Pet Insurance to Protect your pet’s health, your way

Dependable coverage dedicated to your pet’s health & wellness. Introducing Petco Pet Insurance, cat and dog insurance plans that give you peace of mind.

Choose from Affordable Plans

Never feel pressured to choose between expenses and care with pet health insurance plans that start as low as $1 a day*.

Simple, Flexible Protection

Visit any vet, specialist or emergency clinic in the U.S. and manage your pet insurance plan from anywhere.

Access Our Pet Concierge

Get guidance from our certified vet professionals and pet health consultants included in your pet insurance cost.

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Always there for you and your pet, now our team of pet insurance experts can protect you from the unexpected.

Our 30-day money back guarantee helps ensure you get the best coverage for your pet.** Learn More.

Benefits of pet insurance

Pet health insurance can help you afford costly lifesaving care. It gives you peace of mind knowing your pet has the help they need. Our dog and cat insurance helps you stay in control—choose a plan and start enjoying your benefits!

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From minor to major, we can help

As one of the best pet insurance providers, Petco Insurance covers a variety of health needs ranging from sick exams to emergency surgeries.

Veterinary Treatment

Including exams and consultations for covered conditions, and more.

Diagnostic Testing

Including MRI or CT scans and X-rays.

Accidents

Injuries, swallowed objects and more.

Surgery & Hospitalization

Including cancer and respiratory infections.

Dental Disease

Gingivitis, periodontitis, extractions and more.

Hereditary & Congenital Conditions

Hip dysplasia, heart disease and more.

Behavioral Issues

Excess licking, separation anxiety and more.

Medications & Therapies

Including intravenous (IV) fluids and more.

How it works

Track your claims at home and on the go with our convenient online portal.

Vet petting a bulldog

1

Go to any vet

Visit any vet, specialist or emergency clinic you’d like and pay your bill there.

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2

Upload receipt(s)

After your visit, upload your receipt to submit your claim on our easy-to-use online portal.

Woman on her laptop while petting a dog

3

Get your money back

Have reimbursements deposited into your bank account or mailed to your address.

Expert help at your fingertips

Members-only pet concierge

Any time you have questions or concerns regarding your pet’s health, you can speak with our certified vet professionals and health consultants for FREE as part of your pet health insurance plan.

Get a Free Quote

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Stimulate their minds and their lives

Explore mental health solutions to

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Get your questions answered, all in one place

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Pet insurance plans that give you peace of mind

For everything else, Petco experts are here to help

Our trained groomers bring out their best, licensed vets provide compassionate care, and knowledgeable certified trainers and store associates can lend a helping hand.

Store Partners

Get personalized recommendations based on your pet's specific health & wellness needs.

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Groomers

Stylists complete a 20-week, 800-hour course for certification.

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Licensed Veterinarians

Our vets are committed to better health & wellness for pets everywhere.

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Dog Trainers

Certified trainers follow an expert backed positive approach.

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Petco Pet Insurance

Petco cat and dog insurance plans provide dependable coverage that you can rely on for the care of your pets. Petco Pet Insurance gives you the peace of mind knowing that your pet will be cared for by pet experts. We provide flexible and affordable pet insurance plans providing dependable coverage and access to our pet concierge services.

Learn more about Petco Pet Insurance

Discover key benefits and more.

Petco Insurance plan pricing varies, depending on the on age and breed of your pet, as well as your zip code. You can also customize your plan’s price by choosing from the options for Annual Limit, Reimbursement Percentage, and Annual Deductible Amount.

The Petco Insurance plan can be purchased through petco.com/petco-insurance.

Your Petco Insurance plan can be paid with a debit or credit card.

Your plan starts on the 15th day after the policy effective date. Conditions that occur or show symptoms during the waiting period are considered pre-existing and are not eligible for coverage.

Your Petco Insurance plan covers accidents and illnesses. Your coverage will take care of costs for injuries and emergencies related to accidents, like torn ligaments, bite wounds, cuts, broken bones, lodged foreign objects, and toxic ingestions. View a sample policy by state by clicking here. If your pet’s pre-existing condition is curable and has been cured and free from treatment and symptoms for a period of 180 days, it is a new occurrence. This does not apply to ligament and knee conditions.

EVERYONE! Petco insurance does not have any age, hereditary, or breed restrictions.

Exclusions are things that aren’t covered by your plan, and all pet insurance providers have them.Some of our exclusions include breeding costs, cosmetic procedures (like tail docking), and pre-existing conditions.Pre-existing conditions, cosmetic procedures (including tail docking, ear cropping, dewclaw removal, breeding costs)and preventive care. Additional exclusions and limitations can be reviewedin our sample plans by clicking here.

If your pet’s pre-existing condition is curable and has been cured and free from treatment and symptomsfor a period of 180 days, it is a new occurrence. This does not apply to ligament and knee conditions

If you’d like to change your coverage, contact Customer Service at 833-898-7387 to make changes.

We do not require a veterinary exam to enroll.

For any pre-authorization questions, please reach out to 833-898-7387.

Visit your veterinarian and pay as usual. Then submit a claim on your Petco Wellness dashboard at petco.com.

We work hard to reimburse you as quickly as possible and generally complete claims in 30 days or less. You’ll receive email notifications as your claim is being processed, but you can also track it alongthe way in your Petco Wellness dashboard.

If we need medical records, we’ll contact your veterinarian directly, but it may speed up the process if you send them in with your claim.

You can submit a claim within 270 days from the date of treatment.

There is no limit for claim submissions. Just be sure to submit your claims within 270 days of your pet’s visit to the vet.

It’s up to you, but we recommend direct deposit. You can set up direct deposit in your Petco Wellness dashboard inthe “reimbursement method” section when you submit your claim. Otherwise, you can select to have a check mailed to you.

Pre-existing conditions are injuries or illnesses that occur or show symptoms before your plan goes into effect or during a waiting period. For instance, if your dog is diagnosed with diabetes before you enroll in pet insurance, treatment for diabetes won’t be covered. It’s smart to sign your pet up before something happens that could be considered pre-existing.

Your insurance can be used for treatment at any licensed veterinary clinic in the U.S, including treatment from specialists and emergency care facilities. Remember, this is a reimbursement-based Insurance plan, so you pay the bill and submit a claim for the services in order to be reimbursed.

Your Petco Insurance plan covers anything related to accidents or illness. For example, broken bone repair or removal of a foreign object.

Yes, you do have a deductible. We have annual deductible options of $100, $250 or $500. You can pay a lower monthly premium byselecting a higher deductible or choose a lower deductible if you want the ability to get more money back.

Yes. You can add as many pets (dogs and cats only) to your account as you’d like, and we even offer a multi-pet discount!

No matter what your pet’s age or general health is, we will never cancel or downgrade their coverage due to age, but you will see an increase in premium as your pet grows older.

If at any point in your policy you need to cancel your insurance plan, contact Customer Support at 833-898-7387.

Sign into your account on petco.com.

You can check the status of your claim at any time on you petco.com.If you’ve been reimbursed and haven’t received the check yet, please call us at 833-898-7387.

You can change your billing and payment information on petco.com.