what’s covered

Top 50 dog conditions

Top 50 cat conditions

We've got you covered for hundreds of conditions. Here's a sampling of the top 50.


  • Abrasion

    comprehensiveSM

    $350 covered per year

    economicalSM

    $175 covered per year

    emergencySM

    $0 covered per year

    abrasion scratches cuts

  • Addison's disease

    comprehensiveSM

    $900 covered per year

    economicalSM

    $450 covered per year

    emergencySM

    $0 covered per year

    add addison's disease

  • Allergic reaction

    comprehensiveSM

    $395 covered per year

    economicalSM

    $195 covered per year

    emergencySM

    $0 covered per year

    allergic reaction

  • Arthritis

    comprehensiveSM

    $600 covered per year

    economicalSM

    $300 covered per year

    emergencySM

    $0 covered per year

    Arthritis joints

  • Bladder infection

    comprehensiveSM

    $830 covered per year

    economicalSM

    $415 covered per year

    emergencySM

    $0 covered per year

    Bladder infection

  • Bladder stones

    comprehensiveSM

    $365 covered per year

    economicalSM

    $180 covered per year

    emergencySM

    $0 covered per year

    Bladder stones

  • Bloody vomiting and diarrhea

    comprehensiveSM

    $970 covered per year

    economicalSM

    $485 covered per year

    emergencySM

    $0 covered per year

    Bloody vomiting diarrhea

  • Bronchitis

    comprehensiveSM

    $440 covered per year

    economicalSM

    $220 covered per year

    emergencySM

    $0 covered per year

    Bronchitis

  • Bruise or contusion

    comprehensiveSM

    $760 covered per year

    economicalSM

    $380 covered per year

    emergencySM

    $265 covered per year

    Bruise contusion

  • Chronic kidney disease

    comprehensiveSM

    $680 covered per year

    economicalSM

    $340 covered per year

    emergencySM

    $0 covered per year

    Chronic kidney disease

  • Corneal ulcer

    comprehensiveSM

    $600 covered per year

    economicalSM

    $300 covered per year

    emergencySM

    $230 covered per year

    Corneal ulcer

  • Cushing's disease

    comprehensiveSM

    $770 covered per year

    economicalSM

    $385 covered per year

    emergencySM

    $0 covered per year

    Cushing's disease

  • Cute or bite wound

    comprehensiveSM

    $750 covered per year

    economicalSM

    $375 covered per year

    emergencySM

    $300 covered per year

    cut bite wound

  • Degenerative disc disease

    comprehensiveSM

    $740 covered per year

    economicalSM

    $370 covered per year

    emergencySM

    $0 covered per year

    degenerative disc disease

  • Diabetes

    comprehensiveSM

    $870 covered per year

    economicalSM

    $435 covered per year

    emergencySM

    $0 covered per year

    Diabetes

  • Dry eyes

    comprehensiveSM

    $350 covered per year

    economicalSM

    $175 covered per year

    emergencySM

    $0 covered per year

    Dry eyes

  • Ear infection

    comprehensiveSM

    $650 covered per year

    economicalSM

    $325 covered per year

    emergencySM

    $0 covered per year

    ear infection

  • Eye infection

    comprehensiveSM

    $420 covered per year

    economicalSM

    $210 covered per year

    emergencySM

    $0 covered per year

    Eye infection

  • Foreign body stomach

    comprehensiveSM

    $620 covered per year

    economicalSM

    $310 covered per year

    emergencySM

    $325 covered per year

    foreign body stomach

  • Fungal skin disease

    comprehensiveSM

    $270 covered per year

    economicalSM

    $135 covered per year

    emergencySM

    $0 covered per year

    fungal skin disease

  • Heart failure

    comprehensiveSM

    $230 covered per year

    economicalSM

    $115 covered per year

    emergencySM

    $0 covered per year

    heart failure

  • Heart valve dysfunction

    comprehensiveSM

    $660 covered per year

    economicalSM

    $330 covered per year

    emergencySM

    $0 covered per year

    Heart valve dysfunction

  • Inflamed pancreas

    comprehensiveSM

    $1160 covered per year

    economicalSM

    $580 covered per year

    emergencySM

    $0 covered per year

    Inflamed pancreas

  • Inflamed trachea

    comprehensiveSM

    $265 covered per year

    economicalSM

    $130 covered per year

    emergencySM

    $0 covered per year

    Inflamed trachea

  • Inflammatory bowel disease

    comprehensiveSM

    $1160 covered per year

    economicalSM

    $580 covered per year

