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Hi,
how can we help?

New to pet insurance? Here are answers to questions we’ve received from pet owners like you.

You’ve got questions, we’ve got answers

  • What’s covered?

    Different plans have different coverages. Here at Animalia, we believe in providing your pet with the most comprehensive coverage available. We cover your vet bills following injuries, accidents & illnesses, including diagnostics, procedures, and required treatments. But, that’s not all! You can choose to extend your coverage with one of our add-on packs – the comprehensive dental pack, or the premium pack, which offers behavioral treatments and alternative care, as well as prescription food & dietary supplements. Head-to-tail. It’s that simple.

  • What if my pet needs emergency treatment?

    Head to your nearest Vet or Emergency Clinic pronto! No permission or referral is required for emergency visits. Once your pet is back on their feet, simply contact Animalia to file your claim.

  • Do you need my pet’s medical records?

    Yes, your pet’s medical history will allow us to get to know them better and determine which conditions if any, are considered pre-existing. When purchasing our policy, you allow us to communicate with your Vet on your behalf and obtain that information. This will also help speed things up when reviewing your claim.

  • What if I want to cancel my pet insurance policy?

    You may cancel your policy at any time by notifying us in writing. No hard feelings. You may even be entitled to a pro-rated refund of your premium.

  • What are pre-existing conditions and are they covered?

    A pre-existing condition refers to any injury or illness noticed by you or your Vet before starting or during a waiting period. Most pet insurance companies won’t cover them. In fact, the most common reason for denying a claim is that it has been made for a pre-existing condition. Under this list, you can find conditions like hip dysplasia or asthma. However, Animalia covers curable conditions like an ear or urinary tract infections, if your pet had them before but showed no symptoms again for 12 months prior to the end of your waiting period. We’ll also cover chronic diseases (like cancer or diabetes) with symptoms first shown after the waiting period is over.

  • Can I visit any vet?

    Absolutely! We trust the Vet you trust. As long as your Vet is licensed to provide Veterinary care in the state they operate in, choose the Vet you, and your pet, are comfortable with. This applies to any licensed Specialist or Emergency Clinic as well.

FAQ by catgory

  • insurance
    Pet insurance

    • How does pet insurance work?

      Pet insurance works on a reimbursement basis. That means:

      1. You’ll pay the Vet directly and upfront.
      2. You’ll then submit your bill for reimbursement on our website.
      3. Once your claim is reviewed and approved, you’ll get reimbursed based on the options you selected for your policy (annual limit, reimbursement rate, and annual deductible – see later).
    • Why should I insure my pet?

      Well for starters, your pet relies on you! They can’t protect themselves. They’re also, just like us humans, vulnerable to the unexpected. Luckily, Veterinary medicine has progressed dramatically, allowing groundbreaking medical solutions for pets. Did you know for instance, that animal prosthetics, laser therapy, cancer vaccines, Laparoscopy and even MRI, are all veterinary treatments that weren’t an option just ten years ago? These advancements, however, come with a cost.

      Pet insurance offers you freedom from cost-based decisions and allows you to focus on healing, not billing.

    • Why should i get pet insurance and not a savings account?

      Both options have benefits and drawbacks. In theory, putting a little away each month in anticipation of future Vet bills sounds quite logical. It really does. However, let’s say you manage to save $5,000. Then, your pet is diagnosed with a slipped disc. Your vet tells you about two treatment options. The cheapest option is 6 weeks of rest + pain reliever meds (a minor expense, but a risk the condition may worsen). The other option is a surgical procedure that will prevent future deterioration, but it’ll cost you… $5,000. Let’s say you opt for the $5,000 option. That’s great! But, what if an emergency strikes again? And, again? And, again? If you have insurance, you can confidently tell your Vet, “Doc, do whatever it takes. I have Animalia.”

  • policy
    Our policy

    • How does policy renewal work?

      Don’t worry about forgetting to renew or running the risk of being uninsured as your policy will be automatically renewed once a year, assuming your account remains current. For your convenience, we’ll send you a reminder 30 days before the renewal date.

