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Pet Insurance

from Insurance Services Group

Pet Insurance

We love our furry family members and there is no way to anticipate what will happen in the future – you can’t predict when your pet will get sick, or how much it will cost. You never want an urgent decision at the vet’s office to come down to how much is in your savings accounts. Having Pet Insurance enables you to take care of your pets without the financial burden. Our carrier partners at Safeco Insurance recently launched a new product in Washington to help pet owners find peace of mind. We’ve laid out more information about Safeco’s product below and you can start an online quote in several easy steps too. Let us help keep your Fido feeling healthy!

What is pet insurance?

Pet insurance is coverage that can help you manage veterinary costs. It’s actually a form of property insurance, which may sound a little strange as we don’t usually think of our pets as anything other than furry members of our family. It works similarly to an auto or homeowners’ policy and reimburses you for covered incidents.

Why do I need coverage for my pet?

Like our own health crises, pet medical emergencies often happen out of the blue. A lot of time an unexpected vet bill means adding to your credit card or draining your savings account. Unfortunately, in some cases it can mean having to say no to recommended tests or treatment. Pet insurance reimburses you for covered vet bills, so you can focus on the well-being of your pet instead of the cost.

How does my pet qualify?

As long as your cat or dog is at least 8 weeks old, your pet is eligible for enrollment.

What does pet insurance cover?

  • Accidental injuries (including to permanent teeth)
  • Ingestion of a foreign object (up to two treatments max per policy year)
  • Accidental death
  • Illnesses (e.g., cancer, influenza, and kennel cough)
  • Alternative medicine
  • Behavioral therapy
  • Hereditary and congenital conditions
  • Euthanasia or anesthesia
  • Cremation and burial expenses

Wellness coverage is available, which includes fixed payment amounts for the following (not subject to deductible and annual maximum)

  • Wellness exams
  • Intestinal deworming
  • Routine dental cleaning
  • Flea and tick prevention
  • Heartworm tests and medication
  • Dietary food and supplements
  • Prescription medications
  • Boosters and vaccinations

What doesn’t Pet Insurance Cover?

  • Pre-existing conditions 
  • Cosmetic procedures 
  • Procedures and/or costs associated with breeding or pregnancy 

Can I get a discount for having multiple pets?

Each pet will have their own policy and premium and each additional pet qualifies for a discount.

Looking for a quote from Safeco? See coverage details below

  • Safeco offers two types of coverage- Accident & illness and Accident, Illness, & Wellness.
  • Reimbursement options of 70%, 80%, or 90% of eligible charges.
  • Annual deductible options of $250, $500, or $1,000.
  • Annual coverage limit options including $5,000, $10,000, or $15,000.
  • Discounts available for multiple pets, multiple Safeco policies, and military status.
  • Wellness coverage offers fixed payment amounts for preventive care services, prescriptions, medications, and vaccinations, and are not subject to deductible and annual maximum.
  • All policies are subject to a 14-day waiting period.