Your Monthly Membership Fee
Use your pet's current age to find your membership fee
The below information is a summary. Read our Pet Membership Agreement PDF for complete details.
Learn More
How it works
Program age limits
Annual PPR
Best for
Pre-existing conditions
Unlimited reimbursements
All conditions eligible
Wellness Budget
Change Membership level
Membership fee increases
Your part of the pet medical costs
What's included?
What's excluded?
How it works
Pay your monthly membership fee, and get your pet's medical costs covered. Use any vet, anywhere. We can reimburse you, or pay your vet directly if the bill is $1,000 or above.
This is not pet insurance. We are a 501(c) 3 nonprofit dedicated to helping animals. Our goal is to get your pet the medical help they need for their illnesses and injuries.
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Program age limits
Currently, your dog can join the program until he/she is 5 years old (if your dog is older, please check back later). You can always keep a Membership for the rest of your pet's life after joining.
We show you the Membership fees for your pet at all ages in the interest of full transparency. All Membership fees are adjusted annually, so you should not expect to pay exactly the above fees.
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Annual PPR
Your Personal Payment Responsibility or “PPR” is the amount of pet medical costs you are responsible for paying each year before you are eligible for reimbursement.
For Example:
Our Standard Membership has an annual PPR of $500. That means you pay the first $500 in medical costs for any illnesses or injuries your pet experiences each year. After that, our reimbursement program kicks in.
Best for
With a low annual PPR of $500, Standard Memberships help you pay for most significant unexpected medical costs your pet experiences.
Emergency Memberships have a higher annual PPR of $2,500. This is designed to help you with just the bigger unexpected medical costs, as they crop up.
Pre-existing conditions
Yes! Pre-existing conditions are eligible for reimbursement. For each year you keep your pet membership, we give you:
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An additional 10% reimbursement on pre-existing conditions, up to 90% total, and
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An additional $1,000 in annual reimbursements for pre-existing conditions, up to $10,000 annually.​​
​That means after you have your membership for 1 year, you get 10% of your pre-existing condition costs reimbursed, up to a maximum $1,000 for the year. Those numbers increase each year.
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Your annual Personal Payment Responsibility still applies only once per year.
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Unlimited reimbursements
Once you have a Membership, your pet gets unlimited reimbursements on any condition that comes up.
When you join, these waiting periods apply:
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​30 days for accidents and illnesses, and
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30 days for Wellness Budget, and
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1 year for orthopedic conditions.
There are no annual, per-condition, or lifetime limits on your pet medical costs.
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There are also no maximum per-item cost limits on the products or services your pet receives.
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All conditions eligible
All your pet's conditions are eligible for reimbursement - nothing has been singled out in the fine print. Here are some examples of hard-to-cover conditions we reimburse you for:
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Inherited conditions.
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"Bi-lateral" conditions, like getting a ligament tear on one leg after having it on the other leg previously.
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"Related" illnesses or injuries, like when a medicine for one condition causes another condition.
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Skin and ear conditions.
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Wellness Budget
Standard Memberships include a Wellness Budget to pay for preventative and routine pet medical costs. Each month we add funds into your Wellness Budget. For example, every month we add $25, giving you a total of $300 annually.
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The Wellness Budget is separate from your Personal Payment Responsibility, so you can use these benefits as you need them. Wellness Budget funds roll over for as long as the Pet Membership is maintained continuously.
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Change Membership level
You can downgrade from a Standard Membership to an Emergency Membership after you join.
However, you can't upgrade from an Emergency Membership to a Standard Membership, so please choose wisely.
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Membership fee increases
We show you the current membership fees for your pet at every age, so you have an idea of how Membership fees increase as pets age.
All Membership Fees are adjusted annually. How much? The simple truth is, we don't know that in advance.
We monitor the financial needs of the program, and respond as needed. A perfect example is the COVID-19 pandemic: No one could have predicted it, nor the big price hikes it caused.
As a 501(c) 3 nonprofit, we can promise to stay committed to giving your pet the best benefits available, at the lowest cost to you.
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Your part of the pet medical costs
You are always responsible for the following pet medical costs:
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Your annual Personal Payment Responsibility.
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Also, 10% of your pet's total pet medical costs. We reimburse the remaining 90%.
