Pet Insurance

You may notice that Pet Insurance is no longer available on the main Protect Your Bubble website, but don’t worry! This won’t affect our current pet customers, or their coverage.

What this means for you:

  • Your coverage will continue as normal
  • You can still file claims and get reimbursements
  • You’ll still have access to customer service
  • You can still add additional pets to your policy by calling 1-855-PYB-PETS (792-7387)


We hope that you’ll continue to come to Protect You rBubble if you need other types of coverage, like for your smartphone, tablet, electronics, appliances, rental car or travel plans.



We’ve included a list of common questions below that are still up-to-date for our current Pet Insurance customers, and you can always call 1-855-PYB-PETS (792-7387) if you need assistance.


Q. How do I file a claim?

A. 1. Pay a licensed veterinarian directly for all charges due at the time of service.

2. Call 1-855-PYB-PETS (792-7387) for a one-page claim form and complete it.

3. Submit your completed claim form along with all supporting documentation, including itemized receipts, to any of the following (we do not require your vet to sign or fill out any part of the form):


Remember, the faster you submit your claim – and the more complete your claim form and related documentation is on first submission – the faster you’ll get paid. You’ll get a reimbursement check for all approved charges within 15 days of receipt of required information. The entire claims process is that simple.


Q. When should I submit my claim?

A. You have 180 days after your pet is treated a licensed veterinarian to submit a claim.


Q. How long will it take to get reimbursed?

A. 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.


Q.Can my claim be paid directly to the veterinarian?

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


Q. How does the deductible work?

A. 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 injury or illness, which can really add up. Please note there is a separate $100 annual deductible per pet for Continuing Care.


Q. How does the co-payment work?

A. 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.


Q. Do you cover ligament and knee conditions such as anterior cruciate ligament (ACL) conditions?

A. 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 that both legs are affected, it will be considered as one incident.


Q. What's not covered?

A. 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.


Q. Will my insurance be cancelled when my pets get older?

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


Q. What is a “pre-existing condition”?

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


Q. What are “reasonable costs”?

A. Reasonable costs are the customary fees charged for a given treatment or procedure. We determine the reasonable cost of your pet’s procedure by comparing it to what other owners within your geographic area have paid for the same treatment.


Q. What are "usual and customary charges"?

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


Q. Can I cancel my pet insurance at any time?

A. 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.

Plans are underwritten by the United States Fire Insurance Company and administered by Petsmarketing Agency, Inc.