Frequently Asked Questions

Let us teach you about pet insurance

What is pet insurance?

Doggo helps you pay for unexpected veterinary expenses due to accidents or illnesses. So, if your pet gets injured or becomes ill, Doggo helps pick up the bill.

Why do you need pet insurance?

Do you know, every six seconds, a pet parent is faced with a vet bill for $3,000? i And one in three dogs will need unexpected veterinary care each year. i When your pet is sick or injured, Doggo pet insurance helps provide peace of mind, so you worry less about expensive vet bills.

How much does pet insurance cost? And how does Doggo price its dog protection plans?

Your premium is based on your dog’s age, breed, and where you live. Your premium also varies based on how you set your deductible, reimbursement rate, and maximum annual payout. We want you to have a plan that fits your needs! We do not have different pricing based on gender or spayed/neutered status.

Who qualifies for Doggo insurance?

We will insure any dog that is at least 8 weeks old, with no upper age limits. We think every dog deserves insurance! We also cover cats!

Where can I use my Doggo insurance?

You may visit any licensed veterinarian in the US, Puerto Rico, or Canada. We know how important it is to be able to be able to go to your pup’s regular vet or a specialist for emergencies.

What does pet insurance cover?

At Doggo, we pride ourselves on the breath of our coverage for your pup. We want to be here for you and your dog when you need us the most. Read on for what we cover!

We cover:

  • Accidents
    Examples: Bite wounds, cuts, broken bones, swallowed objects, and toxic ingestions

  • Illnesses
    Examples: Cancer, dental disease, arthritis, hypothyroidism, ear infections, digestive problems, and UTIs

  • Hereditary and congenital conditions
    Examples: Heart disease, intervertebral disk disease (IVDD), eye disorders, and hip dysplasia

  • Behavioral issues
    Examples: Excessive licking, fur pulling, pacing, and destructive chewing

We also cover alternative therapies, chronic conditions, prescription medication for accidents and illnesses and microchip implantation. We even cover stem cell treatments, should your pup need it.

Want to know what we don’t cover? We have a page for that here.

How does reimbursement work?

When you submit your vet bill to us, we will reimburse you an amount determined by your Doggo plan.

The Doggo standard plan pays you 80% of the cost of covered claims, up to an annual limit of $10,000. You’ll first pay an annual deductible of $250.

Our plans let you customize your reimbursement rate, max annual payout and deductible when you purchase your plan.

Here’s a few examples of how reimbursements work:

Do you cover regular check ups for my pet?

We do with our Preventive Care Add-on! For an additional $24.95 a month, preventive care can be added to any plan. Our Preventive Care Add-on covers everyday health costs like wellness exams, dental cleaning, vaccinations, and neutering/spaying.

How do you cancel your insurance?

You may cancel your policy at any time by giving us a call at  1-877-343-6271. We have no cancellation fees, ever!

If you have any questions, contact us at [email protected]! We look forward to hearing from you.

Notice for California Residents
Important Insurer Disclosures (DE, LA, WA, ME, MS, NE, NH)

Insurance plans are underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ), and produced and marketed by Algo Technologies, Inc. d/b/a Doggo (NPN # 19332914. 450 9th St. San Francisco CA 94103. California producer license number 626248). PTZ Insurance Agency Ltd. (NPN: 5328528. domiciled in Illinois with offices at 1208 Massillon Road, Suite G200, Akron, Ohio 44306) is responsible for administration and claims adjudication. (California residents only: PTZ Insurance Agency Ltd., d.b.a PIA Insurance Agency Ltd. CA license #0E36937).

Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit Preventive Care coverage reimbursements are based on a schedule. Accident & illness coverage reimbursements are based on the invoice. Products, schedules, discounts, and rates may vary and are subject to change.

* Dog training service access at no additional cost is not available in all states. Currently not permitted in Alaska, Connecticut, Idaho, Indiana, Minnesota, New York, North Dakota, Pennsylvania, Rhode Island, and Washington.