Physicians Mutual Insurance Company®
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.
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 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.
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.
The price you pay depends on the options you choose to build your plan.