Pet Insurance
Caring for a pet comes with its own set of insurance questions — how the coverage works, what it costs, and how claims get paid. We'll walk you through all of it, so you know what to expect from your plan and where your pet's risk is covered.
This coverage works differently from your other HUB policies, matches your plan to what veterinary care costs, simplifies claims documentation and clarifies where your pet's liability risk lives
Important Considerations
Where our advisors can help
Pet insurance raises questions that don't come up with your other coverage, from how it's structured to what happens when you file a claim. Here's where an advisor can walk you through the decisions that matter, so you and your pet are covered without the guesswork.
This coverage isn’t placed through direct carrier access the way auto or home insurance is at HUB. It’s delivered through specialized partner arrangements.
Pet insurance doesn't come from the same carriers who handle your home or auto policy. It's offered through a small number of specialized providers who focus only on pets, so shopping for it feels different from what you're used to.
An advisor can walk you through this specialized network up front, so you know which providers are available to your pet and why the process looks different from getting a quote on your car or home.
The most common question we hear is why pet coverage can't be compared the same way as an auto policy. The short answer: pet insurers underwrite around a pet's breed, age and health, so the process is set up differently from day one.
Once you understand this coverage runs through its own specialized program, you can compare plans and choose one with confidence.
Many pet owners choose limited coverage or pass on wellness benefits without fully understanding how expensive care can become. On top of that, differences in plan design, breed-specific exclusions and pre-existing condition rules can create coverage differences that often don’t become obvious until it’s time to file a claim.
A lot of pet owners buy the minimum plan or skip preventive care coverage without a clear sense of what an emergency vet visit can cost. And even with a plan in place, details like your pet's breed or an existing condition can limit what gets reimbursed.
An advisor can look at your pet's breed, age and health history and help build a plan around those specifics, so you're covered for what your pet is likely to need.
Denied claims usually trace back to something in the fine print — a breed exclusion or a pre-existing condition — that never got flagged when the policy was purchased. Reading that fine print early is the easiest way to avoid it.
Matching your plan to your pet's breed, age and history means your coverage is there for the condition your pet is most likely to face.
A claim under this coverage requires submitting itemized veterinary records and navigating reimbursement timelines that work differently than human health insurance and filing for the first time during an actual emergency can be confusing.
Filing a pet insurance claim looks nothing like filing under your health plan or a typical home claim. You'll need itemized records from your vet, and reimbursement can take longer than people expect. Most owners find this out for the first time in the middle of an emergency.
Ask your advisor for a quick walkthrough of what your vet's office needs to submit and how long reimbursement usually takes, so you already know the steps before you're standing in an emergency room.
A tip we give every pet owner: ask your vet's office to itemize the invoice before you leave, even for a routine visit. That one habit prevents almost every claims delay we see.
Knowing what your provider requires ahead of time means you can file your claim calmly and get reimbursed without extra back-and-forth.
This coverage is rarely reviewed alongside the rest of your household’s program, even though a pet-related liability incident like a dog bite or property damage caused by your pet,implicates your homeowners or umbrella liability coverage, not your pet’s own policy.
Pet coverage and homeowners coverage usually get reviewed separately, if pet coverage gets reviewed at all. But if your pet bites someone or damages someone else's property, that claim runs through your homeowners or umbrella policy, not your pet's accident and illness plan.
An advisor can check your pet-related liability exposure at the same time you review your homeowners or umbrella coverage, so both get handled in one conversation instead of two.
We ask every pet owner the same question during a homeowners review: does your liability coverage account for your pet? Most people haven't thought about it until we bring it up.
Once your homeowners or umbrella policy accounts for your pet, you're covered if the unexpected happens.
Other Coverage Considerations
Helping you build a more complete protection strategy
Insights for You
Pet Insurance insights and resources
