What is PIPA?

PIPA is an acronym that stands for “Pet Insurance Policy Automation”. We bring pet insurance quotes to you. It’s that simple.

We do not sell our own insurance - we help pet owners learn about the pet insurance options available to them, we help them compare quotes, and we help them bind a great deal from a trusted brand. For more about us, like our mission, qualifications, and licensing information, click here.

What makes PIPA different?

Think of PIPA as your pet insurance broker. We simply guide you to the companies that can provide protection for your fur family members’ needs. We take the time gathering the data so you don’t have to.

Okay, cool! So, what is pet insurance?

Think of pet insurance as a safety net for your furry friend's health. Just like our health insurance, it helps cover unexpected medical expenses for your pet. If your dog swallows something they shouldn't or your cat develops a sudden illness, pet insurance can help manage the vet bills. You pay a monthly premium, and in return, the insurance reimburses you for covered veterinary costs.

How does pet insurance work?

Well, here’s how it works in a short list:

1. Choose a Plan: Select a policy that fits your pet's needs and your budget.

2. Pay Upfront: When your pet needs care, you pay the vet directly.

3. Submit a Claim: Send the bill to your insurance provider.

4. Get Reimbursed: After meeting your deductible, you'll receive a percentage back based on your plan's reimbursement rate.

Some insurers offer direct payment to vets, but most operate on a reimbursement basis.

What is normally covered under a pet insurance insurance policy?

Coverage varies by plan, but common inclusions are:

• Accidents: Broken bones, cuts, or swallowed objects.

• Illnesses: Infections, cancer, or chronic conditions.

• Diagnostics: X-rays, blood tests, and MRIs.

• Medications & Surgeries: Prescriptions and necessary operations.

• Emergency Care: Urgent treatments and hospital stays.

Some plans also offer add-ons for routine care like vaccinations and dental cleanings.

Great! And what is normally NOT covered under a pet insurance insurance policy?

It is important to be aware of common exclusions:

• Pre-existing Conditions: Health issues noted before policy start.

• Routine Care: Unless you have a wellness add-on, regular check-ups and preventive treatments might not be covered.

• Cosmetic Procedures: Surgeries like ear cropping or declawing.

Always read the fine print to understand your policy's specifics.

Why should I consider pet insurance?

Consider the following question: What would I do if my pet had a $6,000 vet bill tomorrow?

Pet insurance can be worth the cost if you have the right coverage. For the many Americans who can barely afford an unexpected expense of $1,500, pet insurance may help them sleep soundly at night with their furry family members.

According to the latest Grand View Research pet insurance industry report, spinal surgery claims are among the most common high-value claims, often costing in the range of $10,000 to $13,000. The cost of a fractured femur for a cat can exceed $10,000. Arthritis treatments in canines can cost over $2,500, while diabetes treatment in cats generally costs about $1,300. Treating a torn ACL in a dog can cost over $3,000. The Association of British Insurers (ABI) states that the most common ongoing claims are those for treating diabetes and skin conditions.

Vet bills can add up quickly. Pet insurance provides peace of mind, ensuring you can afford necessary treatments without financial strain. It's especially beneficial if your pet is young, as enrolling early can help avoid exclusions for pre-existing conditions.

Pet insurance isn't just another expense; it's an investment in your pet's health and your peace of mind. By preparing for the unexpected, you ensure that your beloved companion receives the best care possible without the added stress of hefty vet bills.

How much does pet insurance typically cost?

The monthly cost of pet insurance for a dog and cat can vary widely depending on several factors, but here's a general breakdown:

1. Breed: Some breeds are more prone to health issues (e.g., French Bulldogs, Golden Retrievers, Siamese Cats).

2. Age: Older pets cost more to insure.

3. Location: Veterinary costs vary by region (urban areas often cost more).

4. Coverage Level: Higher annual limits, lower deductibles, and higher reimbursement rates raise premiums.

5. Add-ons: Routine/wellness care (vaccines, dental, check-ups) adds to the cost.

The best way to know what price to expect is to compare quotes between pet insurance carriers. That’s what PIPA does best.

What pets are able to be insured?

Currently we work with pet carriers that provide automated quotes for dogs and cats. For more unique pets, like horses, please reach out to a carrier directly.

My pet is older. Is pet insurance still a good fit?

Pet insurance for older animals may still be a good fit. Often it may require more coverage to cover more common ailments in older pets, like cancer. Wellness plan add-ons may be a good addition to basic coverage to make your older furry family member more comfortable in their later years.

My pet has pre-existing conditions. Should I still consider pet insurance?

Most pet insurance plans do not cover pre-existing conditions. However, this doesn’t mean pet insurance is moot. Pets can still have accidents, emergencies, or may develop illness that may be covered by your current policy.