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dog insurance coverage

5 Important Things to Know About Our Coverage

Veterinary Exam Fees

We cover the vet examination fee related to a covered illness or injury.  Some other providers exclude this or force you to pay an additional fee to purchase this coverage.

Annual Deductible

Do you want to pay a deductible for every new accident or illness? We don’t, so we have an annual deductible that only has to be met once per policy period. Plus, we offer four deductible options so you can pick what works best for you: $100, $150, $250 or $500.

Waiting Periods

As pet parents ourselves, we understand that you can’t plan when your dog is going to get sick. That is why we narrowed our waiting period for illnesses to 14 days from your policy’s start date.  Accidents and injuries have no wait period; coverage begins on your policy’s effective date.

Co-insurance and Reimbursement

You can select your reimbursement level up to 90% for eligible services.  We apply your deductible and then your co-insurance (if applicable) and reimburse you for the rest. It’s that simple.

Pre-existing Conditions

To help keep premiums low, we do not cover pre-existing conditions. This means that any accident, injury or illness that showed symptoms or occurred before you enrolled or illnesses that occurred during the waiting period, are not covered under your policy.

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4Paws Insurance covers illnesses
4Paws Insurance covers accidents and injuries
Accidents & Injuries
4Paws Insurance covers hereditary conditions.
Hereditary Conditions
4Paws Insurance covers congenital conditions
Congenital Conditions
4Paws Insurance covers cancer
4Paws Insurance covers diagnosis treatments
Diagnostic Treatment
4Paws Insurance covers diagnosis treatments
X-Rays, Blood Tests, Ultrasounds
4Paws Insurance covers surgery
4Paws Insurance covers hospitalization”
4Paws Insurance covers medications
Prescription Medication
4Paws Insurance covers emergency care
Emergency Care
4Paws Insurance covers specialist
Specialty Care
4Paws Insurance covers alternative treatments
Alternative Treatment

What dog insurance doesn’t cover

We can’t cover everything, so we like to be open with our customers about what we don’t cover. Click here to view the full list of our exclusions. You can view our accident & illness or accident only sample policies anytime.

Optional Dog Wellness Coverage

Wellness 250 Wellness 350 Wellness 500
Dental Cleaning $100
Dental Cleaning or Spay/Neuter $150 $175
Wellness Exam $50 $50 $50
Flea/Heartworm Prevention $50
DHLPP Vaccine/Titer $20 $25 $25
Rabies Vaccine and/or Lyme Vaccine/Titer $20 $25 $25
Fecal Test $20 $25 $25
Heartworm Test $20 $25 $25
Deworming $20 $25 $25
Health Certificate $25 $25
Bordetella $25
Urinalysis $25
Blood test $25
Total Maximum Annual Benefit $250 $350 $500