Accident Coverage
Covers veterinary expenses for injuries caused by accidents, such as broken bones, bites, or burns, ensuring your pet gets the immediate care needed without high costs.
WHY PAY MORE?
GET AFFORDABLE PET INSURANCE RATES
Dogs 
Cats 
Puppies
Kittens
Other
HANDPICKED CARRIERS –
LOWER COSTS, HIGHER SATISFACTION
WHAT TYPES OF PETS CAN I INSURE WITH CINCO?
Dogs
Pet insurance for dogs helps cover veterinary expenses, including accidents, illnesses, and routine care, ensuring your furry friend receives the best medical attention when needed.
Cats
Pet insurance for cats offers protection against unexpected medical bills for accidents, illnesses, and surgeries, helping you afford high-quality care for your feline companion.
Puppies
Insuring puppies covers early health checkups, vaccinations, accidents, and illnesses, ensuring they get a healthy start in life while saving you from high vet costs down the road.
Kittens
Kittens benefit from insurance that covers vaccinations, early illnesses, and accidents, giving you peace of mind as they grow and ensuring they’re protected from unexpected vet bills.
WHY IS CINCO THE BEST CHOICE FOR PET INSURANCE?
Competitive Rates
Industry Expertise
With or Without a License
With Good Credit, Bad Credit, or No Credit
Online/ Phone/ In-Person Services
Multiple Convenient Locations Near You
WHAT COVERAGES CAN I GET FOR MY PET?
Illness Coverage
Covers treatment costs for illnesses like infections, cancer, or chronic diseases, helping you manage expensive treatments and ensure your pet’s health is protected.
Wellness Coverage
Helps with routine care, such as vaccinations, checkups, flea prevention, and grooming, ensuring your pet stays healthy and gets the preventive care they need at regular intervals.
Hereditary and Congenital Coverage
Covers conditions passed down genetically, like hip dysplasia or heart disease, providing coverage for genetic disorders that can become expensive to treat.
Emergency Care Coverage
Covers urgent medical care in critical situations, such as injuries, poisoning, or sudden illness, ensuring your pet receives quick and necessary treatment without financial strain.
Surgery Coverage
Covers the cost of surgeries, whether elective or emergency, including spaying, necking, and other necessary procedures, helping to ease the burden of major medical expenses.
Prescription Medications Coverage
Helps cover the cost of medications prescribed by a veterinarian for treating illnesses or conditions, including antibiotics, pain relief, and medications for chronic conditions.
Chronic Conditions Coverage
Covers ongoing treatment for chronic conditions such as diabetes, arthritis, or allergies, ensuring your pet receives long-term care for their health challenges.
Behavioral Therapy Coverage
Covers behavioral training and therapy for issues like anxiety, aggression, or excessive barking, helping your pet improve their behavior with professional guidance.
Dental Coverage
Covers dental treatments, including cleanings, extractions, and oral surgery, helping to maintain your pet's dental health and avoid expensive dental issues in the future.
HOW IT WORKS
EXPLORE
Review our website to ensure your pets' health with CINCO; we offer some of the most affordable pet insurance policies for our clients.
CONNECT
Speak with our agents to learn about the advantages of our services, which are designed to provide affordable pet insurance.
COMPARE
Instead of picking the first insurance plan you saw, you can evaluate quotes from various providers to select the coverage plan that best suits you.
WHAT IS PET INSURANCE?
Pet insurance is a specialized policy designed for pets. Are you a cat or dog mom? Do you have a furry family member you feel like you need to protect against all odds? A pet insurance policy ensures just that! Pet insurance helps pay for your pet’s medical care in case your pet becomes seriously ill. It includes coverage for hospital bills, prescription drugs, diagnostic tests, and other associated expenses.
Pet insurance lets you pay attention to your pet’s recovery instead of stressing over unforeseen veterinary expenses. Whether it’s a regular check-up, an emergency procedure, or continuous treatment for a chronic issue, pet insurance offers reassurance by ensuring your furry friend receives the necessary care without straining your finances. After all, their health and happiness are priceless!
