access
Talk, text or chat with a veterinary expert at **vet** _helpline_ ®
### Coverage begins 14 days after approval
Cancel anytime, risk free.
## Real-Life Savings
Examples of injuries, ailments and how customers are reimbursed.
| 80% Reimbursement Examples | <br> Cutter <br>(Dog) | <br> Winnie <br>(Cat) | <br> Ralphie <br>(Guinea Pig) |
| --- | --- | --- | --- |
| Claim | Foreign Body Ingestion | Bladder Infection | Abscess |
| Typical Vet Bill | $3,215 | $900 | $520 |
| You Pay | $643 | $180 | $104 |
| Reimbursement | $2,572 | $720 | $416 |
80% reimbursement shown after the annual deductible has been met.
Examples only. Actual costs may vary.
## How Reimbursement Works
Reimbursement is as simple as 1, 2, 3.
1
### Visit Your Vet
Bring your pet to any licensed vet, specialist or emergency clinic
of your choice worldwide.
2
### Upload Your Receipt
Submit your claim by uploading your receipt to
[my.petinsurance.com](https://my.petinsurance.com/)
3
### Get Money Back
Once approved, your reimbursements will be directly deposited into
your bank account or a check will be mailed to you.
## Resources
## Resources
[What to Look for When Getting a Quote](https://www.petco.com/content/petco/PetcoStore/en_US/pet-services/resource-center/health-wellness/pet-insurance-for-routine-care.html)
* * *
[Advantages of Pet Insurance](https://www.petco.com/content/petco/PetcoStore/en_US/pet-services/resource-center/health-wellness/pet-insurance-for-routine-care.html)
* * *
[9 Common Health Conditions of Dogs](https://www.petco.com/content/petco/PetcoStore/en_US/pet-services/resource-center/health-wellness/9-common-health-conditions-in-dogs.html)
## Putting Pets and Families First For 100 Years Combined
The industry leaders in pet health & wellness and pet insurance are
now offering the next level in premium pet protection.
## Petco \| Nationwide Insurance FAQs
Cost
Eligibility & availability
Claims
Coverage
Using pet insurance
Shopping for pet insurance
### Cost
How much does dog insurance cost per month?
The monthly premium for a pet insurance plan depends
on the type of coverage selected. Our most popular
plans for dogs start as low as $13/month. Get a quote
today.
How much does cat insurance cost per month?
The monthly premium for a cat insurance plan depends
on the type of coverage selected. Our most popular
plans for cats start as low as $9/month. Get a quote
today.
How much is pet insurance for multiple pets?
The monthly premium depends on the type of coverage
selected. Our most popular coverage starts at around
$90/month for two dogs, which includes a 5% multi-pet
discount. Two cats on our most popular plan would cost
about $42/month. Electing coverage for four or more
pets will increase your discount to 10%. Get a quote
today.
How much does exotic pet insurance cost per month?
The monthly premium for an exotic pet insurance plan
depends on the type of pet and amount of coverage
selected. Our most popular plans are about $20/month.
Call for a quote:
[844-244-3649](tel:+18442443649).
How are my premiums determined?
Monthly premiums for new enrollments depend on your
pet’s species, breed and age, the type of coverage
selected and your ZIP code.
### Pet insurance eligibility and availability
Is a veterinary exam required to enroll in pet insurance?
Typically, we do not require a veterinary exam to
enroll. Depending on the plan selected and the age of
your pet, a physical exam may be required for your pet
within the prior 6-12 months. If we require a physical
exam, we will advise you of this when you apply. We
may also request medical records when you apply or
after you submit a claim.
### Claims
How do I submit a claim?
Visit your veterinarian and pay as usual. Then submit
a claim on
[my.petinsurance.com](https://my.petinsurance.com/).
How long will it take to process my claim?
Claims are typically completed within 5 days from the
time we receive all necessary claim information;
however, if medical records are deemed necessary, they
may take additional time. We will notify you by email
to confirm that your claim has been received and is in
our system for processing.
You may check on the status of your claim by logging
in at
[my.petinsurance.com](https://my.petinsurance.com/). Claim information will be available within 48-72
hours from the date your claim is received.
How long do I have to file a claim?
We ask that you submit your claim within 90 days of
your pet’s treatment for any condition.
Is there a limit to the number of claims I can submit in a
year?
There is no limit on the number of claim submissions.
How will I receive reimbursements?
