PetCoverToday publishes general information about pet insurance in the United States. Nothing on this site should be treated as professional advice for your specific pet, policy, or financial situation.
Disclaimer
PetCoverToday.com (the “Site”) is an independent, advertising-supported publication covering pet insurance in the United States: how it works, what it typically costs, and how coverage varies by provider, breed, and condition.
This Disclaimer explains what the Site is, and just as importantly, what it is not. By using the Site, you accept the terms below.
General Information Only
Everything published on PetCoverToday, including breed guides, condition guides, cost estimates, and the interactive tools on the Site, is provided for general informational purposes. It is not personalized guidance for your pet, your household, or your financial circumstances.
Two owners of the same breed can face very different costs and coverage outcomes depending on their pet’s age, location, medical history, and the specific policy they choose.
Not Veterinary Advice
Nothing on this Site is veterinary advice. Content describing symptoms, conditions, breed-specific health risks, or treatment costs is drawn from published veterinary literature and provider data, not from an examination of your pet.
If you are concerned about your pet’s health, or if your pet shows any signs of illness or injury, contact a licensed veterinarian directly rather than relying on anything published here.
Not Insurance, Financial, or Legal Advice
PetCoverToday is not a licensed insurance agency, broker, or producer in any U.S. state, and nothing on the Site is insurance advice. We do not sell policies, quote premiums on an insurer’s behalf, or have the authority to bind, adjust, or administer coverage.
Content describing deductibles, reimbursement rates, waiting periods, exclusions, or annual limits reflects our research into each provider’s publicly stated policy terms at the time of writing, and those terms can change.
Always confirm current policy details directly with the insurance provider, and consider speaking with a licensed insurance professional or financial advisor before purchasing a policy.
Accuracy and Currency of Information
We research every article using primary sources, including insurers’ own policy documents and official websites, veterinary journals, and professional organizations such as the American Veterinary Medical Association (AVMA) and the American Animal Hospital Association (AAHA).
Even so, premiums, underwriting rules, waiting periods, and coverage exclusions vary by state and change over time as providers update their products. Cost figures on this Site are typically presented as ranges based on published data and real policy examples, not as a quote for any individual pet.
We make reasonable efforts to keep articles current and note an “Updated” date on each page, but we cannot guarantee that every detail reflects a provider’s current offering at the moment you read it.
Mentions of Specific Insurance Providers
Articles on this Site name real pet insurance companies, including providers such as Trupanion, Healthy Paws, Pets Best, Embrace, and Fetch, because they are active participants in the U.S. pet insurance market and relevant to the topic being discussed.
PetCoverToday does not currently have a paid partnership, affiliate agreement, or referral arrangement with any insurance provider named on this Site. Providers are mentioned and linked to their official websites because the information is factually relevant, not because of any payment, sponsorship, or commission. If this changes in the future, we will disclose it clearly on the affected pages.
External Links
This Site links to insurers’ official websites and to third-party sources used in our research. We do not control, and are not responsible for, the content, accuracy, availability, or privacy practices of those external sites.
A link to an external site is not an endorsement of everything published there, and you should review any third-party site’s own terms and privacy policy before using it.
No Guarantee of Savings or Outcomes
Any example of a premium, payout, or savings figure on this Site is illustrative, drawn from published rate data or representative policy examples. It is not a quote, and it is not a promise of what you will pay or what a claim will reimburse.
How a specific provider handles your situation, and what you end up paying, depends on your pet, your location, the policy you select, and the insurer’s own underwriting and claims decisions.
Limitation of Liability
To the fullest extent permitted by law, PetCoverToday and its writers and editors are not liable for any loss or damage arising from decisions made in reliance on content published on this Site, including decisions about purchasing, declining, or canceling a pet insurance policy.
Use of this Site, and any decisions you make as a result, are at your own discretion and risk.
Changes to This Disclaimer
We may update this Disclaimer from time to time to reflect changes in how the Site operates or to clarify existing language. The “Last updated” date at the top of this page reflects the most recent revision. We encourage you to review this page periodically.
Questions about this Disclaimer can be sent through our Contact page. For how we handle personal data, see our Privacy Policy and Cookie Policy.
For how our content is researched and written, see our Editorial Policy. For the legal terms of using this Site, see our Terms of Service.