FACTORS THAT IMPACT PET INSURANCE RATES
The price of pet insurance is determined after carefully examining your pet's unique requirements, medical history, and breed-specific risks. Because each pet is unique and may have varying health issues, premiums for this coverage vary significantly. For instance, if you own a young mixed-breed dog, you would pay less for insurance than someone who owns an older purebred dog, which is more likely to have inherited diseases. Here is a list of some other factors that influence your pet insurance rates:
Pet’s Age
Pet’s Breed
Pet’s Health History
Pet’s Size and Weight
Type of Coverage
Location
Deductibles
Annual Coverage Limits
Policy Add-ons
Pet’s Gender
Pre-existing Conditions
Type of Pet (dog, cat, etc.)
Type of Insurance Plan (accident-only, comprehensive)
Veterinary Care Costs in the Area
Owner’s Claims History
WHO IS REQUIRED TO HAVE PET INSURANCE?
Being a responsible pet owner means being prepared for any situation that may arise concerning your pet's health. Emergency care, accidents, or sickness can result in expensive veterinary expenses that can be difficult to pay. To ensure your pet receives the necessary care without additional financial strain, pet insurance covers medical bills, therapies, and preventive care. The following pet owners should consider purchasing this coverage right away:
Pet owners with expensive or high-risk breeds to cover potential health issues.
Pet owners with aging pets to manage increased health risks as pets grow older.
First-time pet parents seeking financial protection against accidents and illnesses.
Those with pets prone to hereditary or congenital conditions that require lifelong care.
Traveling pet owners to cover potential health issues while away from home.
New pet owners to help manage veterinary expenses for unexpected health conditions.
Owners of pets with pre-existing conditions to ensure coverage for ongoing treatments.
Active pet owners (e.g., hunters, hikers) who expose their pets to higher risks.
Owners who want to ensure routine care like vaccinations and wellness checks are covered.
People with multiple pets to cover the health needs of each pet in the household.
WHY IS PET INSURANCE NECESSARY?
HOW DOES PET INSURANCE WORK?
Pet insurance is designed to help manage veterinary care costs, ensuring your pet receives the necessary medical attention without causing financial stress. When you buy a policy, you agree to pay a monthly or annual premium for coverage. Depending on the specific plan you have chosen, pet insurance usually reimburses a portion of the vet bill after you cover the initial expenses and file a claim.
Coverage can include accidents, illnesses, routine check-ups, and preventive care, depending on the type of policy you choose. The process begins with selecting a plan that fits both your pet’s needs and your financial situation. Once enrolled, you can take your pet to any licensed veterinarian for treatment. After the appointment, please submit the detailed veterinary bill to your insurer, along with a completed claim form.
HOW MUCH PET INSURANCE DO I NEED?
The amount of pet insurance you need differs greatly based on your pet's breed, age, and overall health. Starting with a policy that provides at least $5,000 to $10,000 in annual coverage is a good idea. This typically covers most routine and unexpected veterinary expenses, reassuring you without straining your finances. Unlimited annual coverage is an excellent option if you're seeking maximum security.
If you have a pet with higher health risks or a breed that is more susceptible to chronic conditions, consider policies with higher coverage limits. Although uncommon, some veterinary treatments can result in extremely high costs. If your budget permits, unlimited coverage ensures your pet receives the necessary care without financial concerns, regardless of the situation.
WHAT DISCOUNTS CAN I GET ON PET INSURANCE?
If pet insurance premiums are too high, consider exploring discounts to lower your costs. There are multiple ways to secure a discount; for example, pet owners who take preventive measures to lower their pets' health risks, such as staying up to date on necessary vaccinations or signing up for wellness plans, can enjoy reduced rates. These measures keep your pet healthy while minimizing the probability of expensive claims. Here are some other factors that your insurers may consider:
Multi-Pet Discount
Claims-Free Discount
Multi-Policy Discount
Wellness Plan Discount
Annual Payment Discount
Neutered/Spayed Discount
Safety Program Discount
Employer Benefit Discount
Adoption Discount
Loyalty Discount
HOW MUCH DOES PET INSURANCE COST?
Every pet is unique, resulting in varying insurance rates. According to recent data from NAPHIA, the average monthly insurance premium for dogs is approximately $56.30, while for cats, it is $31.94. However, this figure is reserved for accident and illness coverage. If you opt for accident-only coverage, the price is even lower, with $17.01 for dogs and $9.68 for cats. Like any other insurance policy, pet insurance also fluctuates based on certain factors.