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Lastly, Any exam fees.
That's it. There are no administrative or sign-up fees to join, and no hidden fees later on.
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What's included?
Diagnosis
Testing required to find out what is wrong with your pet, such as:
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Blood Tests
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Tissue Tests
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Fluid Tests
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Eye Tests
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Ear Tests
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Skin Tests
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Cultures
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Fecal Tests
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Urine Tests
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X-rays
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Ultrasounds
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MRI Scans
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CAT Scans
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Pathology
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Radiologist
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Other costs to diagnose your pet
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Treatment
Treatments needed to heal your pet, such as:
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Hospitalization
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Surgery
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Medications
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Medical Supplies
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Cancer/ Oncology Treatments
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Organ Transplants
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Transfusions
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Internal Medicine Treatments
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Veterinary Anesthesia Specialists
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Orthopedic Treatments
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Eye/ Optometry Treatments
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Skin/ Dermatology Treatments
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Dental Treatment for Injuries
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Veterinary Bathing and Grooming
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Other costs to treat your pet
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Recovery
We put your pet on the path to a full recovery with additional support, such as:
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Physical Therapy
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Hydrotherapy
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Medical Equipment Rental
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Laser Therapy
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Prosthetic Devices
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Pet Wheelchair
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Lift Harnesses
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Mobility Aids
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Other costs to rehabilitate your pet
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Emergency
Extras for emergencies, such as:
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Pet Ambulance Transportation
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Emergency Hospital and Critical Care Specialists
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Poison Control Consultation
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Other emergency costs for your pet
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Wellness
Costs for vital preventative and routine medical care for Standard Memberships, such as:
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Wellness Exams
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Vaccines
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Dental Cleaning
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Wellness Blood Tests
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Heartworm Test
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Lyme Test
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Titer Test
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Fecal Test
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Spay or Neuter
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Heartworm Preventative
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Flea and Tick Preventative
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Dental Care Products
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Training and Behavioral Therapy
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Grooming
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Ear Cleaning
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Anal Gland Expression
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Nail Trims
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Grooming Supplies
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Microchipping
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Gastropexy
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OFA Testing and Certification
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Health Certificates
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Prescription Food
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Nutritional Supplements
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Vitamins
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Pill Pockets
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Over-the-Counter Medicine
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Over-the-Counter Medical Supplies
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Pet Activity Monitors
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Orthopedic Beds
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Heated or Cooled Beds or Bedding Supplies
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Acupuncture
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Bicom
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Chiropractic Treatments
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Electroacupuncture
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Holistic Treatments
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Homeopathic Treatments
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Magnet Therapy
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Massage Therapy
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Nutritional Counseling
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Ozone Therapy
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Physiotherapy
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Reiki
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TENS Therapy
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Veterinary Orthopedic Manipulation
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End of Life
Cross the rainbow bridge with respect and dignity:
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Pawspice/ Hospice Care
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In-Home Euthanasia Service
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Euthanasia Exam
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Euthanasia
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Cremation
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Extras
Those extra fees add up! That's why we reimburse:
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Medical Waste Disposal
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Sales Tax
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Shipping Costs
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What's excluded?
Non-medical Care
Normal costs associated with pets are not reimbursable. For example:
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Care products, grooming services, and diet.
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Transportation costs.
Optional or Avoidable Costs
Medical costs which are not necessary or could be avoided, such as:
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Elective or cosmetic procedures.
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Treatments your vet hasn't prescribed.
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Breeding costs.
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Repeated and preventable injuries, like a pet being struck by a vehicle on separate occasions.
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Alternative therapies.
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Financing fees.
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Remains costs other than cremation fees.
High Risk Activities
Activities or actions which place pets at greater risk, such as:
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Pet sports, competitions, or exhibitions.
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Occupational, professional, or business use of your pet.
Inhumane or Fraudulent Situations
We doubt any of these situations would apply to our pet parents, however they are not reimbursable:
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Injuries or illnesses resulting from abuse, neglect, or endangerment.
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Harmful activities, such as dog fighting.
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Prolonging the life of pets with a terminal diagnosis who are already in uncontrollable pain.
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Organ transplants or transfusions which are fatal or exploitive to the donor.
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Fraud.
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Amounts above your actual costs for products and services.