What’s Covered?
The short of it: a hell of a lot
With Animalia, there’s no such thing as basic coverage. Our all-in-one coverage is the crème de la crème; the pick of the litter. We only offer premium coverage because that’s what real pets need.
One simple plan. Head-to-tail coverage
Did any of these happen?
Don't fret, they're covered!
Accidents & Injuries
Whether a torn ligament or foreign body ingestion. We’ll cover it, From diagnosis to rehab, it's all covered.
Hereditary conditions
Breed- specific conditions such as heart disease, hip dysplasia, and all those inherited conditions that don’t show up until later in your pet’s life are covered.
Illnesses
Ear infections, arthritis, or digestive problems. We’ll cover whatever your vet recommends.
Chronic conditions
Diseases such as cancer, diabetes, or kidney disease. It’s an ongoing battle, we know. We’re there with you through the whole process.
We’ll cover your vet bills following injuries, accidents, and illnesses, including diagnostics, procedures, and treatments.
That means…
Lab Work
In action: Your pet can’t tell you what’s wrong, but blood tests, chemistry, urinalysis, and stool samples can.
Complete sick visits & Exam fees
In action: Consultations, follow-ups and virtual visits are covered too.
Imaging Scans
Does your vet need a second (technologic) opinion? X-rays, CT scans, MRIs, and ultrasounds are covered.
Cancer treatments
In action: Considering that 1 in 4 dogs will develop a tumor and 50% of dogs over age 10 will develop cancer, we take care of the one “C” word you want to hear-covered!
Emergency care
In action: Don’t waste your minutes on us when an emergency arises. Go directly to the emergency hospital. We’ll cover the costs.
Prescription meds
In action: With every trip to the vet comes follow-up care. From antibiotics for short-term issues to insulin for chronic conditions like diabetes, we’ve got you covered.
Surgeries
In action: Removing a tumor or fixing a broken leg mean big bills. Illness-related or unexpected surgeries due to an emergency are covered.
Specialist visits. No referral needed
In action: Ophthalmologist for cataracts, a dermatologist for acute allergies, or an oncologist for brain cancer. Whatever you need when things get complicated.
Hospitalization
In action: Overnight visits at the vet can get pricey quickly. We’ll help cover the costs of fluids, medications, and additional testing.
That also means…
Included in your coverage. No extra charge.
Behavioral therapy. Even online
In action: In-person or online therapy with certified veterinary behaviorists for a pup that suffers from separation anxiety, excessive barking, or is simply obsessed with socks.
Prescription food & Dietary supplements¹
In action: Allergies or digestive disorders that require a special diet? A special blend of pet food will do the trick.
Alternative care
In action: Acupuncture to reduce pain, chiropractic for joint problems, or hydrotherapy to improve function after surgery-sometimes traditional treatments are just not enough.
Orthodontic care
In action: Crown modifications, tooth eruptions… Any orthodontic treatment due to a covered injury or illness.
Tele vet services. As many as you need
In action: A remote diagnosis, monitoring of diabetes, or after-hour care. By phone, email, or video. Whatever works best for you and your vet.
And if you’re looking for more extensive dental coverage,
say hello
to our comprehensive dental care add-on!
Root canals, crowns, extractions, orthodontic, endodontic,
periodontal.
Whatever is deemed medically necessary by your vet.
Let’s talk about
pre-existing conditions
It doesn’t take a miracle to cure conditions like ear, urinary tract, or respiratory infections.
It does take a miracle to have them covered by insurance even though they’re considered pre-existing conditions.
Confused? Let us explain
What are pre-existing conditions?
Any health condition developed
before your insurance kicks in.
What are incurable pre-existing conditions?
These conditions aren't likely to go away or improve over your pet’s lifetime and therefore, won’t be covered. Hip dysplasia, cancer, diabetes, or heart disease are good examples.
And curable pre-existing conditions?
These are conditions your pet had before, like ear or urinary tract infections, but showed no symptoms for 12 months. These conditions are covered by Animalia.
We’ll also cover chronic diseases (like cancer or diabetes) with symptoms first shown after your waiting period is over.
The moral of the story?
Get your pet insured while they are young and healthy so that
the good, the bad,
and the ugly are
all covered.
With that kind of coverage, no wonder half the
correspondence we receive is asking when we’re going
to cover humans.
Just kidding… or are we?
What’s Not Covered?
Incurable pre-existing conditions
We don't cover pre-existing illnesses.
So, sign up before problems pile up.
Cosmetic procedures
Tail docking or wrinkle removal? Nope-we cover only what's medically essential.
Routine and preventive care
Routine checkups, vaccinations, parasite prevention and grooming are not part of our coverage.
Spaying and neutering
Unexpected conditions are where we shine. These procedures? They’re on you.
* Subject to terms and conditions
of the policy
Residents of ME, WA, LA, MS, NB, DE & NH,
please note the following
disclosure of policy provisions.
Did You Know?
We don’t believe in letting you cool off for too long.
That’s why we offer only a 5 day waiting period. Period.
For illnesses too. The shortest
in the market.