For example, if you own a pet breed that is more vulnerable to certain conditions, you will have to pay a higher amount. If you are finding it challenging to navigate the insurance scenario, you can also hire a reputable broker. They are experienced in the field and can help you secure affordable rates.
WHAT ARE THE ESSENTIAL REQUIREMENTS FOR AN ACCURATE PET INSURANCE QUOTE?
When determining your pet insurance premiums, insurers consider factors such as your pet's age, breed, medical history, and any prior illnesses. Providing false or incomplete information during the application process may result in gaps in your coverage or the rejection of your claims. To evaluate your pet's risk factors and estimate future medical expenses, insurers require up-to-date medical records and other relevant information. The following are some essential requirements:
GET A FREE PET INSURANCE QUOTE
Are you looking to protect your furry friend with pet insurance? Our pet insurance solutions cater to all scenarios, from routine check-ups to unexpected emergencies. We have agents who cater to all your specific requirements.
Once you fill out and submit the form on our website, our agents will contact you within a few hours with personalized umbrella insurance quotations.
Our skilled insurance agents will help you find coverage that meets all your pet's needs. Visit our website to apply for your free quote and ensure comprehensive protection for your precious pet.
Once you fill out and submit the form on our website, our agents will contact you within a few hours with personalized umbrella insurance quotations.
Our skilled insurance agents will help you find coverage that meets all your pet's needs. Visit our website to apply for your free quote and ensure comprehensive protection for your precious pet.
Dogs
Cats
Puppies
Kittens
Other
CRUCIAL PET STATISTICS AND INSIGHTS YOU SHOULDN'T MISS
Understanding key pet statistics and insights is vital for every pet owner, as it helps in making informed decisions about pet care, health, and financial planning. These insights not only provide a clearer picture of the pet industry but also highlight trends and factors that impact both pet welfare and costs. Whether you're a pet owner or planning to get one, being aware of these facts can help you better prepare for the responsibilities of pet ownership.
01
Sixty-six percent (66%) of U.S. households own a pet, which translates to approximately 86.9 million households across the country. (American Pet Products Association)
02
As of 2024, 45.5% of U.S. households own a dog, while 32.1% have a cat, showcasing the popularity of both pets among American families. (American Veterinary Medical Association)
03
Approximately 23% of dogs and 31% of cats in the U.S. are adopted from animal shelters or humane societies. (American Society for the Prevention of Cruelty to Animals)
04
Pet owners aged 55 to 64 have the highest average annual expenditure on pets, reflecting their ability to allocate more funds for pet-related expenses compared to other age groups. (Statista)
05
Pet owners aged 55 to 64 have the highest average annual expenditure on pets, including food, healthcare, and other services. (Canine Health Forward)
06
Dog owners consider their pets part of the family and are willing to make sacrifices to cover necessary expenses. In fact, 1 in 3 dog owners admitted to tightening their budgets to afford pet care. (PetExec)
07
The average annual premium for accident and illness coverage for dogs is $676, reflecting the typical cost of providing comprehensive medical protection for pets. (North American Pet Health Insurance Association)
Note: These statistics were accurate at the time of publication and may change over time. Please refer to official sources for the most current data.
FREQUENTLY ASKED QUESTIONS REGARDING PET INSURANCE
Yes, you can obtain pet insurance before surgery; however, most plans will not cover any pre-existing illnesses or surgeries scheduled before the policy's initiation. That is why purchasing your policy early is always recommended, so you avoid any problems later.
Pet insurance is not tax-deductible; however, if you own a pet that is a service animal or if you use them for any commercial activities, you could expect to deduct associated costs. However, it is best to consult with a tax professional to gain a deeper understanding of this.
Yes, nearly all pet insurance policies can be canceled at any time. However, it is crucial to review the terms and conditions of your policy to understand the details. Certain insurance providers will charge specific cancellation fees or refund limitations.
Pet insurance costs vary significantly for different policyholders. The rates may also increase annually. This is because, as your pet ages, there is a greater risk of disease. Other factors, such as vet costs and inflation, also affect your premiums.
As mentioned earlier, the insurance rates increase annually primarily because with each passing year, your pet’s health deteriorates, making them more vulnerable to certain diseases. Increased inflation and veterinary costs also lead to higher costs.
Most pet insurance plans have a waiting period before coverage takes effect. It usually lasts a few days for accident coverage and even longer for specific conditions, such as orthopedic issues. Please contact your insurance provider for additional information.
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