Pet insurance and health plans help pet parents say yes to recommended care by providing financial protection for unexpected medical needs and support for routine services. Below is a complete overview of available plans, what they cover, and how the process works.
Available Plan Types
We offer four plan options:
1. Illness & Accident
Available through Hartville.
What it covers:
Accidents
Illnesses
Diagnostics
Treatments and therapies
This plan provides comprehensive coverage for unexpected medical issues related to both injuries and sickness.
2. Extensive Care
Available through ASPCA + Mint Wellness.
What it covers:
All Illness & Accident benefits
Preventive and wellness care for preventive services
This plan includes full accident and illness protection plus routine preventive services.
3. Wellness Only
Available through Mint Wellness.
What it covers:
Routine services only
This plan does not cover accidents or illnesses. It is designed specifically for ongoing preventive care.
4. Accident Only
Available through Odie.
What it covers:
Accidents only
This plan does not include illness coverage or routine preventive services.
Coverage Details
Accidents and Illnesses
Illness & Accident and Extensive Care plans cover both accidents and illnesses.
Accident Only covers accidents but does not cover illnesses.
Wellness Only does not cover accidents or illnesses.
Routine and Preventive Services
Preventive care may include services such as annual exams, vaccinations, and routine lab work.
Wellness Only and Extensive Care include:
One annual exam
Two vaccinations
One bloodwork panel
Either a urinalysis or fecal test
Coverage up to $350 total per year
Illness & Accident and Accident Only do not include preventive services unless a wellness add-on is purchased.
Pre-Existing Conditions
Pre-existing conditions are not covered.
However, under Illness & Accident and Extensive Care, a curable condition may be eligible for coverage if it has been free of symptoms and treatment for at least 180 days.
Please note:
Knee and ligament conditions that occurred before coverage began or during the waiting period are not eligible for coverage.
Waiting Periods
Illness & Accident and Extensive Care have a 14-day waiting period for accidents and illnesses.
Accident Only typically has a shorter waiting period for accidents and does not include illness coverage.
Wellness benefits under Wellness Only and Extensive Care begin immediately.
Common Coverage Questions
If a pet swallows a toy and needs surgery, is it covered?
Surgery for swallowing a foreign object is covered under:
Illness & Accident
Extensive Care
Accident Only
It is not covered under Wellness Only.
If a pet eats chocolate, is treatment covered?
Treatment for accidental poisoning, such as chocolate ingestion, is covered under:
Illness & Accident
Extensive Care
Accident Only
It is not covered under Wellness Only.
Choosing the Right Plan
Choose Illness & Accident for broad protection against unexpected medical issues.
Choose Extensive Care for full protection plus preventive services.
Choose Wellness Only if you are looking strictly for routine care coverage.
Choose Accident Only for budget-friendly protection against injuries only.
If you have questions about which plan is right for you, our support team is happy to help.
Exclusions
The following are generally not covered:
Pre-existing conditions
Elective or cosmetic procedures
Breeding-related expenses
Similar non-medical services
Specific exclusions may vary by plan. Plan documents outline complete details.
Claims
Claims are submitted directly to the insurance carrier or wellness provider. Reimbursement is paid directly to the pet parent.