Know When Your Pet Is Covered Before You Sign
A Fort Collins agent who comes to you. We compare plans from several pet insurers and explain the waiting periods up front.
When Is My Pet Covered?
Pick your pet and a start date. The timeline shows when a typical plan starts to pay for what, and which past problems are likely left out.
Your Sample Timeline
Likely left out as pre-existing
Sample waiting periods for this demo. Real waiting periods, exclusions, prices and approval depend on the insurer, the plan and your pet's history. Pre-existing conditions are usually excluded. We compare several pet insurers and read their rules with you.
What Claims Look Like Around Here
Swipe through, and tap a photo to see it bigger.
We Come to Your Kitchen Table
No office visit, no call center. Jess meets you at home or on a video call, with your pet in the room.
- Several insurers, side by sideSame deductible and payback level on each, so the prices are fair to compare.
- The fine print, out loudWe read the waiting periods, exclusions and yearly limits before you choose.
- Help when a claim stallsSend us the vet invoice and we follow up with the insurer for you.
Sign Up Before the Next Hike
Coverage never starts the same day. If your dog lives on the Poudre trail, start the clock now.
What Pet Owners Say
Jess told us straight that the allergies would be left out. We still signed up, and it paid when Juno ate a sock.
Carmen D. Loveland
She sat on our floor with the puppy and explained the knee waiting period. Glad we started early.
Ben W. Windsor
Our cat is twelve. Jess found two insurers that would take her and showed us both prices.
Lorraine H. Fort Collins
Sample reviews written for this demo. Your site shows your real Google reviews, word for word.
We visit Fort Collins, Loveland, Windsor, Timnath, Wellington, Laporte, Berthoud, Greeley and Estes Park, and anywhere in Colorado by video call.
Honest Answers About Pet Plans
Will pet insurance cover something my dog already has?
Usually not. Pre-existing conditions, meaning anything a vet noted or your pet showed signs of before coverage started, are usually excluded. Some insurers will cover a curable problem again after a stretch with no symptoms. We read each insurer's rules with you.
What is a waiting period?
It is the time between signing up and when the plan starts to pay. Accidents often start within a few days. Illness often waits about two weeks. Knee and hip problems in dogs can wait six months with some insurers. The exact days change from insurer to insurer.
Is my dog too old for pet insurance?
Many insurers take older pets, but the price goes up with age and a few have an age limit for new sign ups. The sooner you enroll, the fewer past problems can be left out.
Do you really come to my house?
Yes. We meet at your kitchen table anywhere from Loveland to Wellington, or on a video call if that is easier. Bring the vet records if you have them, and your pet is welcome to join.
How is this different from buying online?
The plans are the same. The difference is a person who compares several pet insurers for you, reads the exclusions out loud, and helps when a claim gets stuck. Price and approval depend on the insurer and your pet's history.
Book a Kitchen Table Visit
Leave a first name and a phone number. Jess calls within one business day to find a time. There is no charge to talk.