Every breed. Every age.
Puppies to seniors, mixed breeds to purebreds. If they wear a collar, we can help you cover them.
Collar & Cover insures dogs and cats, and nothing else. A licensed, independent agency that walks you through your options, explains the fine print in plain English, and stays on the phone with you when the claim actually matters.
Puppies to seniors, mixed breeds to purebreds. If they wear a collar, we can help you cover them.
Pet insurance is reimbursement-based: you pay the vet, submit the invoice, and get paid back. Here's what accident-and-illness plans typically pay for.
Coverage, waiting periods, and exclusions vary by plan and state. Pre-existing conditions are generally not covered. Your agent will walk you through the specifics.
You're not buying from a website. Collar & Cover is a licensed agency, and you get a named agent from quote to claim.
Two minutes online or a ten-minute call. Species, age, ZIP, and what you'd want covered.
Deductibles, reimbursement rates, and exclusions translated into plain English, so you pick the plan that fits.
Enroll in minutes. When a claim happens, call us first. We'll help you file it and follow it through.
One emergency can cost more than years of premiums.
How the math works on a plan with a $250 deductible and 90% reimbursement: you pay the deductible, then 10% of the rest.
| Example vet bill | Bill | You pay |
|---|---|---|
| Knee ligament surgery | $4,500 | $675 |
| Swallowed-object surgery | $3,200 | $545 |
| Urinary blockage (cat) | $2,800 | $505 |
Every adoption and every first puppy or kitten visit is the moment pet parents are most open to insurance. We make it easy to offer, with no extra work for your staff.
A licensed agent your adopters can reach at the moment they take their pet home, so new families start out protected.
Insured clients can say yes to the care you recommend. We provide counter materials, a referral link, and a named agent for your front desk.
A simple way to point the pet parents who already trust you to a licensed agent who will take good care of them.
Someone in your corner on the worst day of your pet's life.
Indoor or outdoor, kitten or senior. Cats get the same licensed agent and the same plain-English walkthrough.
Generally, anything your pet showed signs of before the policy started or during the waiting period. That's why it pays to enroll while your pet is young and healthy. It's one of the biggest factors in how much a plan is worth to you.
Typically no. Pet insurance plans generally work with any licensed veterinarian, emergency hospital, or specialist in the U.S. Your agent will confirm for your plan.
You pay the vet, send in the invoice (usually a photo in an app), and the carrier pays you back at your chosen rate after the deductible.
You get a licensed person who explains your options and the exclusions, and who picks up the phone when a claim gets complicated.
We're starting with Illinois and adding states as we're licensed. Enter your ZIP in the quote form and we'll let you know.
Two minutes to request a quote. A licensed agent on every policy. And someone in your corner when it counts.
