Pet Insurance: the Best Protection for Your Best Friend!

Agent Ruger left (6mos. old) Agent Sky right

When people reach out to me asking what I think is the most important thing to do for their pet, my answer is always the same – Get pet insurance! Why am I such a huge advocate for pet insurance? The reason is really very simple, It’s not IF you will need insurance, it’s WHEN you will need it. The last thing that you ever want to be faced with is having to make medical decisions for your beloved pet based on your financial situation or how much financial hardship that the best and most appropriate medical will cost.

Pet Partners

That’s why The Agent Insurance Services has partnered with Safeco Insurance® and the Hartville Pet Insurance program – one of the largest and oldest pet insurance providers in the United States – to offer pet insurance to four-legged family members.

Everyone is eligible for Pet Health Insurance, but Safeco Insurance® customers are eligible for a discounted rate.

Program details

You’ll be able to choose from a range of different annual limits, deductibles, and reimbursement percentages. You’ll also have the freedom to choose any licensed veterinarian, specialist, or emergency clinic. And there’s no waiting period for Preventive Care coverage if you’ve added it to your plan.

As long as your cat or dog is at least eight weeks old, your pet is eligible to be enrolled in the Hartville Pet Insurance Program, through The Agent Insurance Services.

Covered Medical Expenses:

Accidents/injury
Illness
Hospitalization
Emergency pet visits
Surgery
Dental illnesses
Alternative therapies

Optional preventive care add-ons:

Vaccinations
Annual physicals
Flea prevention

Real Life Experience

Pet Insurance has allowed us to get Ruger and Sky the best veterinary care that they needed when they needed it. Ruger had dental surgery to remove an oral growth, x rays for gastroenteritis,miscellaneous lab work, and monitoring.

Most of this care would have put a strain on our family financially without insurance. It has allowed us to choose the best and most appropriate veterinarians, specialists, surgeons and clinics for Ruger to receive care. Being able to choose the best specialists and surgeons for our pups, without the worry of a financial burden or having to make a tough decision based on the cost of care is priceless.

There are many pet insurance companies out there to choose from, but in my experience, Safeco Insurance® and the Hartville Pet Insurance have been amazing. They make the process so easy, from filing a claim to quick reimbursement. I hope that my experience can help others and increase awareness of the importance of pet insurance to take some of the stress out of already difficult situations when our pets are faced with an unexpected illness or medical emergency.

Pet Insurance is a small price to pay for unconditional love and your peace of mind. Talk to a one of our agents today to get a policy that’s right for you and your pet.

Frequently Asked Questions:

Is my pet eligible for pet insurance?

All dogs and cats 8 weeks old and up are eligible coverage – even older pets! No pet parent will be denied coverage based on their pet’s medical history or age. Even better? No physical exams or vet certifications are required prior to enrollment.

Pricing increases as pets age, so we encourage pet parents to enroll pets when they are young and healthy. This also helps ensure conditions don’t become pre-existing.

How do I use my pet insurance?

Take your pet for treatment. Your pet insurance can be can be used for treatment at any veterinary clinic in the United States or Canada, including treatment from specialists and emergency care facilities.
Pay your vet bill.
Submit a claim to get reimbursed. Claims can be submitted online, by mail, or by fax.

How much will I be reimbursed for vet bills?

The policy is customizable to your needs. You can choose a deductible of $100, $250, or $500. The deductible is annual, so after you meet the deductible amount you select, you won’t have to satisfy it again until your next 12-month plan period. (Note: You do not have to satisfy your deductible before you can be reimbursed for preventative care if you add Preventive Care to your plan for a small additional charge.)

Veterinary bills are reimbursed at up to 90, 80, or 70%, depending on the reimbursement percentage you selected when you bought the policy.

What payment options are available?

Payments are accepted on a monthly, quarterly, semi-annual, or annual basis. Pet parents can choose to pay via credit card or through an automated checking withdrawal.

Can I have more than one pet on my account?

Yes! You can enroll multiple pets at one time or add pets later. Every pet will have an individual policy and premium. You’ll receive a 10% discount on the base plan premium for each additional pet you insure with us.

What limitations and exclusions does the policy have?

Accident coverage, with the exception of coverage for ligament issues and knee conditions, will start on the effective date of the policy. Coverage for illnesses, ligament issues, and knee conditions starts on the 15th day after the plan effective date.

The following items are not covered by the policy:

Pre-existing conditions. However, an injury or illness that is cured with no symptoms or treatments for 180 days can be covered in the future
Elective cosmetic procedures, such as tail docking, ear cropping, and claw removal.
Costs associated with breeding and pregnancy.

Find out if THE AGENT INSURANCE SERVICES is right for you. A qualified agent will be in touch.