    emergencySM

    $0 covered per year

    Inflammatory bowel disease

  • Insect bite or sting

    comprehensiveSM

    $480 covered per year

    economicalSM

    $240 covered per year

    emergencySM

    $190 covered per year

    Insect bite sting

  • Intestinal upset

    comprehensiveSM

    $630 covered per year

    economicalSM

    $315 covered per year

    emergencySM

    $0 covered per year

    Intestinal upset

  • Kennel cough

    comprehensiveSM

    $510 covered per year

    economicalSM

    $255 covered per year

    emergencySM

    $0 covered per year

    Kennel cough

  • Liver disease

    comprehensiveSM

    $720 covered per year

    economicalSM

    $360 covered per year

    emergencySM

    $0 covered per year

    Liver disease

  • Lung infection

    comprehensiveSM

    $610 covered per year

    economicalSM

    $305 covered per year

    emergencySM

    $0 covered per year

    Lung infection

  • Lyme disease

    comprehensiveSM

    $335 covered per year

    economicalSM

    $165 covered per year

    emergencySM

    $0 covered per year

    Lyme disease

  • Lymph node cancer

    comprehensiveSM

    $1230 covered per year

    economicalSM

    $615 covered per year

    emergencySM

    $0 covered per year

    Lymph node cancer

  • Muscle sprain

    comprehensiveSM

    $760 covered per year

    economicalSM

    $380 covered per year

    emergencySM

    $265 covered per year

    Muscle sprain

  • Open skin infection

    comprehensiveSM

    $390 covered per year

    economicalSM

    $195 covered per year

    emergencySM

    $0 covered per year

    Open skin infection

  • Oral growth

    comprehensiveSM

    $700 covered per year

    economicalSM

    $350 covered per year

    emergencySM

    $0 covered per year

    Oral growth

  • Oral trauma

    comprehensiveSM

    $730 covered per year

    economicalSM

    $365 covered per year

    emergencySM

    $395 covered per year

    Oral trauma

  • Seizure disorders

    comprehensiveSM

    $620 covered per year

    economicalSM

    $310 covered per year

    emergencySM

    $0 covered per year

    Seizure disorders

  • Skin allergies

    comprehensiveSM

    $560 covered per year

    economicalSM

    $280 covered per year

    emergencySM

    $0 covered per year

    Skin allergies

  • Skin cancer

    comprehensiveSM

    $1560 covered per year

    economicalSM

    $780 covered per year

    emergencySM

    $0 covered per year

    Skin cancer

  • Skin cyst

    comprehensiveSM

    $1410 covered per year

    economicalSM

    $705 covered per year

    emergencySM

    $0 covered per year

    Skin cyst

  • Skin growth

    comprehensiveSM

    $1410 covered per year

    economicalSM

    $705 covered per year

    emergencySM

    $0 covered per year

    Skin growth

  • Skin infection

    comprehensiveSM

    $400 covered per year

    economicalSM

    $200 covered per year

    emergencySM

    $0 covered per year

    Skin infection

  • Skin tumor

    comprehensiveSM

    $1410 covered per year

    economicalSM

    $705 covered per year

    emergencySM

    $0 covered per year

    Skin tumor

  • Tooth removal

    comprehensiveSM

    $500 covered per year

    economicalSM

    $250 covered per year

    emergencySM

    $0 covered per year

    Tooth removal

  • Torn knee ligaments

    comprehensiveSM

    $3290 covered per year

    economicalSM

    $1645 covered per year

    emergencySM

    $2085 covered per year

    Torn knee ligaments

  • Torn nail

    comprehensiveSM

    $670 covered per year

    economicalSM

    $335 covered per year

    emergencySM

    $220 covered per year

    Torn nail

  • Tumor in the spleen

    comprehensiveSM

    $1805 covered per year

    economicalSM

    $900 covered per year

    emergencySM

    $0 covered per year

    Tumor in the spleen

  • Underactive thyroid levels

    comprehensiveSM

    $630 covered per year

    economicalSM

    $315 covered per year

    emergencySM

    $0 covered per year

    Underactive thyroid

  • Upset stomach

    comprehensiveSM

    $860 covered per year

    economicalSM

    $430 covered per year

    emergencySM

    $0 covered per year

    Upset stomach

  • Urinary incontinence

    comprehensiveSM

    $460 covered per year

    economicalSM

    $230 covered per year

    emergencySM

    $0 covered per year

    Urinary incontinence

  • Abrasion

    comprehensiveSM

    $350 covered per year

    economicalSM

    $175 covered per year

