Physicians Mutual Insurance Company®

Physicians Mutual Pet Insurance Logo
Physicians Mutual Pet Insurance Logo
1-800-264-14171-800-264-1417

Physicians Mutual Insurance Company®

Why Pet Insurance
Is Important

Why Pet Insurance
Is Important

Pet insurance lets your furry family member get the best care.

This means if your pet becomes sick or gets injured, you can focus on getting them the best treatment available. You don’t have to worry about how to pay.

Please wait while we retrieve information for you. To find out about the products that are available please call 1-800-264-14171-800-264-1417.

Give your pet the best care possible, especially for emergencies or serious conditions

We never want to imagine our pet sick or injured. But things happen. And they happen more frequently than we might expect.

In fact, the American Pet Products Association estimates 1 out of 3 pets will need emergency veterinary treatments. Whether it’s a broken leg or a cancer diagnosis, these bills can add up.

If the unexpected happens, you’ll have peace of mind knowing you’ve made the smart and loving choice to protect your pet — and your pocketbook.

Is pet insurance worth it?

See how pet insurance can help with Bart’s new toy.

Let’s say your 4-year-old Labrador, Bart, eats the new toy you just got him. You take Bart to the vet and find out the toy has to be surgically removed.

To get Bart back to feeling like himself, he needs $4,000 worth of care.

In just one visit, that $4,000 vet bill would cost more than four years’ worth of premiums at $40/month.

What pet insurance typically covers

Pet insurance typically covers things like common illnesses, chronic illnesses, serious illness, congenital conditions, hereditary conditions, surgeries, testing and diagnostics, wellness care, holistic and alternative care, injuries, and accidents.

Many of these features are often bundled together into plans like accident-only, accident and illness, or comprehensive pet wellness plans.

What’s typically not covered

Pet insurance typically does not cover things like experimental treatment (diagnosis and treatments considered experimental, investigational or not within the standard of care), or grooming services (baths, clips, shampoos or nail trims). Pre-existing conditions (injury or illness your pet had before your coverage started) are a common exclusion for most pet insurance companies.

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 their 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.

What determines the cost of pet insurance?

There are several factors that get taken into account when it comes to pricing. Here are the top three:

Dogs vs. cats

Dogs are more expensive than cats since they’re more prone to health issues.

Your pet’s details

Your pet’s age, gender, breed and where you live are all factors in the cost.

Plan customization

The price you pay depends on the options you choose to build your plan.

Please wait while we retrieve information for you. To find out about the products that are available please call 1-800-264-14171-800-264-1417.

Not ready to view plans just yet?