It's up to you, but we recommend electronic claim
payments. You can set up electronic claim payments at
[my.petinsurance.com](https://my.petinsurance.com/)
when you submit your claim. Otherwise, you can select
to have a check mailed to you. Please note that
reimbursement via electronic claim payments will be
more expedient versus checks.
### Coverage
What do the plans cover?
We offer nose-to-tail coverage for:
- Accidents, including broken bones, sprains,
lacerations and poisoning
- Illnesses, including allergies, ear infections,
arthritis, cancer and more
- Preventive care, including checkups, vaccinations
and flea & tick prevention
**_Options vary based on plans and pet species,_**
**_breed and age._**
What does pet insurance not cover?
Exclusions are things that aren't covered by your
plan, and all pet insurance providers have them. Some
of our exclusions include breeding costs, cosmetic
procedures (like tail docking), waste disposal,
boarding/grooming and pre-existing conditions.
We want to make care accessible to as many pets as
possible, which is why we try to keep exclusions to a
minimum. Please see your policy for full details.
Are pre-existing conditions covered?
Any condition that began or was contracted, manifested
or incurred before the effective date of the policy or
during any waiting period is considered pre-existing
and therefore not covered under our medical plans. For
instance, a chronic condition like diabetes or skin
allergies
_is_ pre-existing if it began
_before_ the effective date of the policy—but
_isn't_ if it began
_after_
the effective date.
If a condition has been noted as pre-existing and
excluded from coverage, the condition may be eligible
for coverage once the condition has been deemed cured
by the attending veterinarian and your pet has been
treatment-free for at least six months (including
dietary or medical management). Chronic conditions or
conditions that cannot be cured are not eligible for
review.
What surgeries are covered in my pet's insurance plan?
Your insurance plan covers anything related to
accidents or illness, including broken bone repair and
removal of a foreign object, unless related to a
pre-existing condition. Find the full list of coverage
[here](https://www.petinsurance.com/plan-restrictions/).
Are there any caps on payouts?
The annual limit for reimbursement depends on the
product and coverage level selected. See policy
documents for details.
Are hereditary conditions covered?
Yes, as long as the condition has coverage under the
particular policy or rider you have selected and there
were no signs or symptoms prior to the policy
effective date.
Is routine care covered?
In select plans, wellness coverage for routine care is
available, including physical exams, vaccinations,
flea & tick prevention and more.
Is there a waiting period after I sign up?
Yes. A 14-day waiting period applies, starting from
the time your application is approved and we receive
payment.
Effective dates may vary depending on your plan, your
state or if you’re enrolling as part of a group or
organization.
What is the annual deductible for pet medical insurance?
Annual deductible options as low as $100 are available
on some plans. You can customize this to fit the best
amount for your situation for each policy term. Most
pet owners choose a $250 annual deductible.
Can I add a policy for a new pet to my existing policy?
You’ll need to enroll your new pet in a separate pet
insurance policy but will be able to manage all your
pets under one account.
Is prescription dog food covered by insurance?
Prescription food is covered under certain plan types
and can be added to other plans with the purchase of
an optional rider, as long as it is not related to a
pre-existing condition or was being used prior to the
policy effective date. Call our sales team at
[844-244-3649](tel:+18442443649) to learn
more about prescription food coverage options.
Can I cancel my policy before the term is up?
Absolutely. You can cancel anytime. The easiest way is
to go to
[my.petinsurance.com](https://my.petinsurance.com/). Your state may also have a Free Look Period (a.k.a.
Right to Examine and Return a Policy) in which you
would have a limited time to get your money back. To
qualify, you must not have filed a claim under the
policy. Participating states require you to notify us
of your choice to exercise the Free Look option within
a specific time frame. Please read your policy for
details. Terms may vary by state.
Can I change my pet insurance policy later?
You can add or reduce coverage only during your annual
policy renewal period. Note: Certain coverage or
product upgrades may require underwriting review.
What are the limitations on coverage and medical costs?
Depending on the plan you select, there could be an
annual maximum on the reimbursement amounts received
for your pet’s health conditions. Based upon the plan
selected, there may be pre-set benefit allowances for
each condition, otherwise there may be coverage based
upon the percentage coverage you select. Remember that
pre-existing conditions are not covered. Please review
your plan details for more information.
Will you drop my pet from coverage because of age?
Never. To get the best coverage options, enroll your
pet when they are young and healthy, and be sure to
keep your policy continually in force (translation:
don't let it lapse or expire). We promise not to drop
your pet because of age. After all, we're pet lovers,
too!
Will all my pets be covered under a single policy?