    just for catsSM

    $125 covered per year

    abrasion scratches cuts

  • Acne

    comprehensiveSM

    $560 covered per year

    economicalSM

    $280 covered per year

    just for catsSM

    $0 covered per year

    acne

  • Acquired bladder disorder

    comprehensiveSM

    $1490 covered per year

    economicalSM

    $745 covered per year

    just for catsSM

    $0 covered per year

    acquired bladder disorder

  • Allergic reaction

    comprehensiveSM

    $395 covered per year

    economicalSM

    $195 covered per year

    just for catsSM

    $0 covered per year

    allergic allergies reaction

  • Anemia

    comprehensiveSM

    $430 covered per year

    economicalSM

    $215 covered per year

    just for catsSM

    $0 covered per year

    Anemia

  • Arthritis

    comprehensiveSM

    $600 covered per year

    economicalSM

    $300 covered per year

    just for catsSM

    $0 covered per year

    Arthritis joints

  • Asthma

    comprehensiveSM

    $440 covered per year

    economicalSM

    $220 covered per year

    just for catsSM

    $600 covered per year

    Asthma

  • Bladder infection

    comprehensiveSM

    $830 covered per year

    economicalSM

    $415 covered per year

    just for catsSM

    $0 covered per year

    Bladder infection

  • Bronchitis

    comprehensiveSM

    $440 covered per year

    economicalSM

    $220 covered per year

    just for catsSM

    $600 covered per year

    Bronchitis

  • Bruise or contusion

    comprehensiveSM

    $760 covered per year

    economicalSM

    $380 covered per year

    just for catsSM

    $600 covered per year

    Bruise contusion

  • Chronic kidney disease

    comprehensiveSM

    $680 covered per year

    economicalSM

    $340 covered per year

    just for catsSM

    $600 covered per year

    Chronic kidney disease

  • Corneal ulcer

    comprehensiveSM

    $600 covered per year

    economicalSM

    $300 covered per year

    just for catsSM

    $0 covered per year

    Corneal ulcer

  • Constipation

    comprehensiveSM

    $480 covered per year

    economicalSM

    $240 covered per year

    just for catsSM

    $600 covered per year

    Constipation

  • Cut or bite wound

    comprehensiveSM

    $750 covered per year

    economicalSM

    $375 covered per year

    just for catsSM

    $600 covered per year

    Cut bite wound

  • Deterioration of tooth

    comprehensiveSM

    $295 covered per year

    economicalSM

    $145 covered per year

    just for catsSM

    $0 covered per year

    tooth decay deterioration

  • Diabetes

    comprehensiveSM

    $870 covered per year

    economicalSM

    $435 covered per year

    just for catsSM

    $600 covered per year

    Diabetes

  • Ear infection

    comprehensiveSM

    $650 covered per year

    economicalSM

    $325 covered per year

    just for catsSM

    $600 covered per year

    Ear infection

  • Excessive fluid around lungs

    comprehensiveSM

    $435 covered per year

    economicalSM

    $215 covered per year

    just for catsSM

    $0 covered per year

    excessive fluid lungs

  • Eye infection

    comprehensiveSM

    $420 covered per year

    economicalSM

    $210 covered per year

    just for catsSM

    $600 covered per year

    Eye infection

  • Foreign object in stomach

    comprehensiveSM

    $620 covered per year

    economicalSM

    $310 covered per year

    just for catsSM

    $325 covered per year

    Foreign object stomach

  • Heart failure

    comprehensiveSM

    $230 covered per year

    economicalSM

    $115 covered per year

    just for catsSM

    $0 covered per year

    Heart failure

  • Heart muscle dysfunction

    comprehensiveSM

    $760 covered per year

    economicalSM

    $380 covered per year

    just for catsSM

    $0 covered per year

    Heart muscle dysfunction

  • Heart valve dysfunction

    comprehensiveSM

    $660 covered per year

    economicalSM

    $330 covered per year

    just for catsSM

    $0 covered per year

    Heart valve dysfunction

  • High blood pressure

    comprehensiveSM

    $330 covered per year

    economicalSM

    $165 covered per year

    just for catsSM

    $0 covered per year

    High blood pressure

  • Inflamed pancreas

    comprehensiveSM

    $1160 covered per year

    economicalSM

    $580 covered per year

    just for catsSM

    $0 covered per year

    Inflamed pancreas

  • Inflammatory bowel disease

    comprehensiveSM

    $1160 covered per year

    economicalSM

