Physicians Mutual Insurance Company®
As a pet parent,
love is at the heart of everything you do.
And that includes making sure your pet can get the care they need — when they need it. Don't let big vet bills be the reason you say "no" to the right treatment.
Your pet. Your plan. Your way.
Pet insurance takes the worry out of vet bills, so you can focus on getting your pet the care they deserve. You can count on these benefits to help keep your pet healthy and happy.
Plus, you can be sure you’re getting only the coverage you need.
Go to any vet, anywhere
We know how important your vet is to you and your pet, that’s why you can go to any vet, anywhere.
More money back on your vet bills
Pet parents can get up to 100% of their vet bills paid or choose the amount they want covered.
Unlimited annual benefits
Vet bills can be expensive and add up quickly. We offer this to maximize your protection.
Treat your pet to wellness
Keep your pet healthy with wellness visits to help avoid bigger issues later on. You can get additional coverage for things like exams, dental treatments, vaccines and more.
Worry-free lifesaving treatment
Emergencies are stressful. Breathe a sigh of relief knowing you won’t have a deductible or co-pay for emergency, lifesaving treatments with our coverage.
No lifetime maximum benefit
No matter how many claims you make, your pet’s coverage won’t change. It’s your insurance. Use it.
Deductibles on your terms
You know your budget best. Our deductible options range from $0 to $1,000.
See your pet protection in action
These claim examples are based on the Preferred plan with a 90% reimbursement percentage and a $250 annual deductible.
Dog claim example
Your dog broke his or her leg and needs surgery. With the Preferred plan, you would only pay $575:
|Max's vet bill|
|Total out of pocket||$575|
|We pay you||$2,925|
Cat claim example
|Jimmy's vet bill|
|Total out of pocket||$375|
|We pay you||$1,125|
How do I get paid?
Our claims process is fast and easy!
Go to any vet
No networks! Go to any vet, anywhere. That includes specialists and emergency clinics.
Submit a claim
You can easily submit your claim online through My Account.
Claims are typically paid within 3 days once your claim is complete. We’ll pay you back up to 100% of your vet bill based on the plan you choose.
Our faithful friend
Eddie came to the Physicians Mutual family in 2021. A rescue dog with numerous talents, Eddie loves to paint, play the piano and serve tea. To see Eddie in action, check out our commercials!