Coverage that grows with your pet
Cancel anytime. Healthy-pet rewards apply to every plan.
Starter
Essential accident coverage
- Accident coverage up to $3,000/yr
- 24/7 tele-vet chat
- Basic health tracking
No charge yet · quick e-sign · cancel anytime
Growth
Most pet parents pick this
- Accident + illness up to $10,000/yr
- Annual checkup included
- Behavior reward discounts
- Priority claims
No charge yet · quick e-sign · cancel anytime
Elite
Total peace of mind
- Unlimited emergency coverage
- Dental + chronic care
- Instant payouts
- Lost pet recovery service
No charge yet · quick e-sign · cancel anytime
Lifetime — One payment. Covered for life.
Pay once. Get Elite-level coverage for your pet's entire life. No renewals, no rate hikes, ever.
- Elite-level benefits for your pet's entire life
- No monthly premiums, ever — pay once, done
- Locked-in rate: never affected by future price increases
- Unlimited emergency, dental, chronic + hereditary care
- Instant payouts + priority claims queue
- Full transferability to a new pet if needed
Quick e-sign · secure Stripe checkout · 30-day money back
🛡️ 30-day money-back guarantee · No medical exam required · Coverage active in 24h
Compare every benefit, side by side
Every plan is fully automated — quiz to coverage to payout. Pick the protection that matches your pet's risk.
| Feature | Starter$19/mo | PopularGrowth$39/mo | Elite$69/mo |
|---|---|---|---|
| Coverage | |||
| Accident coverage | $3,000/yr | $10,000/yr | Unlimited |
| Illness coverage | $10,000/yr | Unlimited | |
| Emergency & surgery | $1,500/yr | $8,000/yr | Unlimited |
| Dental care | Cleanings only | Full dental + extractions | |
| Chronic / hereditary | |||
| Annual wellness checkup | |||
| Claims & payouts | |||
| AI claim review | |||
| Average payout time | 48 hours | 24 hours | Instant |
| Priority claims queue | |||
| Reimbursement rate | 70% | 80% | 90% |
| Annual deductible | $250 | $150 | $0 |
| Care & extras | |||
| 24/7 tele-vet chat | |||
| Behavior reward discounts | |||
| Lost pet recovery service | |||
| Travel coverage (worldwide) | Add-on | ||
| Dedicated care concierge | |||
All plans include cancel anytime, no waiting period for accidents, and instant digital ID card delivered to your inbox.
Common questions
How fast are claims actually paid?+
Most claims are auto-approved by our AI within 60 seconds. Funds land in your bank, card, or PayPal instantly on Elite, within 24 hours on Growth, and within 48 hours on Starter.
Can I cancel anytime?+
Yes. One click in your dashboard cancels immediately, and we refund the unused portion of your billing cycle within 30 days of signup.
Are pre-existing conditions covered?+
We cover everything new. Pre-existing conditions diagnosed before your start date aren't covered, but related future incidents may qualify after a 12-month symptom-free window on Growth and Elite.
Do I need to pick a specific vet?+
No — bring your pet to any licensed vet, worldwide. Upload the invoice in the app and our AI handles the rest.