    $580 covered per year

    just for catsSM

    $0 covered per year

    Inflammatory bowel disease

  • Intestinal upset

    comprehensiveSM

    $630 covered per year

    economicalSM

    $315 covered per year

    just for catsSM

    $600 covered per year

    Intestinal upset

  • Kidney disorder

    comprehensiveSM

    $680 covered per year

    economicalSM

    $340 covered per year

    just for catsSM

    $0 covered per year

    Kidney disorder

  • Kidney infection

    comprehensiveSM

    $570 covered per year

    economicalSM

    $285 covered per year

    just for catsSM

    $0 covered per year

    Kidney infection

  • Liver disease

    comprehensiveSM

    $720 covered per year

    economicalSM

    $360 covered per year

    just for catsSM

    $0 covered per year

    Liver disease

  • Lymph node cancer

    comprehensiveSM

    $1230 covered per year

    economicalSM

    $615 covered per year

    just for catsSM

    $0 covered per year

    Lymph node cancer

  • Mouth ulcers

    comprehensiveSM

    $325 covered per year

    economicalSM

    $160 covered per year

    just for catsSM

    $265 covered per year

    Mouth ulcers

  • Open skin infection

    comprehensiveSM

    $390 covered per year

    economicalSM

    $195 covered per year

    just for catsSM

    $600 covered per year

    Open skin infection

  • Oral trauma

    comprehensiveSM

    $730 covered per year

    economicalSM

    $365 covered per year

    just for catsSM

    $0 covered per year

    Oral trauma

  • Oral ulcers

    comprehensiveSM

    $305 covered per year

    economicalSM

    $150 covered per year

    just for catsSM

    $0 covered per year

    Oral ulcers

  • Overactive thyroid

    comprehensiveSM

    $720 covered per year

    economicalSM

    $360 covered per year

    just for catsSM

    $600 covered per year

    Overactive thyroid

  • Respiratory infection

    comprehensiveSM

    $520 covered per year

    economicalSM

    $260 covered per year

    just for catsSM

    $600 covered per year

    Respiratory infection

  • Seizure disorders

    comprehensiveSM

    $620 covered per year

    economicalSM

    $310 covered per year

    just for catsSM

    $0 covered per year

    Seizure disorders

  • Skin allergies

    comprehensiveSM

    $560 covered per year

    economicalSM

    $280 covered per year

    just for catsSM

    $600 covered per year

    Skin allergies

  • Skin growth

    comprehensiveSM

    $1410 covered per year

    economicalSM

    $705 covered per year

    just for catsSM

    $600 covered per year

    Skin growth

  • Skin infection

    comprehensiveSM

    $400 covered per year

    economicalSM

    $200 covered per year

    just for catsSM

    $600 covered per year

    Skin infection

  • Small intestine tumor

    comprehensiveSM

    $1710 covered per year

    economicalSM

    $855 covered per year

    just for catsSM

    $0 covered per year

    Small intestine tumor

  • Stuffy nose

    comprehensiveSM

    $355 covered per year

    economicalSM

    $175 covered per year

    just for catsSM

    $0 covered per year

    Stuffy nose

  • Tooth infection

    comprehensiveSM

    $1805 covered per year

    economicalSM

    $900 covered per year

    just for catsSM

    $0 covered per year

    Tooth infection

  • Tooth removal

    comprehensiveSM

    $630 covered per year

    economicalSM

    $315 covered per year

    just for catsSM

    $0 covered per year

    Tooth removal

  • Underactive thyroid levels

    comprehensiveSM

    $630 covered per year

    economicalSM

    $315 covered per year

    just for catsSM

    $0 covered per year

    Underactive thyroid

  • Upset stomach

    comprehensiveSM

    $860 covered per year

    economicalSM

    $430 covered per year

    just for catsSM

    $600 covered per year

    Upset stomach

  • Urinary tract infection

    comprehensiveSM

    $830 covered per year

    economicalSM

    $415 covered per year

    just for catsSM

    $600 covered per year

    Urinary tract infection

  • Viral infection

    comprehensiveSM

    $360 covered per year

    economicalSM

    $180 covered per year

    just for catsSM

    $0 covered per year

    Viral infection

what’s covered

These are the 50 most frequently claimed conditions out of the 1.1 million claims we received last year, along with their annual benefit allowances. And believe it or not, this barely scratches the surface—we cover 10 times the number of conditions you see here.

