Free Pet Insurance Quote | Physicians Mutual Insurance Company

Physicians Mutual Insurance Company®

1-800-264-14171-800-264-1417

Physicians Mutual Insurance Company®

Get Affordable
Pet Insurance

For all ages and breeds

Get Affordable
Pet Insurance

For all ages and breeds

Give yourself the freedom to focus on your pet’s health — instead of how to pay for it — with affordable pet insurance.

With Physicians Mutual pet insurance, you never have to choose between your pet’s health and your finances.

Understand pet insurance costs and check out our Frequently Asked Questions.

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What’s covered in all our plans

  • Emergency & hospitalization
  • Congenital conditions
  • Cancer treatments
  • Chronic conditions
  • Holistic and alternative care
  • Surgery
  • Hereditary conditions
  • Specialty care
  • Diagnostic testing
  • Rehab and physical therapy

Plus, depending on the customization options you select, you can also get coverage for wellness visits, vaccinations, exams and more.

What's not covered

Physicians Mutual pet insurance does not cover pre-existing conditions, pet ambulance care, pregnancy, routine dental treatments, repetitive activities, external parasites, prescription food and medical waste. See exclusion details

More about dog insurance

Puppies and dogs love to run, jump and eat everything. When they find themselves unexpectedly at the vet, you’ll be glad they have coverage.

Dog Plan Details

More about cat insurance

Kittens and cats can get into all sorts of mischief. When their curiosity sends them to the vet, make sure they have all the protection they need.

Cat Plan Details

Pet insurance means better care

When your pet has an unexpected trip to the vet, having protection in place can mean a difference in their level of care.

Don’t let big bills be a deciding factor when it comes to your pet’s health.

Pet insurance allows you to say “yes” when the vet makes a recommendation that costs thousands of dollars. It gives you the freedom to focus on your pet instead of worrying about how much it will cost. And in the end, it means better overall care for your pet.

With 1 in 3 pets needing unexpected emergency veterinary treatments each year,1 pet insurance is an affordable way to be prepared.

Get one step closer to protecting your pet.

or call us at 1-800-264-14171-800-264-1417 for answers to your questions

Frequently asked questions about pet insurance

How do you know what plan is right for you? Take our assessment and find out!

Get Started Here

Electronic/Paperless Claims Submission

  1. Log into My Account online or with the PM My Account app (iOS) (Android).
  2. Select the “My Policies” icon.
  3. Select "Additional Actions" icon that is associated with your Pet Policy.
  4. Select "Submit a Claim" and answer the prompted questions.
  5. Upload a copy of your paid invoice and submit your claim.
  6. Include your pet’s medical records with your invoice or have your veterinarian send them to us with your pet policy number.

Phone/Fax Claims Submission

You can also call us at 1-800-228-9100 1-800-228-9100 and we can assist you with your claim. Should you want to fax the claim documentation, our fax number is 1-402-633-1207.

Required Information

  • Medical records
  • Paid invoice showing a zero balance owed by you

Medical records: To effectively process your claim, we need the last 24 months of medical records sent to us, including any clinic/veterinary notes. Either your veterinarian or you can contact us or fax us at 1-402-633-1207.

See

You can downgrade your plan at any time during the policy period. If your pet gets treated or diagnosed before the change in coverage, your policy is subject to the new deductible and/or annual limit.

You can request an upgrade to your policy at your annual policy renewal. The requested upgrades are subject to our underwriting approval. If your pet gets treated or diagnosed before the change in coverage, your policy is still subject to the old deductible and/or annual limit. Any endorsements or exclusions to the policy will carry over to the new policy terms.

Additionally, all pets on your policy will be subject to waiting periods and pre-existing condition exclusions if you choose to upgrade your policy.

All policy changes requested at times other than annual renewal will be effective at 12:01 a.m. local time the next calendar day following the processing of your requested changes.

To make changes to your policy, give us a call at 1-800-228-9100 1-800-228-9100 or message us.