Pet insurance
Pet insurance for dogs and cats: sick-visit exams, teeth and behavior
In the U.S., pet insurance usually reimburses vet bills under the policy terms: you pay the clinic first. The plan we place covers exam fees for sick visits, every adult tooth and the gums, behavioral therapy and online vet services, and a quote needs only your pet's age, breed and ZIP code. A licensed producer helps you choose, in Russian or English.
Who it is for
- A new puppy or kitten
- Families with a dog
- Cats at home
- Purebred dogs and cats
- Moved to the US with a pet
- Brooklyn and New York
- New Jersey and Florida
- Want a vet online
What the plan covers
- Exam fees for sick visits: what the vet charges to examine your dog or cat when it is ill
- Dental: every adult tooth and the gums
- Breed-specific issues: health problems typical for your pet's breed
- Behavioral therapy for behavior problems
- Alternative and holistic care
- Online vet (televet) services
How it works
- 1
Tell us about your pet
Dog or cat, age, breed and your ZIP code. That is all a quote needs: no vet records at this stage.
- 2
Get the price and the terms
At the quote stage there are no declines and no underwriting referrals. A licensed producer explains what the plan covers and what it does not, in Russian or English.
- 3
Policy and payment
The insurance company issues the policy through an instant issue process, and you pay the company. When your pet needs the vet, you usually pay the clinic and get reimbursed under the policy terms.
The plan in brief
| Where the plan is available | All 50 states and Washington, D.C. |
|---|---|
| Who places it | Licensed producer Dmitry Borovoy, for residents of the states where he holds a producer license (22 today) |
| What a quote needs | Your pet's age and breed, and your ZIP code |
| Quote stage | No declines and no underwriting referrals |
| Policy issue | Instant issue process |
| Included in the plan | Exam fees for sick visits, every adult tooth and the gums, alternative and holistic care, breed-specific issues, behavioral therapy, online vet (televet) |
| How you get the money back | Usually as reimbursement: you pay the clinic, and the insurance company pays you back under the policy terms |
| Pre-existing conditions | Usually not covered |
Source: the insurance company's description of this plan for licensed producers, read on October 30, 2026. The rows on reimbursement and on pre-existing conditions describe how U.S. pet insurance usually works; your policy sets the exact coverage, limits and exclusions.
Frequently asked questions
What does pet insurance pay for?
It helps with vet bills under the policy terms. The plan we place includes exam fees for sick visits, every adult tooth and the gums, alternative and holistic care, breed-specific issues, behavioral therapy and online vet (televet) services. The exact coverage, limits and exclusions are in the policy.
How do I get money back after a vet visit?
In the U.S., pet insurance usually works by reimbursement: you pay the clinic yourself, and the insurance company pays you back under the policy terms. Keep the clinic's bills and the records of each visit.
My pet already has a health problem. Will the plan cover it?
Usually not: conditions that existed before the policy started are generally not covered. The exact wording is in the policy, so tell the producer about any problems you already know of before you buy.
What do you need from me for a quote?
For the quote itself, only your pet's age and breed and your ZIP code; the form also asks for your name and phone so the producer can reach you. At the quote stage there are no declines and no underwriting referrals, so you see the price before you decide.
Does the plan cover teeth?
Yes, dental care is part of the plan: every adult tooth and the gums. The exact dental terms are in the policy.
My dog's breed is prone to certain health problems. Is that covered?
Breed-specific issues are included in the plan, under the policy terms. A problem that started before the policy is usually not covered, even if it is typical for the breed, so it is better to get the policy before such a problem appears.
Does it cover behavior problems and online vet visits?
Yes: behavioral therapy and online vet (televet) services are part of the plan, and so is alternative and holistic care. How much the plan pays for them is set by the policy.
In which states is it available, and who places it?
The plan is available in all 50 states and Washington, D.C. The policy is issued by an insurance company and placed by Dmitry Borovoy, a licensed property and casualty insurance producer, for residents of the states where he holds a producer license (22 today). Service in Russian and English.
Thinking about insurance for your dog or cat?
Send your pet's age, breed and ZIP code, and a licensed producer will get back to you about the plan. The producer is licensed in 22 states, including New York, New Jersey and Florida, and works in Russian and English.
The pet insurance policy is issued by the insurance company: its terms, exclusions and price follow that company's rules, and you pay the premium to the company. The policy is placed by licensed property and casualty producer Dmitry Borovoy (NPN 22313558), who earns a commission on it. About the license