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FAQ

Frequently asked questions

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QWhat is pet health insurance?

Pet health insurance helps you pay for veterinary care for your dog or cat by reimbursing you for eligible charges.

QWhy do I need pet insurance?

As more treatments become available for animals, the costs of veterinary care are rising rapidly. When unexpected accidents occur or when our pets get sick, we want to make sure we do everything possible to get them healthy again and keep them healthy for the foreseeable future. With pet insurance, you'll have the financial support to help keep your pets healthy. 

QWhat does wellness care cover?

Pet insurance typically protects pets in case of accidents or illnesses. Because wellness care is so important to help keep your pet happy and healthy, we have two options for this care - which includes vaccinations and check-ups - that you can add for a low cost.  You can add wellness care, for a low additional premium, to the Plus or Premier plan.

QWhat does it cost?

We can provide competitive accident and illness coverage for as little as $30 per month. However, please keep in mind that your cost will depend on factors such as the plan of coverage you choose, breed and age of your pet, as well as the cost of veterinary care in the area in which you live. Start the quick and easy quote process for more specific information concerning the cost of insuring your pet.

QOnce I've enrolled, how long before my pet insurance is effective?

We issue pet insurance plans on the 1st and 15th of the month. If your application is accepted and payment is received from the 1st to the 14th of the month, your anticipated effective date would be the 15th. If your application is accepted and payment is received after the 15th, your anticipated effective date would be the 1st of the following month. Please note that all plans are subject to underwriting and are not issued without receipt of payment.

QWhen can I start using my pet insurance?

One of the great things about our pet insurance is that accident and wellness care coverage, if included, will start as soon as your plan is effective. Illness coverage, if included, begins 30 days after your effective date. Costs associated with the diagnosis, treatment, or surgery for ligament or knee conditions that occur during the first 12-month policy period are not covered.   

QWhat are my payment options?

Payments may be made by credit card (VISA, MasterCard, American Express and Discover) or debit card.  We accept payments on a monthly or annual basis. 

QCan I save money by paying annually?

Yes. We'll waive our low installment fee if you pay your 12-month plan in full. This fee is not applicable in all states.

QDoes Protect your bubble offer a multiple pet discount?

Yes!  There is a 10% discount when signing up multiple pets on the Essential, Plus, and Premier plans.  Please keep in mind that the discount does not apply to the Safety Plan.

QCan I stay with my veterinarian?

Yes! We wouldn't want you to have to change veterinarians. In fact, with our pet insurance, you can use ANY licensed veterinarian in the US or Canada. This way, your pet is even covered if you're travelling. 

QHow do I submit a pet insurance claim?

All you have to do is fill out our 1-page claim form, then fax, mail, or email it to us with your receipts. Just make sure you sign the form and submit your itemized receipts. To make it even easier, we do not require your veterinarian to fill out any part of the form or sign it.

QWhen should I submit my claim?

You should submit your claim within 180 days after the treatment of your pet from a licensed veterinarian.   

QHow long does it take to get reimbursed?

We work hard to process our pet insurance claims as quickly as possible. Our goal is to process claims within 15 days of receipt of required information.

QWhat are "usual and customary charges"?

These are veterinary costs covered by your pet insurance plan and considered reasonable in geographic areas similar to yours. We use available industry and proprietary data to determine fair and reasonable costs. 

QHow does the deductible work?

Our pet insurance has a low $100 annual deductible per pet. Our deductible only needs to be met once per plan year, no matter how many incidents occur. This is different from per incident deductibles that require you to pay a new deductible for every single injury or illness, which can really add up. Please note there is a separate $100 annual deductible per pet for Continuing Care.

If you're interested in higher deductible options, we may be able to help.  Give us a call today toll-free at 855-792-7387 to explore your options.

QHow does the co-payment work?

Once you have paid the deductible, we will pay up to 90% of usual and customary covered costs for each claim up to the incident limit. 

QWhat are “reasonable costs”?

Reasonable costs means the customary fee charged for a given treatment or procedure within the geographic area in which the fee is incurred.  

QCan my claim be paid directly to the veterinarian?

Yes. Simply check the box on the front of the claim form, and we'll send the reimbursement directly to the veterinary clinic.  

QDo you cover ligament and knee conditions such as Anterior Cruciate Ligament (ACL) conditions?

Costs associated with the diagnosis, treatment, or surgery for ligament or knee injuries that occur during the first 12 month policy period after enrollment are not covered. If the condition is bilateral, meaning when one leg is affected, both legs are affected, it will be considered as one incident.