You’ll need to enroll each of your pets in a separate
pet insurance policy but will be able to manage all
your pets under one account.
### Using pet insurance
Can I use any veterinarian?
Yes. You’re free to use any licensed veterinarian,
including specialists and emergency veterinarians,
anywhere in the world.
How do reimbursements work?
Once you’ve met your annual deductible, if applicable,
we’ll pay you back for covered veterinary expenses
according to the reimbursement percentage you chose
for your plan, up to the category maximum you
selected.
Say you have a $250 annual deductible with $5,000 in
accident coverage at 90% reimbursement. Now let’s say
your dog broke a leg and the vet bill was $2,500, of
which $2,400 was covered (we don’t cover non-medical
things like tax and waste disposal). After your
deductible and 90% are applied, we’d reimburse you
$1,935, leaving you with $3,065 in remaining accident
coverage for the remainder of your policy term.
How do I file a claim?
File a claim in just three easy steps:
1. Visit any licensed veterinarian in the United
States or anywhere else in the world.
2. Quickly and easily submit claims online at
[my.petinsurance.com](https://my.petinsurance.com/)
for things like illnesses, injuries or emergency
care.
3. Receive reimbursements for eligible vet costs
covered under your policy terms.
Where is my insurance accepted?
Your insurance can be used for treatment at any
licensed veterinary clinic worldwide, including
treatment from specialists and emergency care
facilities, as long as there were no signs or symptoms
of the condition prior to the policy effective date.
Remember, this is a reimbursement-based insurance
plan, so you pay the bill and submit a claim for the
services to be reimbursed.
What can I use dog insurance for?
Pet insurance policies reimburse you for your dog’s
veterinary care—including medical costs, wellness and
even hereditary conditions, as long as there were no
signs or symptoms of the condition prior to the policy
effective date. You’re free to use any licensed
veterinarian in the United States or anywhere else in
the world. Find the full list of coverage
[here](https://www.petinsurance.com/plan-restrictions/).
What can I use cat insurance for?
Pet insurance policies reimburse you for your cat’s
veterinary care—including medical costs, wellness and
even hereditary conditions, as long as there were no
signs or symptoms of the condition prior to the policy
effective date. You’re free to use any licensed
veterinarian in the United States or anywhere else in
the world. Find the full list of coverage
[here](https://www.petinsurance.com/plan-restrictions/).
What can I use bird, rabbit, reptile and other pet
insurance for?
Pet insurance plans cover medical services and medical
treatment from any licensed veterinarian in the United
States or anywhere else in the world, as long as there
were no signs or symptoms of the condition prior to
the policy effective date. Simply submit a claim and
we’ll reimburse you for eligible expenses. Find the
full list of coverage
[here](https://www.petinsurance.com/plan-restrictions/).
Can I add a pet?
Yes. You can add as many pets to your account as you'd
like, and we even offer a multi-pet discount! You’ll
need to enroll your new pet in a separate pet
insurance policy but will be able to manage all your
pets under one account.
How do I cancel my plan?
If at any point in your policy you need to cancel your
insurance plan, contact Nationwide Member Care at
[844-244-3649](tel:+18442443649).
How can I view my policy?
Sign into your account on or review the documents
provided at each term of the policy.
I haven't received my reimbursement, now what?
You can check the status of your claim at any time on
your member portal at
[my.petinsurance.com](https://my.petinsurance.com/).
How do I edit my billing/payment info?
You can change your billing and payment information at
[my.petinsurance.com](https://my.petinsurance.com/).
### Shopping for pet insurance
How does Petco \| Nationwide Pet Insurance compare to other
pet insurance offerings?
A lot of pet insurance companies have come and gone.
The key to picking one you can count on is stability
and experience. Petco and Nationwide have been
building trust with pets and families for over 100
years combined. Together we offer:
- The most customizable plan that makes caring for
your pet more affordable.
- Protection for more pets than any other carrier,
because birds, rabbits and reptiles are family
members too.
- The ability to enroll your pet and purchase
insurance on
[petco.com](https://www.petco.com/shop/en/petcostore).
- The most comprehensive coverage for your pets.
Proudly providing pet parents with the kind of
coverage we want for our own pets.
What should I look for in an insurance company?
The best pet insurance for you is one that provides a
level of coverage you’re comfortable with and fits
your budget for monthly premiums. When choosing your
plan, consider how much medical care (for accidents
and illnesses) is typical for your pet’s breed and
whether you want wellness coverage for preventive
care.
How much does pet medical care typically cost?
