Get A Quote For Maryland and Pennsylvania Pet Insurance
Are you worried about costly veterinary care impacting your pet's health? With Maryland and Pennsylvania pet insurance, you can manage unexpected vet bills, ensuring your cat or dog receives the care they need. Our plans cover not only emergency and specialty care but also routine annual visits, keeping your furry friend happy and healthy. Simply submit your eligible expenses as a claim after your vet visit, and enjoy peace of mind knowing your pet is protected.
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Maryland & Pennsylvania Pet Insurance Plan options
Extensive coverage plans
Accidents and illnesses
Our pet insurance vendors offer plans that cover both injuries and pet illnesses, no matter how serious. These comprehensive plans cover emergency care, diagnostic testing, specialist visits, and more. You can also customize your deductible, reimbursement percentage, and annual limit.
Wellness plans
Routine and preventive care
Our pet insurance vendors offer standalone wellness plans that you can purchase alone or alongside your accident and illness plan and offers two tiers of wellness plans that you can add on to your accident and illness pet insurance plan. Both of these plans help you pay for routine care, including wellness checkups, vaccinations, teeth cleaning, and more — all without paying any deductible.
Accident Only plan
Accidental injuries
Our pet insurance vendors offer an affordable, fixed-price pet insurance plan for broken bones, bite wounds, accidental swallowing of foreign objects, and other common unexpected injuries. These plans are designed for those on a budget who still want to make sure they can afford proper care for their dog or cat if they're injured.
What does pet insurance cover?
Before choosing a pet insurer and plan, make sure you know exactly how your dog or cat is covered. Insurers will have different coverages, but they typically fall into these categories and may exclude pre-existing conditions:
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Accidents such as cuts, lacerations, broken legs, ingestions, and swallowed objects
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Illnesses such as arthritis, allergies, skin and ear infections, diabetes, and cancer
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Hereditary and congenital conditions like elbow and hip dysplasia, glaucoma, epilepsy, luxating patella, and cherry eye (if symptoms aren't present before coverage is purchased)
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Routine care for preventative procedures such as annual exams, vaccinations, bloodwork, and dental cleanings — for an extra cost
For accidents and illnesses, you can generally choose between accident-only plans, which only cover treatment for accident-related injuries, or comprehensive plans that cover both accidents and illnesses. Routine care, such as vaccinations, preventative dental care, and spaying or neutering may be covered by a separate pet wellness plan.
What doesn't pet insurance cover?
Pet insurers won't offer coverage for pre-existing conditions. Additionally, pet pregnancies and non-vet related costs like grooming and boarding are generally excluded from coverage.
How pricing works
You'll likely pay a monthly or annual premium for pet insurance. The comprehensive accident and illness plans allow you to choose what percentage of your eligible vet bills you want to be reimbursed for, as well as your pet insurance deductible amount. The higher your deductible and the lower your reimbursement percentage, the less your premiums will cost.
If your pet requires treatment for a covered accident, illness, or procedure, you'll pay the veterinarian directly and file a claim with your pet insurer. When filing your claim, you'll likely need to submit the invoice and/or receipt from your pet's vet visit, so remember to save relevant documents. Your insurer will evaluate your claim and either deposit the funds you qualify for into your bank account or send you a check.
Does pet insurance cover any pets besides cats and dogs?
Not typically. You'll need an insurer that specializes in exotic pets. When it comes to pet insurance, "exotic" can be used to describe any animal that isn't a cat or dog.