Pet Insurance Peace of Mind for You and Your Pet

At Animal Family Veterinary Care Center, we believe every pet deserves access to the best possible care—without financial stress standing in the way. Pet insurance helps make that possible by reimbursing you for a portion of your veterinary expenses, whether it’s for an unexpected emergency or routine wellness care

If you have any questions please contact us at 563-391-9522.

Tabby cat laying on top of Pet Insurance Policy

Dog and cat sitting under a yellow umbrella

Benefits of Having Pet Insurance

Protects you from unexpected veterinary costs
Allows you to focus on getting the best care for your pet without having to worry about finances
Gives peace of mind and reduces stress centers around your pet’s health
Can be used at any veterinary clinic

How Pet Insurance Works

Step 1: Choose a Plan

You select a policy from a pet insurance provider based on your pet’s needs and your budget.

Step 2: Pay Your Vet Bill

At the time of your visit, you pay us directly for services rendered.
Make a Payment >

Step 3: Submit a Claim

You send your invoice and medical records to your insurance provider.

Step 4: Get Reimbursed

Get Reimbursed: If the treatment is covered, your provider reimburses you based on your plan’s deductible, reimbursement rate, and annual limit.

*** Some providers offer direct pay to veterinary clinics, but most operate on a reimbursement model.

What Does Pet Insurance Cover?

Coverage varies by provider and plan, but most policies fall into one of three categories:

Plan Type: Accident-Only

What it Covers: Injuries from accidents (e.g., broken bones, swallowed objects)

Plan Type: Accident & Illness

What it Covers: Accidents plus illnesses like infections, cancer, allergies, and more

Plan Type: Wellness Add-Ons

What it Covers: Routine care such as vaccines, dental cleanings, flea/tick prevention

*** Note: Most plans do not cover pre-existing conditions, elective procedures, or cosmetic treatments.

Things to Know when looking for insurance

Age

Breed

Gender

Coverage

Deductible

Deductibles

Deductible is important because it determines the amount you'll need to pay out of pocket before the insurance coverage kicks in. A lower deductible means you'll have less upfront expense when filing a claim, but it may result in higher monthly premiums. On the other hand, a higher deductible can lead to lower monthly premiums but requires you to pay more before the insurance starts covering expenses. Considering the deductible helps you find a balance that suits your budget and risk tolerance.

Waiting Period

Insurance FAQ

Pet Health Insurance - What is it?

Is Pet Health Insurance like Human Health Insurance?

Since pets are legally considered to be property, pet insurance falls under the Property and Casualty insurance classification, like home and auto insurance.

Pet insurance is reimbursement-based meaning, pet owners will pay for the cost of veterinary care and the claim is processed as reimbursement to the Owner.

No in-network or out-of-network! Clients can use their pet insurance policy at any veterinary clinic that they like!

When to purchase Pet Insurance?

Pre-existing conditions- what are they?

Does insurance cover preventative care?

Recommendations?

Pet Insurance Peace of Mind for You and Your Pet

Benefits of Having Pet Insurance

Protects you from unexpected veterinary costs

Allows you to focus on getting the best care for your pet without having to worry about finances

Gives peace of mind and reduces stress centers around your pet’s health

Can be used at any veterinary clinic