QDo you provide pet insurance for residents of Canada?

We don't offer pet insurance coverage in Canada at this time. However, if you live in the US and travel to Canada, you can take your pet to any licensed veterinarian there for treatment. You would submit your claim the same way as if you saw a veterinarian in the US.  

QCan I cancel my pet insurance at any time?

Yes. You can cancel at anytime by contacting us. We also have a 30-day money back guarantee as long as no claims are covered. Just call us at 1-855-PYB-PETS (792-7387) to cancel within the first 30 days, and we'll refund your money using the payment method you provided.

QWhat's not covered?

Like all pet insurance providers, we have exclusions, which are treatments that are not covered. This helps us keep premiums lower and payouts higher. For example, we do not cover illnesses within the first 30 days of your policy; we also do not cover knee related claims during the first 12 months of your policy.  Please see our exclusions by clicking here

QWhat happens at reissuance?

To make it as easy as possible for you to maintain your coverage without interruption, we automatically reissue your pet insurance plan each year. Keep in mind that your $100 annual deductible and per incident and annual limits reset at reissuance.

 

Continuing care benefits will no longer reissue after lifetime benefits are reached.  If you already have Routine or Advanced Wellness care as part of your Plus or Premier plan, you may elect to discontinue these options at reissuance.  Congenital and hereditary coverage will reduce in benefits if you downgrade from the Premier plan to the Plus plan at reissuance.  Also, if you downgrade from the Plus plan to the Essential plan, you will no longer have coverage for congenital and hereditary conditions within the Essential plan.

QWhat are the age requirements for your pet insurance?

For initial enrollment in our pet insurance, dogs and cats must be at least 8 weeks old. Initial enrollment for the Essential, Plus, and Premier plans is limited to dogs 12 years and under and cats 14 years and under. Our Safety plan has no age limitations. Continuing Care coverage age requirements and restrictions may vary.

QWill my pet insurance be cancelled when my pets get older?

We’ll never cancel your pet insurance because of the age of your pet. However, your premium will adjust as your pet ages.

QWhat if I have more than one pet?

If you have more than one pet, you can save 10% on the base plan premium for each additional pet after the highest premium pet. This does not apply to our Safety Plan. 

QWhat is a pre-existing condition?

Pre-existing conditions are conditions that show symptoms prior to a plan's effective or reissuance date or within a waiting period. This includes conditions that have not yet been clearly diagnosed or treated with medication.

QAre pre-existing conditions covered?

Like all pet insurance providers, we do not cover pre-existing conditions to keep premiums lower. If a pre-existing condition is curable and 180 days have passed since its cure and last treatment, it may become eligible for coverage.

QWhat are ongoing conditions?

Ongoing conditions are conditions that need care across multiple plan periods. Examples can include allergies, asthma, or diabetes that require treatment from one plan period into the next.

QWhat does congenital/hereditary mean?

A congenital condition is one that is considered a birth defect or a defect in growth development. A hereditary condition is one that may have been passed down from an animal's parents or through the breed. Both congenital and hereditary conditions can show symptoms at any time during a pet's life. 

QAre congenital/hereditary conditions covered?

Yes.  Our Plus and Premier plans include coverage for congenital and hereditary conditions.

QWhen does my Continuing Care coverage activate?

Continuing Care covers ongoing conditions, which are conditions that need care across multiple plan periods. This coverage kicks in when your plan is reissued after 12 months. Continuing Care must be in place when the condition first appears.

QDoes Continuing Care have a deductible in addition to my base plan deductible?

Continuing Care reimburses 80% of usual and customary covered costs for these conditions with a $100 annual deductible and other limits separate from your base plan.

QWhat are the age requirements and restrictions for Continuing Care?

For initial enrollment in Continuing Care, dogs and cats must be at least 8 weeks old. Dogs must also be 8 years old or younger, and cats 10 years old or younger. Conditions that are pre-existing to enrollment in Continuing Care are excluded from this coverage.

 

Also, there is no upper age limit for cats or dogs for Continuing Care with the Safety plan.

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All insurance products are offered by The Signal, L.P. The Signal, L.P. is a licensed Insurance agency appointed by American Bankers Insurance Company of Florida and American Security Insurance Company. American Bankers Insurance Company of Florida and American Security Insurance Company are Assurant, Inc. companies licensed to offer insurance products. Protect Your Bubble, the Protect Your Bubble logo, Bubble and Squeak and other Protect Your Bubble trademarks, service marks, graphics and logos used in connection with this website are trademarks of Assurant, Inc. in the United States.