What Does Zoomies Pet Emergency Insurance Cover?
Not all pet insurance is the same. With Zoomies, we stand out from other coverage options by offering a simple and affordable emergency pet insurance plan featuring a $500 daily deductible that gives you peace of mind when unexpected veterinary expenses arise.
Accident & Critical Illness Coverage
It’s difficult to predict the extra expenses an accident or serious illness involving your furry companion may bring, but you can plan for the unexpected before it happens and avoid financial trouble.
That’s why Zoomies is here — providing pet parents with catastrophic coverage for unpredictable vet emergencies that can quickly derail a budget. By focusing on the big-ticket items, such as surgery and hospitalization, we can keep our premiums affordable while offering meaningful financial support when you need it most.
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Accidents
From broken bones to toxic ingestions, we’ve got dogs and cats covered for all sorts of unexpected mishaps. -
Critical Illnesses
Whether it’s a stomach issue or serious diagnosis such as cancer, Zoomies offers financial relief for testing and procedure costs. -
Hereditary & Congenital Conditions
Hip dysplasia, cherry eye, and other inherited conditions that don’t show up until later in your pet’s life. -
Dental Illness
Periodontal disease, tooth extractions, and other dental health issues. -
Complementary Therapies
We cover the less traditional treatments your vet recommends, including acupuncture, hydrotherapy, and chiropractic care. -
Prescriptions
Medications, therapeutic diets, and supplements your pet needs to feel their best.
Pet Insurance That Covers the Things Your Pet Might Get Into
If the unexpected happens, know you can choose the best care for your pet with financial peace of mind.
Emergency Care
Pets are covered at any emergency vet clinic or animal hospital.
Hospitalization and Surgery
Scheduled or emergency surgery is covered, including hospital stays.
Specialist Care
Treatments from vet specialists such as oncologists, internal medicine experts, behavioralists, and others.
Diagnostic Testing
We cover diagnostic testing for any covered illness or condition, including X-rays, MRI scans, and biopsies.
Our Emergency Pet Insurance Handles
Pre-Existing Conditions Differently
While some pet insurance plans will not cover pre-existing conditions, Zoomies handles them differently to get you the most coverage. A pre-existing condition is any accident, illness, or irregularity you or your vet noted before your pet’s waiting period is over, even if your pet never went to see the vet for it.
Curable and Incurable Conditions
Some conditions are curable, and we want to cover them. For example, your pup had an upset tummy with vomiting three months before enrollment. If it’s symptom — and treatment-free for a year, that condition could be eligible for coverage in the future.
What’s Not Covered by Zoomies?
While pet insurance can’t cover everything, we keep exclusions to a minimum.
- Deliberate injury by you or anyone in your household
- Cosmetic procedures such as tail docking, ear cropping, and dew claw removal unless medically necessary
- Routine vet care, such as wellness checkup exam fees
- Injury or illness from fighting, racing, cruelty, or neglect
- Breeding, whelping, or pregnancy DNA testing or cloning
- Avian flu or nuclear war
Deliberate injury by you or anyone in your household
Zoomies Frequently Asked Questions
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No, your dog or cat does not need to be spayed or neutered for Zoomies to cover them.
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As fellow pet parents, we understand this can be one of the hardest parts of having a pet, and we’re here to support you. Zoomies pet emergency insurance can cover the costs of euthanasia when it’s medically necessary for a covered condition. Expenses for aftercare, such as cremation or burial, are not eligible for coverage.
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A pre-existing condition is any condition, injury, illness, or irregularity noticed by you or your veterinarian before your policy’s effective date is not eligible for reimbursement. While most pet insurance plans will not cover pre-existing conditions, Zoomies may offer coverage for some curable conditions; if your pet is symptom and treatment-free for a year, the condition could be eligible for coverage in the future.
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Yes, you can take your dog or cat to any licensed veterinarian, animal hospital, or emergency veterinary clinic in the U.S.
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Every pet insurance plan includes exclusions, and Zoomies pet emergency coverage is no exception. The following conditions are not covered by Zoomies:
- Pre-existing conditions
- Preventative care
- Breeding, whelping, and pregnancy
- Injury caused deliberately by you or any other person or pet residing in your home
- Injury or illness resulting from fighting, racing, cruelty, or neglect
- Cosmetic procedures such as tail docking, ear cropping, and dew claw removal unless medically necessary
- DNA testing or cloning
- Stem cell therapy not deemed medically necessary
- Avian flu or nuclear war
For a complete list of exclusions, see our terms and conditions.