The amount of coverage you choose depends on your
budget and each of your pet’s different needs. Factors
to consider include how much medical care is typical
for each pet’s breed and whether you want wellness
coverage for expected costs like checkups and
vaccinations.
Why do I need insurance for my pet?
As a pet parent, you want to make sure providing the
best care possible for your pet doesn’t become a
financial burden. Pet insurance policies reimburse you
for your pet’s medical care so you can focus on
keeping your pet healthy—not on what it costs, so that
you are ready and able to help your pet whenever
something happens.
When is the best time to buy pet insurance?
It’s a good idea to enroll your pet in a pet insurance
plan as early as possible, before chronic conditions
develop or your pet needs any medical care that could
put limitations on your coverage.
Do indoor cats need insurance?
Even indoor cats can get sick or hurt. Illnesses like
kidney disease and thyroid problems affect many cats,
and injuries can happen unexpectedly, even inside your
home.
Which types of exotic pets are covered?
- Chinchilla
- Gerbil
- Goat
- Guinea Pig
- Hamster
- Hedgehog
- Mini Pig
- Mouse
- Potbellied Pig
- Rat
- Sugar Glider
- Rabbit
- Ferret
- African Grey
- Amazon
- Canary
- Cockatiel
- Cockatoo
- Conure
- Finch
- Lory
- Lovebird
- Macaw
- Mynah
- Parakeet
- Parrotlet
- Toucan
- Amphibians, including toads
- Bearded Dragon
- Chameleon
- Frilled Dragon
- Gecko
- Iguana
- Monitor Lizard
- Snake
- Tegu
- Tortoise
- Uromastyx
- Water Dragon
Some species of pets are not eligible for coverage. These
species include but are not limited to:
- Venomous or poisonous species
- Endangered or threatened species
- Any species that is illegal to own under
applicable state or federal law
- Hybrids of domesticated pets with a wild species
Can a senior pet still get coverage?
It’s always a good idea to have a pet insurance plan,
no matter your pet’s age. If you’re enrolling your
older pet in a medical plan for the first time,
certain things may be excluded from coverage as
pre-existing.
Are there any conditions that would make my pet ineligible
for enrollment?
We want to protect as many pets as possible, but there
are some conditions that may make your pet ineligible
for enrollment. For instance, you must call to confirm
if a cat who has been diagnosed with feline leukemia
virus (FeLV) is eligible for coverage.
What are pre-existing conditions?
A pre-existing condition means any condition that
began or was contracted, manifested or incurred before
the effective date of your policy or during any
waiting period, whether or not the condition was
discovered, diagnosed or treated. A chronic condition
is a pre-existing condition unless it began after the
effective date of your policy. To learn more, check
out this helpful
[video](https://www.youtube.com/watch?v=Dl80YlXtg-Y).
Some examples of pre-existing conditions:
1. A veterinarian diagnoses the need for a thorough
dental cleaning. If your veterinarian indicated
this cleaning is recommended prior to the start of
your policy or during the waiting period, dental
tartar/periodontitis would be considered
pre-existing.
2. Your pet is limping prior to enrollment. A few
months into your policy, a veterinarian diagnoses
hip dysplasia and notes it in your pet’s medical
records. Hip dysplasia would be considered
pre-existing.
### Need Help?
Call us at [844-244-3649](tel:+18442443649)
Monday to Friday
5 a.m. to 7 p.m. (PST)
Saturday
7 a.m. to 3:30 p.m. (PST)
Petco Vital Care is not an insurance product and not regulated as
insurance. Petco is responsible for the product and its administration.
Insurance products underwritten by Veterinary Pet Insurance Company
(CA), Columbus, OH; National Casualty Company (all other states),
Columbus, OH. Agency of Record: DVM Insurance Agency. All are
subsidiaries of Nationwide Mutual Insurance Company. Subject to
underwriting guidelines, review and approval. Products and discounts not
available to all persons in all states. Insurance terms, definitions and
explanations are intended for informational purposes only and do not in
any way replace or modify the definitions and information contained in
individual insurance contracts, policies or declaration pages, which are
controlling. Nationwide, the Nationwide N and Eagle, and Nationwide is
on your side are service marks of Nationwide Mutual Insurance Company.
©2023 Nationwide.
100% money-back guarantee if you cancel within 10 days of the effective
date if no claims have been submitted. May vary by state.
Some exclusions may apply. Certain coverages may be excluded due to
pre-existing conditions. See policy documents for a complete list of
exclusions. Plans may not be available in all states. Policy eligibility
may vary.
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