    • What if I want to cancel my policy?

      You may cancel your policy at any time by notifying us in writing. No hard feelings. You may even be entitled to a pro-rated refund of your premium.

    • Can I enroll my pet at any age? 

      Pets are unpredictable and an illness or injury can happen at any time, even sooner than you think. And if you’re thinking “Well, my pup is too young to get sick”, you should bear in mind that younger animals are just as prone (if not more) to accidents as older ones, and there are lots of illnesses that can affect them too. That’s why it’s best to insure your pet as soon as you can. With Animalia, you can start as soon as your pet reaches 8 weeks and you can also insure your senior pet, as long as they’re under 15 years old.

    • What is a waiting period?

      When it comes to pet insurance, your waiting period is important. That’s the amount of time you’ll need to wait before your coverage kicks in. Some plans have extended waiting periods of up to a year on specific illnesses. At Animalia, we don’t believe in waiting for that long after enrollment. That’s why we have only a 5-day waiting period. Period. For illnesses too*.

      *Except for cancer where you’ll need to wait 30 days.

    • Do you need my pet’s medical records?

      Yes. Your pet’s medical history allows us to get to know them better and determine which conditions, if any, are considered pre-existing. When purchasing our policy, you agree to allow us to communicate with your Vet on your behalf to obtain that information. This also helps us speed up any claim reviews.

    • What do I need in order to enroll?

      Well, to start with, a pet will be nice. If you do have one, you’re almost ready! All you need to do is start chatting with Ezra, our friendly chat bot host. He will ask you a few questions about your pet and we’ll send you a quote in less than 60 seconds.

  • coverage
    Coverage

    • What are pre-existing conditions and are they covered?

      A pre-existing condition refers to any injury or illness noticed by you or your Vet prior to, or during a waiting period. Most pet insurance companies won’t cover pre-existing conditions. Animalia covers curable conditions. For example, if your pet has had an ear or urinary tract infection, but hasn’t shown symptoms for 12 months prior to the end of your waiting period, we’ll cover it! We’ll also cover chronic conditions like cancer or diabetes if symptoms first appear after your waiting period is over.

    •  What if my pet needs emergency treatment?

      Head to your nearest Vet or Emergency Clinic pronto! No permission or referral is required for emergency visits. Once your pet is back on their feet, simply contact Animalia to file your claim.

    • Can I visit any Vet?

      Absolutely! We trust the Vet you trust. As long as your Vet is licensed to provide Veterinary care in the state they operate in, choose the Vet you, and your pet, are comfortable with. This applies to any licensed Specialist or Emergency Clinic as well.

    • Why doesn’t your policy cover routine Vet visits for checkups and vaccinations? 

      We’re here for the unexpected, remember? Routine care and vaccinations are both predictable as well as significantly cheaper. Adding them to our policy coverage would unnecessarily raise the insurance costs and we see no point in that.

    • What’s not covered?

      There are certain things pet insurance plans usually do not cover. Pre-existing conditions, for starters. In addition, as those plans are here for the unexpected, they will not cover routine care and vaccinations. Cosmetic treatments, pregnancy costs, grooming services, and travel costs are off too.

      And if you’re asking why don’t insurance plans just cover it all…well, that’s where statistical parameters like case prevalence and average claim costs kick in. Let’s take for example pregnancy costs, as most dogs and cats are spayed or neutered, it doesn’t make any sense to also cover those costs for a very small portion of pets as it will increase insurance costs for all customers. We prefer covering the most prevalent cases and still offer affordable prices.

    • What’s covered?

      Different plans have different coverages. Here at Animalia, we believe in providing your pet with the most comprehensive coverage available. We cover your vet bills following injuries, accidents & illnesses, including diagnostics, procedures, and required treatments. But, that’s not all! You can choose to extend your coverage with one of our add-on packs – the comprehensive dental pack, or the premium pack, which offers behavioral treatments and alternative care, as well as prescription food & dietary supplements. Head-to-tail. It’s that simple.

  • claims
    Claims

    • What can I do if my claim is denied?

