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Pet Insurance

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This is a "Quick Quote" form. Once you see your monthly payment, you can customize on the screen to adjust for your budget.

From the unexpected to the routine, your pets are covered with Safeco® Pet Insurance. Clients may choose from a variety of policy, deductible and reimbursement options to meet their needs.

Eligibility for NEW pet policies

  • Dogs 8 weeks to 13 years 

  • Cats 8 weeks to 15 years

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Any policy issued before the covered pet(s) has reached age 13 (for dogs) or age 15 (for cats) may be renewed during the lifetime of that pet at Safeco’s discretion, so long as coverage remains continuously in force. 

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Pre-existing conditions, cosmetic procedures and/or costs associated with breeding or pregnancy are not covered. View a full list of exclusions in the product guide.

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Two Policy Options: 

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 1.   Accident & Illness

  • Accidental injuries (including to permanent teeth)

  • Illnesses (including cancer, influenza and kennel cough)

  • Alternative medicine

  • Behavioral therapy

  • Hereditary and congenital conditions

  • Ingestion of a foreign object (up to two treatments per policy year)

  • Euthanasia or anesthesia

  • Cremation and burial expenses

  • Accidental death

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2.   Accidents, Illness & Wellness

Everything covered under the Accident & Illness policy, plus fixed payment amounts for the following (not subject to deductible and annual maximum):

Policy options

Accident & Illness

  • Accidental injuries (including to permanent teeth)

  • Illnesses (including cancer, influenza and kennel cough)

  • Alternative medicine

  • Behavioral therapy

  • Hereditary and congenital conditions

  • Ingestion of a foreign object (up to two treatments per policy year)

  • Euthanasia or anesthesia

  • Cremation and burial expenses

  • Accidental death

 

Accidents, Illness & Wellness
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Everything covered under the Accident & Illness policy, plus fixed payment amounts for the following (not subject to deductible and annual maximum):

 

 

 

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PROGRAM DETAILS:

Clients choose from two policy options: Accident & Illness or Accident, Illness & Wellness.

 

Accident and illness reimbursements are based on the invoice, while wellness and preventive care reimbursements are based on a schedule. Products, rates and discounts may vary and are subject to change.

 

This insurance is applicable for treatments at any licensed veterinary clinic in the U.S. or Canada, including treatment from licensed specialists and emergency facilities.

 

Pre-existing conditions are not covered. Waiting periods, deductibles, benefit limits and exclusions may apply. Wellness coverage reimbursements are based on a schedule. Products, rates and discounts may vary by state and are subject to change.

 

Products are underwritten by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, MA, 02116, and administered by Companion Protect, LLC.

Preventive care benefit

                      

Flea and tick prevention 

Heartworm prevention  

Prescribed vitamin supplement  

Boosters and vaccinations             

100% of covered expenses incurred up to the following:

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$100

$50

$50

$60

There is a 14-day waiting period for all coverages. 

Wellness benefit

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Routine dental cleaning

Routine physical examination

Fecal examination

Intestinal deworming

Heartworm test

100% of covered expenses incurred up to the following:

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$100

$80

$30 per exam*

$30

$30 per test*

*twice a year benefit, customers are eligible for up to $60 a year

HOW IT WORKS:

Client pets deserve the best – it’s simple! That’s why Safeco Insurance has made caring for pets simple, too.

 

Here’s how it works:

  1. Clients purchase their pet insurance policy.

  2. They take their pet to their veterinarian for a covered treatment and pay the bill.

  3. They submit a claim for reimbursement.

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Policy details

  1. Choose from two different policy options: Accident & Illness or Accident, Illness & Wellness.

  2. Then select:

  • Reimbursement of 70%, 80% or 90%

  • Deductible of $250, $500 or $1,000

  • Annual limit of $5,000, $10,000 or $15,000

 

Deductible and reimbursement

Policies have a 12-month term deductible, so once the deductible is met, your client won’t have to satisfy it again until the next 12-month plan period. After the annual deductible is met, the reimbursement amount will be 70%, 80% or 90% of the covered invoice, based on the reimbursement percentage selected when the policy was purchased. Reimbursements can be deposited directly into a customer’s bank account or sent via check.

 

Additional coverage

Customers who opt for the Accident, Illness & Wellness package get fixed reimbursement amounts for common wellness and preventive care items, such as vaccines and flea shots. These coverages are not subject to deductibles, annual maximums or reimbursement percentages.

 

Multiple pets

Coverage can be purchased for multiple pets. Each pet will have their own policy and premium, and each additional pet policy qualifies for a discount.

EXCLUSIONS

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Frequently asked.  Does this cover Spaying/neutering?   No. 

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In addition to any benefit or coverage specific exclusion, we will not pay benefits for any Incident that directly or indirectly, in whole or in part, is caused by or results from any of the following, unless expressly covered in an attached endorsement.

 

Items highlighted in Blue indicate the exclusion does not apply if the Accident, Illness & Wellness Package is purchased.

 

1. Dental health care, including aesthetic, cosmetic, endodontic, or orthodontic dental services such as caps, crowns or crown amputation, fillings, implants and root canals or planing, unless injury to teeth is caused by an Accident.

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2. Incidents resulting from any intentional, neglectful or preventable acts by you, a member of your immediate family, or a member of your household. This includes the failure to use/ implement preventative healthcare products or methods, including vaccinations. This would not deny coverage benefits to an innocent insured who did not commit and is not complicit in the intentional act that resulted in loss.

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3. Any diagnosis or Treatment related to:

a. Breeding your Pet;

b. Your Pet being pregnant; or

c. Your Pet giving birth.

 

4. Hereditary or Congenital Conditions.

 

5. Prescribed diets, food, vitamins, and nutritional supplements.

 

6. Organ and tissue transplants, prostheses and related services.

 

7. Experimental or investigational Treatment or Prescription Medication, including clinical trials, that is not generally accepted in the veterinary medical community as effective or proven.

 

8. Routine, Wellness and Preventative Care.

 

9. Incidents resulting from the use of your Pet for professional or commercial purposes. This exclusion does not apply to use of your Pet as a service animal.

 

10. Incidents resulting from the use of your Pet for, or during the course of committing, any unlawful acts.

 

11. Cosmetic procedures (dew claw removal, tail docking, ear cropping).

 

12. Incidents occurring outside of the territory listed in your Policy Declarations.

 

13. Any Claims caused by or as a result of: invasion; war or civil war; insurrection; rebellion; revolution; military or usurped power; or by operation of armed forces while engaged in hostilities; whether war be declared or not.

 

14. Services performed by a Veterinarian for their own pet; and

 

15. An Epidemic.

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