Physicians Mutual Insurance Company®

Spend Less on Vet Bills, More on Treats.

Affordable pet insurance.
Unwavering customer service.

Customers satisfied with our service

Physicians Mutual® Customer Satisfaction Survey, 2022,
conducted by Wiese Research Associates

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. Explore quotes and see what pet insurance from Physicians Mutual can do for you.

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.

See how Physicians Mutual Pet compares
to others

Take a look at the coverage options available to you to help choose the right coverage for your budget and needs.

Compare Us

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
Vet bill $3,500
Total out of pocket $575
We pay you $2,925
Dog Insurance Details

Cat claim example

Your cat needs help with a urinary obstruction. With the Preferred plan, you would only pay $375:
Jimmy's vet bill
Vet bill $1,500
Total out of pocket $375
We pay you $1,125
Cat Insurance Details

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.

Get paid

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.

Coverage recommended by pet parents

See what others are saying ...

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!