      It is always unfortunate when we can’t help some of our customers. If you believe that your claim has been unfairly denied, the first step is to submit an appeal with a letter from your Vet. We understand things happen and we hope that the next time you’ll need us, we’ll be here for you, proving how efficient pet insurance is.

    • Can a claim be rejected?

      Animalia receives thousands of claims each year and is proud that most of those claims are accepted and paid for. In fact, during the past 12 months, we have rejected no more than 3% of the claims we’ve received during this period. We believe our rejection rate is so low because of our constant efforts to explain our policy while being transparent with our policy holders.

       

    • How will I know you’ve accepted my claim?

      With Animalia, you can track the status of your claim at any time in your personal area on our website. We’ll also update you once your claim has been approved as well as when the money has been deposited in your account.

    • What exactly do you do with my claim?

      Our dedicated team will process it  and we’ll get in touch with your Vet’s clinic to gather all the necessary information, including your pet’s medical records. While we work our magic, you can follow the process and track our progress.  We’ll update you when it’s all done and let you know when the money is in your account.

    • How long will it take for my pet insurance claim to be paid?

      95% of claims submitted to Animalia are reimbursed in less than a week. In order to help speed things up, please make sure you send us all of the receipts from your Vet.

    • What if I don’t have the medical records of my pet?

      Medical history is necessary for submitting a claim. By purchasing this policy you allow us to communicate with your Vet on your behalf and obtain that information. This will allow us to get to know your pet better and determine which conditions, if any, are considered pre-existing.

      Without it, we will not be able to process your claim.

    • Can I file a claim any time?

      Not exactly. You’re allowed to do it within 180 days of the treatment, but no later than 90 days after the expiration of the policy period.

       

    • How do I file a claim?

      Our claim process is simple – We work, you don’t. Here’s all you need to do:

      1. Describe what happened- just type in a brief description outlining the medical condition.
      2. We will use your permission to get your pet’s medical records from your Vet.
      3. Attach the itemized receipt from the Vet – including your pet’s  personal information, date and cost of treatments & services, as well as your Vet’s info.
      4. Once you submit a claim and it’s approved, you’ll get reimbursement directly to your bank account.
  • paymentsAndBilling
    Payments & Billing

    • What if I miss a premium payment?

      If for some reason your credit card is declined, we’ll provide a few friendly reminders to help you keep your account current and provide an opportunity to change to a different card. If this doesn’t help, we’ll unfortunately have to cancel your policy after a 10 days’ notice period, after which you’ll receive the relative premium refund.

    • How will I get paid for my claim?

      We work on a reimbursement basis, so we will reimburse you for our part of any approved claim by depositing the amount directly to your account.

    • How do I pay for Animalia pet insurance?

      You can pay using your credit or debit card. We will charge you when you start your policy, and every month thereafter. If you prefer, you can pay for your policy once per year instead.

    • What are the annual limits, reimbursement rates, and the annual deductible?

       

      Your annual coverage limit is the total amount you can be reimbursed over a 12-month policy period. It starts over when a new policy period begins. Most insurance plans allow you to select your annual coverage limit with options from $10,000 to $50,000. A lower limit will reduce the cost of your premium. A higher limit will give you more financial cushion during the year.

      The annual deductible is the portion of the cost you are responsible for before reimbursement starts. The lower the deductible you choose, the higher the premium you’ll pay. Alternatively, the higher the deductible you pick, the lower the premium will be. Annual deductibles require that you meet your deductible only once per policy term. This means it does not matter how many times your pet goes to the veterinarian each policy year; you still only have to meet the deductible once.

      Your reimbursement rate determines the amount you can get back after you meet your deductible. You can choose to get reimbursed 70%, 80%, or even 90% of covered Veterinary costs with pet insurance. A higher percentage means you can get more cash back on your claims. A lower percentage gives you a lower monthly premium. If, for example, your reimbursement level is 80% and your claim is for $1,000, your policy will pay $800 and you will pay $200.

