Our Services

Plans

Tailored pet insurance options for every need.

Accident

Coverage for unexpected injuries and emergencies.

Illness

Protection against breed-specific and common illnesses.

Wellness

Routine care plans to keep your pet healthy.

Combo

Flexible plans mixing illness and accident coverage.

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Common Questions

What does insurance cover?

Coverage varies by plan but includes accidents, illnesses, and sometimes wellness care.

How do I file a claim?

What are "Curable Condtions?"

Can I combine illness and accident plans?

Do you offer discounts?

Yes, for veterans.

Absolutely, I help you find the right mix of plans that fit your budget and cover what matters most.Claims can be done directly or with my help.

Yes, this can be done and I recommend it.

Top 10 Conditions & Most Susceptible Breeds

• Skin Allergies: Golden Retrievers, Labrador Retrievers, and French Bulldogs are the most susceptible.

• Ear Infections: Cocker Spaniels, Basset Hounds, and Labrador Retrievers have the highest incidence due to ear shape or underlying allergies.

• Gastrointestinal Issues: German Shepherds and Great Danes are frequently affected by sensitive stomachs or severe conditions like bloat.

• Skin Masses/Tumors: Boxers and Golden Retrievers have a high genetic risk for both benign and cancerous growths.

• Arthritis: German Shepherds, Rottweilers, and Labrador Retrievers are most prone to chronic joint inflammation.

• Dental Disease: Yorkshire Terriers, Dachshunds, and other toy breeds are most susceptible due to crowded teeth in small mouths.

• UTIs: Bichon Frises and Shih Tzus are among the breeds frequently seen for urinary issues.

• Soft Tissue Trauma: Labrador Retrievers and German Shepherds are most likely to sustain these injuries due to their high activity levels.

• Heart Disease: Cavalier King Charles Spaniels and Boxers have the highest predisposition, especially for valve diseases.

• Cruciate Ligament (CCL) Tears: Rottweilers, Newfoundlands, and Staffordshire Terriers are at the highest riskWrite your text here...

Bilateral Conditions and Insurance Warnings

Bilateral conditions are a major concern for 2026 pet insurance because many providers treat them as a single pre-existing condition. If your dog has an issue on one side before the policy starts, the other side is often excluded.

1. Cruciate Ligament (CCL) Tears: Rottweilers have the highest odds of bilateral rupture. Statistically, 40–60% of dogs that tear one CCL will tear the other within 12–15 months.

2. Hip/Elbow Dysplasia: German Shepherds and Labrador Retrievers are most affected. This is almost always bilateral, though one side may show symptoms before the other.

3. Cherry Eye: Bulldogs, Cocker Spaniels, and Mastiffs often experience this in both eyes, either simultaneously or months apart.

4. Patellar Luxation: Chihuahuas and Miniature Poodles frequently have bilateral slipping kneecaps, which may lead to bilateral surgery.

5. Cataracts/Glaucoma: Cocker Spaniels and Boston Terriers are highly susceptible to bilateral vision issuesWrite your text here...

In the pet insurance industry of 2026, "curable" conditions are temporary illnesses or injuries that can be fully resolved with treatment. Many insurers will cover these conditions again in the future if the pet remains symptom-free and treatment-free for a specified "look-back" period—typically 180 days or one year.

Common Curable Conditions

• Infections: Ear infections, urinary tract infections (UTIs), and upper respiratory infections.

• Gastrointestinal Issues: Non-chronic vomiting and diarrhea, or general stomach upset not linked to a lifetime disease.

• Acute Injuries: Broken bones, sprains, lacerations, and bruises.

• Minor Ailments: Kennel cough, worms, and skin conditions like simple rashes or cuts

Crucial 2026 Insurance Nuances

1. Look-Back Periods: Providers like Pets Best and ASPCA generally require 180 days symptom-free to consider a condition "cured," while Lemonade and Paw Protect may require a full 12 months.

2. Orthopedic Exclusions: Most insurers (including ASPCA and Pumpkin) specifically exclude knee and ligament conditions (like CCL tears) from ever being considered curable, even if the pet has surgery and makes a full recovery.

3. Chronic Linkage: If a curable issue (like a UTI) is later determined to be a symptom of a chronic disease (like diabetes), it will be retroactively classified as an incurable pre-existing condition and denied for future coverage.

4. Bilateral Impact: If a "curable" condition occurs on one side of the body (like an ear infection), some companies may view a subsequent infection in the other ear as a recurrence rather than a new event, potentially affecting your waiting period reset.