Pet Insurance Riders

A rider is a coverage enhancement that can be added to your plan. Read through the descriptions below to learn more about each rider including what additional coverage they provide and the additional cost. Please see the chart at the bottom of the page to identify which riders may be added or removed from which plans. These riders are multiplied in family plans in order to cover additional pets. If you wish to get a particular rider for just one of your pets you will have to sign them up for their own individual plan.

Breeder's Coverage

Pays up to $500 annually for emergency C-sections, infection, eclampsia, and mastitis as it relates to breeding for the female.

Additional $10 per month per pet

Hereditary/Chronic/Congenital 25%

Payments for Hereditary/Chronic/Congenital treatment up to 25% of the plan's per incident limit.

Additional $20 per month per pet

Hereditary/Chronic/Congenital 100%

Payments for Hereditary/Chronic/Congenital treatment up to 100% of the plan's per incident limit.

Additional $50 per month per pet

Prescription Food

Pays 25% of prescription food costs up to $250 per policy year

Additional $5 per month per pet

Routine Care 100

Covers up to $100 of routine care expenses.

Included with Basic comprehensive coverage.*

Available with Senior coverage.*

Additional $5 per month per pet

Routine Care 125

Covers up to $125 of routine care expenses.

Included with Basic comprehensive coverage.*

Available with Senior coverage.*

Additional $9 per month per pet

Routine Care 220

Covers up to $220 of routine care expenses.

Included with Preferred and Preferred PLUS comprehensive coverage.*

Additional $8.25 per month per pet

Routine Care 250

Covers up to $250 of routine care expenses.

Included with Preferred comprehensive coverage.*

Additional $14 per month per pet

Routine Care 400

Covers up to $400 of routine care expenses.

Included with Preferred PLUS comprehensive coverage.*

Additional $19 per month per pet

Which Riders Can Be Added to Which Plans

Preferred PLUS: Routine 220/400* (included), Breeders, Hereditary 25% or 100%, Prescription Food
Preferred: Routine 220/250* (included), Breeders, Hereditary 25% or 100%, Prescription Food
Basic: Routine 100/125* (included), Breeders, Hereditary 25% or 100%, Prescription Food
Senior: Routine 100/125* (included), Breeders, Hereditary 25% or 100%, Prescription Food
Accident Only: None

Non-routine riders currently not available in Massachusetts. No riders are available with the Accident Only plan.

*Routine rider coverage levels vary by state.  Not all routine coverage levels are available in all states.