    • What affects the cost of pet insurance

      These factors may vary from company to company, but most pet-based variables that determine the cost of pet insurance are:

      1. Cat Vs. Dog- The average cost of pet insurance is higher for dogs – 74% more expensive than cats for accidents and illness policies.
      2. Changes in treatment costs- Veterinary costs have almost doubled during the last decade. These changes may increase (or decrease) your policy premium.
      3. Pet’s age- Just like humans, pets can become more prone to illnesses as they get older and treatments become more frequent and expensive.
      4. Pet’s breed- Your pet’s breed will affect your premium calculation because of size and predisposition of genetic conditions.
      5. Location- Veterinary care is more expensive in major metropolitan areas than in suburban or rural regions due to the higher cost of living in cities.
      6. Your monthly premium will also change to reflect your three plan preferences:
      • A higher annual coverage limit will increase your monthly premium.
      • A higher reimbursement rate will increase your monthly premium.
      • A higher annual deductible will decrease your monthly premium.

      The good news is that Animalia won’t penalize you for filing claims and your premium will not change based on your previous claim history.

  • aboutanimalia
    About Animalia

    • Where is Animalia Pet Insurance available?

      We’re currently available in 38 states : AZ, AR, CO, CT, DE, HI, ID, IN, IA, KS, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WI, & WY

       

       

    • About Animalia

      Driven by an urge to educate pet owners, enhance their lives and provide them with a great customer experience, Animalia aims at revolutionizing insurance by creating a platform for the entire pet community to interact through. As a fully licensed and regulated insurance agency, Animalia receives compensation based on the premium for each policy sold. Insurance is underwritten by State National Insurance Company (NAIC# 12831, Fort Worth, TX).

  • Subject to terms and conditions of the policy.

  • insurance
    Pet insurance
  • policy
    Our policy
  • coverage
    Coverage
  • claims
    Claims
  • paymentsAndBilling
    Payments & Billing
  • aboutanimalia
    About Animalia
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Literally saved our dogs life. Super helpful agents. They really care about the animals and wasted no time and making sure we got our claim filed, approved and our money back. I can’t thank you all enough for such a great service. I’m scared to think where we would be without you.

Amazing, quick and professional service. The agents go out of their way to explain the procedure. I had two claims and the reimbursement was quick and easy. You can go to the vet of your choosing and just have a small deductible to pay. I highly recommend insuring your furry companion with them 🙂

Animalia insurance is no nonsense – you get what you’re entitled to with love. Thank you!

Thank you so so much! Your service is excellent! The documents are clear and easy to fill out, the service is quick and you are very fair. Highly recommended to all parents of pets!!

Amazingly quick and loving service❣
we called Animalia Pet Insurance and quickly got refounded with the vet visit❣
soon after I received a phone call from Animalia Pet Insurance service asking about buddy’s condition and if we got the refound, so again thank you very much ❣
Have a lovely day

Fantastic and easy to work with, you provide peace of mind that the pet is given the finest care. Great personal approach and very attentive. Keep it up!

Literally saved our dogs life. Super helpful agents. They really care about the animals and wasted no time and making sure we got our claim filed, approved and our money back. I can’t thank you all enough for such a great service. I’m scared to think where we would be without you.

Amazing, quick and professional service. The agents go out of their way to explain the procedure. I had two claims and the reimbursement was quick and easy. You can go to the vet of your choosing and just have a small deductible to pay. I highly recommend insuring your furry companion with them 🙂

Animalia insurance is no nonsense – you get what you’re entitled to with love. Thank you!

Thank you so so much! Your service is excellent! The documents are clear and easy to fill out, the service is quick and you are very fair. Highly recommended to all parents of pets!!

Amazingly quick and loving service❣
we called Animalia Pet Insurance and quickly got refounded with the vet visit❣
soon after I received a phone call from Animalia Pet Insurance service asking about buddy’s condition and if we got the refound, so again thank you very much ❣
Have a lovely day

Fantastic and easy to work with, you provide peace of mind that the pet is given the finest care. Great personal approach and very attentive. Keep it up!

Literally saved our dogs life. Super helpful agents. They really care about the animals and wasted no time and making sure we got our claim filed, approved and our money back. I can’t thank you all enough for such a great service. I’m scared to think where we would be without you.

