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Petco Insurance
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Petco Insurance

Petco Pet Insurance provides excellent accident and illness coverage backed by one of America’s most trusted pet brands. Plans are 100% customizable so you can choose the perfect coverage for your monthly budget.

Petco Reviews

With more than 50 years of service to pet parents, Petco focuses on delivering health and happy experiences for pets and the people who love them. Petco has evolved over the years into new businesses including online pet pharmacy, televet and insurance plans.

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Petco Insurance offers accident and illness coverage to help protect your pet against unexpected vet bills.

Coverage Notes

Petco Insurance offers coverage to pets in all 50 states and the District of Columbia.


Coverage Highlights

Pet owners can customize their Petco Insurance plan by choosing coverage options, annual limits, deductibles and coinsurance that meets their needs.

Coverage Details

Accident and Illness Coverage

Accident and illness plans account for 98% of all pet insurance coverage purchased in the U.S. Just as the name suggests these plans cover veterinary expenses related to to both accidents and illnesses. For example, if a dog injures her leg then that would be covered. And if a dog suffered from a serious illness like cancer or a hereditary disorder like hip dysplasia, those expenses would be covered as well.

Below is a list of coverage details for Petco’s Accident & Illness plan:

$100 - $500
70% - 90%
Annual Limit:
$5k - Unlimited
Waiting Period - Accidents:
14 days
Waiting Period - Illnesses:
14 days
Waiting Period - Orthopedic:
14 days
Coverage Exclusions:
Listed Below

Enrollment Requirements

There are no enrollment requirements. However, when you submit a claim, you authorize us and our administrator to access all medical information that we need to assess your pet’s health. For example, we may ask you for the name and contact information of any veterinarian that has ever seen or treated your pet. You must also provide proof of identity for your pet when we request it.


Petco Insurance is competitive with regard to pricing but slightly more expensive than some other providers in the market. From a value standpoint (price vs. quality) it's near the top of the heap. There is a $2/mo. transaction fee if you opt for monthly, quarterly or semi-annual payments. There is no transaction fee if you select annual payment. Pet insurance prices vary based on coverage, breed, pet age and zip code. Prices based on $250 deductible, 90% reimbursement and $10,000 annual limit for a 2 year-old mixed breed dog and 3 year-old mixed breed cat, respectively.

Costs based on insurance coverage of $10k annual limit, $250 deductible and 90% reimbursement.

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Sample Premiums


Average for Dogs:
$46 per month


Average for Cats:
$32 per month

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About Petco Insurance

Petco Insurance is a comprehensive care program for pets and the parents who love them and includes both accident and illness coverage.


Policy Options:

Company Profile

With more than 50 years of service to pet parents, Petco is a leading pet specialty retailer that obsesses about delivering healthy and happy experiences for pets and the people who love them. We do this by providing the products, services, advice and experiences that keep pets physically fit, mentally alert, socially engaged and emotionally happy.

Everything Petco does is guided by the vision of:

Healthier Pets. Happier People. Better World.

The Petco Foundation, an independent nonprofit organization, has invested more than $250 million since it was created in 1999 to help promote and improve the welfare of companion animals. In conjunction with the Foundation, we work with and support thousands of local animal welfare groups across the country and, through in-store adoption events, help find homes for more than 400,000 animals every year.


Petco Animal Supplies, Inc. ® is not an insurer and is not engaged in the business of insurance. Through a licensing agreement, Petco receives a royalty fee from PetCoach, LLC for the use of its trademarks. PetCoach, LLC, a wholly owned subsidiary of Petco Animal Supplies, Inc., is a licensed insurance producer, not an insurer.

Petco Pet Insurance plans are underwritten by United States Fire Insurance Company. Insurance plans are marketed and offered by PetCoach, LLC.

PetCoach, LLC is a licensed insurance producer, not an insurer, and a wholly owned subsidiary of Petco Animal Supplies, Inc.®. and Petco Insurance are used as the brands. In California, PetCoach, LLC does business as PetCoach Insurance Solutions Agency (CA License No. OM10414).

San Diego, California
Year Founded:
Number of Locations:
Number of Employees:

Policy Exclusions

We will not pay for costs associated with or resulting from the following:

a. Aesthetic, cosmetic, endodontic, or orthodontic dental services such as caps, crowns or crown amputation, fillings, implants and root canals or planing.

b. Anal sac (gland) expression and/or resection when no infection or disease is present.

c. Boarding.

d. Breeding, pregnancy, whelping or nursing.

e. Conditions that occur during a waiting period.

f. Cosmetic and elective prostheses or procedures (including but not limited to claw removal, ear cropping and tail docking).

g. Dental cleanings unless used to treat a covered illness or covered by an applicable endorsement.

h. Experimental or investigational treatment or medication (including clinical trials) that is not generally accepted in the veterinary medical community as effective or proven.

i. Funeral services, memorial items, urns, caskets, or burial plots/fees.

j. Grooming or grooming supplies (including but not limited to non-prescription baths, ear cleanings, non-prescription shampoos and nail trims).

k. Herbs.

l. House call fees, time and travel expenses to and from the veterinarian’s premises or hospital.

m. Illness or injury that results from intentional, malicious, or grossly negligent activities or from failure to perform actions commonly accepted as responsible pet care by you, a member of your household or a caregiver for your pet.

n. Ligament and knee conditions, if any ligament and knee condition occurred prior to the first effective date of the applicable coverage or during a waiting period.

o. Non-medical supplies such as but not limited to toys, leashes, ramps, bedding or other devices intended to prevent injury or illness, but that do not treat a condition.

p. Non-veterinary services (including but not limited to administrative fees, medical records expenses, medical waste, discount package or membership fees, postage and tax).

q. Organ or heart valve transplants.

r. Pre-existing conditions that occurred on or before the first effective date of the applicable coverage or during a waiting period.

s. Prescription food, pet food, commercial diets or treats used for prevention or general health maintenance (including weight loss) even if prescribed, dispensed, or recommended by a veterinarian; including foods such as life stages (puppy, senior, etc.), low calorie, sensitive stomach, or limited ingredients.

t. Preventive care without an occurrence (including but not limited to general health maintenance diagnostics, laboratory procedures, medications, physical examinations and surgery) unless covered by an applicable endorsement.

u. Supplements and vitamins used for prevention or general health maintenance (including weight loss) even if prescribed or dispensed by a veterinarian.

v. Training or training devices.

w. Treatment when the veterinarian conducting or supervising is you or a co-owner on your account.

x. Treatment arising from avian influenza; intentional slaughter by, or under, the order of any government or public or local authority; epidemics or pandemics as declared by the U.S. Department of Agriculture; nuclear reaction, radiation, radioactive contamination or the discharge of a nuclear device, whether controlled or uncontrolled, accidentally or otherwise; chemical, biological, bio-chemical or electromagnetic weapon, device, agent or material whether controlled or uncontrolled, accidentally or otherwise; war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped, strikes, riots, or civil commotion and terrorism.

y. Veterinary expenses related to coursing, organized fighting, law enforcement or guarding, personal protection or racing.

Compare Petco

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Petco Insurance is underwritten by Crum & Forster, which is also the underwriter of record for several pet insurance brands.

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