A basic accident and illness plan can cover diagnostics, treatments, medications, and hospital stays related to unexpected accidents (like fractures) and illnesses, including hereditary issues (such as hip dysplasia), chronic conditions, infections, and infestations.

Unexpected veterinary costs can quickly escalate, forcing tough choices between your pet’s well-being and your financial stability. Pet insurance offers peace of mind, ensuring that if the unforeseen happens, you can prioritize your pet’s care without straining your budget.

To provide the best possible experience for your pet, we’ll ask for their medical records after you purchase an insurance policy. These records contain essential details about your pet’s health, including any pre-existing conditions, and will help streamline the process when reviewing your claims.

Pre-existing conditions refer to any health issues your pet displayed symptoms of before the policy's waiting period was completed. While these are not covered, our base plan provides protection for new illnesses and accidents that occur after coverage begins.

Pet Cover Hub uses a reimbursement system. You cover the vet bill initially, then file a claim with us. After approval, we’ll reimburse the eligible amount straight to your bank account, accounting for your deductible and co-insurance.

Yes, you can choose any licensed veterinarian in the United States. As long as they’re authorized to provide veterinary care in their state, you’re good to go.