comprehensiveSM

covers up to

economicalSM

covers up to

emergencySM

covers up to
ear infection
$650
$325
$0
dry eyes
$350
$175
$0
skin allergies
$560
$280
$0
inflamed pancreas
$1,160
$580
$0
skin infection
$400
$200
$0
allergic reaction
$395
$195
$0
upset stomach
$860
$430
$0
corneal ulcer
$600
$300
$230
intestinal upset
$630
$315
$0
Cushing's disease
$770
$385
$0
arthritis
$600
$300
$0
skin cancer
$1,560
$780
$0
bladder infection
$830
$415
$0
muscle sprain
$760
$380
$265
bruise or contusion
$760
$380
$265
inflammatory bowel disease
$1,160
$580
$0
skin growth
$1,410
$705
$0
torn nail
$670
$335
$220
underactive thyroid levels
$630
$315
$0
fungal skin disease
$270
$135
$0
eye infection
$420
$210
$0
abrasion
$350
$175
$125
seizure disorders
$620
$310
$0
chronic kidney disease
$680
$340
$0
open skin infection
$390
$195
$0
heart failure
$230
$115
$0
tooth removal
$500
$250
$0
Addison's disease
$900
$450
$0
liver disease
$720
$360
$0
oral trauma
$730
$365
$395
cut or bite wound
$750
$375
$300
foreign body in stomach
$620
$310
$325
lymph node cancer
$1,230
$615
$0
Lyme disease
$335
$165
$0
diabetes
$870
$435
$0
tumor in the spleen
$1,805
$900
$0
skin cyst
$1,410
$705
$0
bronchitis
$440
$220
$0
skin tumor
$1,410
$705
$0
bladder stones
$365
$180
$0
urinary incontinence
$460
$230
$0
inflamed trachea
$265
$130
$0
torn knee ligaments
$3,290
$1,645
$2,085
lung infection
$610
$305
$0
kennel cough
$510
$255
$0
insect bite or sting
$480
$240
$190
heart valve dysfunction
$660
$330
$0
bloody vomiting and diarrhea
$970
$485
$0
degenerative disc disease
$740
$370
$0
oral growth
$700
$350
$0

comprehensiveSM

covers up to

economicalSM

covers up to

just for catsSM

covers up to
urinary tract infection
$830
$415
$600
deterioration of tooth
$295
$145
$0
upset stomach
$860
$430
$600
skin growth
$1,410
$705
$600
chronic kidney disease
$680
$340
$600
kidney disorder
$680
$340
$0
overactive thyroid
$720
$360
$600
acquired bladder disorder
$1,490
$745
$0
diabetes
$870
$435
$600
mouth ulcers
$325
$160
$0
intestinal upset
$630
$315
$600
stuffy nose
$355
$175
$0
skin allergies
$560
$280
$600
corneal ulcer
$600
$300
$0
tooth removal
$500
$250
$600
heart failure
$230
$115
$0
respiratory infection
$520
$260
$600
small intestine tumor
$1,710
$855
$0
ear infection
$650
$325
$600
oral ulcers
$305
$150
$0
inflammatory bowel disease
$1,160
$580
$0
bladder infection
$830
$415
$0
eye infection
$420
$210
$600
bronchitis
$440
$220
$600
constipation
$480
$240
$600
high blood pressure
$330
$165
$0
lymph node cancer
$1,230
$615
$0
viral infection
$360
$180
$0
heart muscle dysfunction
$760
$380
$0
abrasion
$350
$175
$0
open skin infection
$390
$195
$600
acne
$560
$280
$0
asthma
$440
$220
$600
acute kidney disease
$680
$340
$600
liver disease
$720
$360
$0
allergic reaction
$395
$195
$0
skin infection
$400
$200
$600
seizure disorders
$620
$310
$0
inflamed pancreas
$1,160
$580
$0
foreign object in stomach
$620
$310
$0
heart valve dysfunction
$660
$330
$0
excessive fluid around lungs
$435
$215
$0
bruise or contusion
$760
$380
$600
tooth infection
$630
$315
$600
anemia
$430
$215
$0
gall bladder disorder
$565
$280
$0
arthritis
$600
$300
$0
oral trauma
$730
$365
$0
cut or bite wound
$750
$375
$600
kidney infection
$570
$285
$600

Sniff out more details

Use our coverage checker to see the full list of covered conditions and reimbursement amounts.

So that we can keep policies affordable for everyone, there are certain things that are not covered.