Amazing, quick and professional service. The agents go out of their way to explain the procedure. I had two claims and the reimbursement was quick and easy. You can go to the vet of your choosing and just have a small deductible to pay. I highly recommend insuring your furry companion with them 🙂

Animalia insurance is no nonsense – you get what you’re entitled to with love. Thank you!

Thank you so so much! Your service is excellent! The documents are clear and easy to fill out, the service is quick and you are very fair. Highly recommended to all parents of pets!!

Amazingly quick and loving service❣
we called Animalia Pet Insurance and quickly got refounded with the vet visit❣
soon after I received a phone call from Animalia Pet Insurance service asking about buddy’s condition and if we got the refound, so again thank you very much ❣
Have a lovely day

Fantastic and easy to work with, you provide peace of mind that the pet is given the finest care. Great personal approach and very attentive. Keep it up!

Literally saved our dogs life. Super helpful agents. They really care about the animals and wasted no time and making sure we got our claim filed, approved and our money back. I can’t thank you all enough for such a great service. I’m scared to think where we would be without you.

Amazing, quick and professional service. The agents go out of their way to explain the procedure. I had two claims and the reimbursement was quick and easy. You can go to the vet of your choosing and just have a small deductible to pay. I highly recommend insuring your furry companion with them 🙂

Animalia insurance is no nonsense – you get what you’re entitled to with love. Thank you!

Thank you so so much! Your service is excellent! The documents are clear and easy to fill out, the service is quick and you are very fair. Highly recommended to all parents of pets!!

Amazingly quick and loving service❣
we called Animalia Pet Insurance and quickly got refounded with the vet visit❣
soon after I received a phone call from Animalia Pet Insurance service asking about buddy’s condition and if we got the refound, so again thank you very much ❣
Have a lovely day

Fantastic and easy to work with, you provide peace of mind that the pet is given the finest care. Great personal approach and very attentive. Keep it up!

Literally saved our dogs life. Super helpful agents. They really care about the animals and wasted no time and making sure we got our claim filed, approved and our money back. I can’t thank you all enough for such a great service. I’m scared to think where we would be without you.

Amazing, quick and professional service. The agents go out of their way to explain the procedure. I had two claims and the reimbursement was quick and easy. You can go to the vet of your choosing and just have a small deductible to pay. I highly recommend insuring your furry companion with them 🙂

Animalia insurance is no nonsense – you get what you’re entitled to with love. Thank you!

Thank you so so much! Your service is excellent! The documents are clear and easy to fill out, the service is quick and you are very fair. Highly recommended to all parents of pets!!

Amazingly quick and loving service❣
we called Animalia Pet Insurance and quickly got refounded with the vet visit❣
soon after I received a phone call from Animalia Pet Insurance service asking about buddy’s condition and if we got the refound, so again thank you very much ❣
Have a lovely day

Fantastic and easy to work with, you provide peace of mind that the pet is given the finest care. Great personal approach and very attentive. Keep it up!

Literally saved our dogs life. Super helpful agents. They really care about the animals and wasted no time and making sure we got our claim filed, approved and our money back. I can’t thank you all enough for such a great service. I’m scared to think where we would be without you.

Amazing, quick and professional service. The agents go out of their way to explain the procedure. I had two claims and the reimbursement was quick and easy. You can go to the vet of your choosing and just have a small deductible to pay. I highly recommend insuring your furry companion with them 🙂

Animalia insurance is no nonsense – you get what you’re entitled to with love. Thank you!

Thank you so so much! Your service is excellent! The documents are clear and easy to fill out, the service is quick and you are very fair. Highly recommended to all parents of pets!!

Amazingly quick and loving service❣
we called Animalia Pet Insurance and quickly got refounded with the vet visit❣
soon after I received a phone call from Animalia Pet Insurance service asking about buddy’s condition and if we got the refound, so again thank you very much ❣
Have a lovely day

Fantastic and easy to work with, you provide peace of mind that the pet is given the finest care. Great personal approach and very attentive. Keep it up!