Does Your Pet Need Health Insurance?

You don’t just like your pets, you love them! And I am sure you hate to make a decision between getting the best health care for your “baby” and blowing your budget. On top of it, you spend hundreds for preventive care every year even if your pet is perfectly healthy!

As pet owners, we know that Pet Health Insurance has been around for a while but most products have had various caveats. Excluded conditions, excluded treatments, various restrictions, high premiums, and deductibles. Safeco (a Liberty Mutual Company) has joined forces with Hartville Pet Insurance to provide insurance that not only provides complete coverage but also for an affordable price.

Safeco’s Complete CoverageSM gives you the comfort of knowing accidents, illnesses, cancer, hereditary conditions, behavioral issues, and dental disease are covered. It also covers exams, diagnostics, and treatments, including alternative therapies. We really wish we knew about this before since earlier this year we paid over $700 for The Bright Dog’s broken tooth extraction surgery out of pocket!

Bright Dog Pet Insurance

So how does it work?

After you sign your pet up (we will need to know his or her name, gender, breed, and age), you can start using the benefits right away if there is an accident or a need preventative care. For illnesses and knee/ligament injuries there is a 14-day waiting period. You can go to any veterinarian, specialist, or emergency clinic. To receive reimbursement after your vet visit, you will only need to fill out and submit a reimbursement form online.

How much you will get back is also easy to calculate. Reimbursement options are 70%, 80% or 90%, based on your choice. You can also select the annual limit ranging from $2,500 to $15,000 (optionally more) and a deductible of $100, $250, or $500 per year. The good thing is that you can not only submit your claim online, you can also track it there and manage your account, all through a very simple and easy to use website.

Do you already have your car or home insured with Safeco? You will get a 10% discount! Do you have more than one pet that you’d like to insure? You will get another 10% off!

The pricing is based on breed, gender, and age and with increasing age, the premium increases as older pets are also prone to more illnesses and joint problems. Pre-existing illnesses are covered if they were cured for 180 days and the pet has been symptom-free since then.

The preventive packages start at $9.99 per month and cover teeth cleaning, wellness exams and vaccinations. It works out to about 50% discount on the costs!

Let us know if you have questions or you’d like to have your pet quoted. It takes less than 5 minutes! Call us at 972-584-1286 or email us!


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