How Emergency Pet Insurance Works
Caring for a sick dog or cat can take a serious emotional and financial toll on your family. With Zoomies, we want to help lessen the burden of an unexpected accident or critical health issue with affordable pet emergency insurance so you can focus on your pet’s health and recovery.
Emergencies Are Unpredictable, But Your Pet Insurance Shouldn’t Be
When the unexpected happens, you want peace of mind knowing you can get your pet the best veterinary care without jumping through hoops. That’s why we made our emergency vet insurance simple and intuitive to use. Plus, with quick payouts and trusted customer support from certified pet pros, we’re the perfect companion for your pet.
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Use for an Emergency Care Visit
When your pet needs emergency care, visit a licensed veterinarian, animal hospital, or pet clinic. Pay the bill during your visit and get a receipt.
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Submit a Claim Online
No complicated paperwork. Simply submit your claim online in just a few clicks.
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Get Money Back, Fast
We leverage the power of AI for lightning-fast claims payouts. This means you get paid quickly for covered emergency vet expenses by direct deposit or check.
Here’s How Your Reimbursement is Calculated
Getting financial relief from unexpected vet bills shouldn’t be a hassle. With Zoomies, we make filing a claim easy through our customer portal, with reimbursements delivered straight to your bank account.
$500 Daily Deductible
The amount you pay after your veterinary visit before getting reimbursed. With Zoomies, you pay the first $500 of covered expenses on the days your pet needs care.
Reimbursement Percentage
This is the percentage of covered costs you’ll get back following your trip to the vet. Zoomies will reimburse you 90% of all remaining costs for that day.
Annual Reimbursement Limit
The maximum amount you can get reimbursed over a 12-month policy period. With Zoomies, you’re covered for up to $10,000 in total reimbursements per year.
Zoomies Frequently Asked Questions
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Zoomies offers emergency pet coverage for dogs and cats as young as six weeks up to 15 years old.
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Yes, exam fee coverage is available for all accidents and illnesses and is included in your reimbursement.
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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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The quickest way to file a pet insurance claim is via the Zoomies customer portal. You can also email, fax, or mail us a paid veterinary invoice. Please include all pages of the invoice in addition to the following information:
- Total dollar amount for your pet’s visit including discounts, taxes, fees, and items for other pets, even if you are not claiming for those expenses.
- Zip code of the vet practice stated on the invoice
- Invoice date and duration
- Diagnosis or reason for the vet visit
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You have up to 60 days after your policy end date to file a claim. To be eligible for reimbursement, your veterinary invoice must be dated within your policy term. Please be sure to include both your paid vet bill and pet’s medical record when submitting a claim.
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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.