*Pre-existing conditions are not covered. The information herein is summarized. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit our resources page . Preventive Care reimbursements are based on a schedule. Accident-Only and TOTAL COVERAGESM reimbursements are based on the invoice. Existing Plan Levels 1-3 reimbursements are based on usual and customary eligible costs. Customers still enrolled on product Levels 1-3 should visit the Member Center for your policy benefits. All pet insurance plans have limitations and exclusions. Specific products, features, rates, and discounts may vary by state, eligibility, and are subject to change. Rates depend on the zip code, breed, age and coverage selected.

Plans are underwritten by United States Fire Insurance Company and administered by C&F Insurance Agency, Inc., a Crum & Forster company.

Pre-Existing Conditions

A condition will no longer be considered pre-existing if your pet’s condition has been cured and free from treatment and symptoms for a period of 180 days. Any Illness, disease, injury, or change to your pet’s health that first occurs or shows symptoms before coverage is effective or during a waiting period is considered pre-existing and is not covered. This includes conditions that are related to, secondary, or resultant from a pre-existing condition. Please select any conditions that apply to your pet. These conditions may affect your pet's plan eligibility, but not your premium. If none of these conditions apply to your pet, press × to continue.

If you still have any questions and wish to get a further understanding of a pre-existing condition and/or our coverage options, please call our customer service center at

Have you been here before?

Based on your e-mail address and zipcode, we see you have requested a quote during the last 60 days. Would you like to...

    Quotes based on the information you provided. Rates are subject to change.

You are an existing customer!

We see you are an existing customer, would you like to add this pet to your existing policy?

Please contact customer support at 1-800-935-7280 to add your pet.


You have not selected any pre-existing conditions for your pet. Please press “Okay” if your pet does not have any pre-existing conditions to continue.


You have selected pre-existing conditions for your pet. Changes you made have not been saved, are you sure?

Retrieve Quote

Please provide us with your email address and zip code so we can retrieve your quote.


    NOTE: We can only retrieve quotes from less than 60 days.