Accident-Only
Accident-only plans focus on qualifying injuries resulting from covered accidental events.
Illness coverage is generally not included.
Pet Insurance
Protection for the care your pet may need.
Pet insurance can help reimburse qualifying veterinary expenses when accidents or illnesses occur. Trinity can help you compare available plan types, deductibles, limits and reimbursement structures.
Pet Insurance
Insurance for certain veterinary
costs involving covered accidents
and illnesses.
01
Accidents
Covered injuries
02
Illnesses
Plan terms apply
03
Diagnostics
When covered
04
Reimbursement
Policy formula applies
Veterinary Costs
Pet insurance can help with certain unexpected veterinary bills.
Pet insurance policies can reimburse qualifying veterinary expenses according to the plan’s deductible, reimbursement method, limits and exclusions.
The policy selected determines which accidents, illnesses, treatments and other services are included.
Plan Types
Pet insurance is offered in different forms.
Plan names and included benefits vary between insurers. Read the policy terms before selecting a plan.
Accident & Illness
These plans may cover qualifying veterinary expenses associated with covered accidents and illnesses.
Limits, exclusions and waiting periods may apply.
Wellness Options
Certain products or add-ons may address routine services such as exams, vaccinations or preventive care.
Wellness benefits differ from accident and illness protection.
Veterinary Care
The policy determines which
treatments qualify for reimbursement.
How Coverage Is Used
A veterinary bill does not automatically mean a covered claim.
Coverage depends on the reason for treatment and the terms of the policy. Deductibles, reimbursement percentages and policy limits can affect the amount paid.
01
Covered condition
The accident, illness or treatment must fall within the policy terms.
02
Deductible
The policy may require a deductible before eligible reimbursement applies.
03
Reimbursement method
The insurer may reimburse an eligible percentage or amount according to the policy.
04
Policy limit
Annual, incident or other payment limits may apply.
Covered Care
Treatments may fall into several policy categories.
The examples below are general. Individual plans determine what is included.
Examinations
Certain plans may include qualifying examination fees related to covered accidents or illnesses.
Diagnostics
Covered care may include qualifying laboratory work, imaging or other diagnostic procedures.
Surgery
Certain surgical procedures may qualify when connected with a covered condition.
Prescriptions
Some policies include qualifying prescription medication according to plan terms.
Policy Eligibility
The pet itself can affect available policy choices.
Insurers may consider pet information when determining eligibility, available plans and pricing.
Policy availability can differ between dogs, cats and other pets.
Some insurers use age-related enrollment rules or pricing.
Breed information may be part of the policy rating process.
Prior conditions and treatment history may affect exclusions.
Cats & Dogs
Eligibility and policy details
can differ by pet and insurer.
Policy Review
Look beyond the monthly premium.
Deductible
Check whether the deductible is annual, per incident or structured another way by the policy.
Reimbursement
Review how the insurer calculates payment for qualifying expenses.
Waiting Period
Some policies have waiting periods before certain benefits become available.
Exclusions
Check rules concerning pre-existing conditions and other excluded care.
Before Choosing a Plan
Match the policy to how you want to handle costs.
Pet insurance plans can differ substantially. Comparing the policy mechanics can be as important as comparing the premium.
01
Check veterinarian rules.
Determine whether the plan allows your preferred veterinary provider or uses other requirements.
02
Check payment structure.
Some plans reimburse the policyholder after eligible veterinary expenses are paid.
03
Check benefit limits.
Understand applicable annual, incident or other policy limits.
04
Read exclusions.
Review excluded conditions, treatments and waiting periods before purchasing.
Getting Started
Start with your pet and the plan you want.
Basic pet information can begin the insurance discussion.
01
Tell us about your pet.
Share species, breed, age and basic information requested for available plans.
02
Choose a plan direction.
Consider accident-only, accident-and-illness or available wellness-related options.
03
Compare policy details.
Check deductibles, reimbursement, limits, waiting periods and exclusions.
04
Select your next step.
Read the policy information before choosing the plan you want.
Pet Insurance FAQ
Common questions.
Benefits and eligibility vary by insurer and plan.
Depending on the plan, pet insurance may reimburse qualifying veterinary expenses involving covered accidents, illnesses, diagnostics, treatment, surgery and prescriptions.
Pet insurance commonly contains exclusions involving pre-existing conditions. Definitions and rules differ by insurer, so check the policy before purchasing.
Accident-only coverage focuses on qualifying injuries caused by covered accidents. Accident-and-illness plans may also include qualifying illnesses, subject to policy terms.
Payment methods differ by insurer. Many policies reimburse the policyholder for qualifying expenses after treatment, while some plans may provide other payment arrangements.
Information may include the pet’s species, breed, age, location and other information requested by the insurer.
Pet Insurance
Be ready when your pet needs veterinary care.
Tell Trinity about your pet to begin reviewing available pet insurance plans, deductibles and reimbursement choices.