PET INSURANCE
Your dogs and cats are family. Protect them with pet insurance.
Protector. Roomie. Fellow Traveler. Best friend. Pets are more than just companions, and when unexpected vet bills pop up, the cost of care can be overwhelming. That’s where pet insurance for dogs and cats comes in.
NOTE: The button above will take you to the Marshall+Sterling dedicated portal through our trusted cat and dog insurance partner, Prudent Pet, where you can customize your quote. The portal offers annual limits of $2,500 or $10,000. Other limits are available – just call us at (888) 687-8555.
Comprehensive & affordable pet insurance, designed for you and your fur family.
From accidents and illnesses to routine wellness visits, insurance for your dogs and cats helps you manage the cost of care—so you can focus on what matters: their health and happiness.
- Accident and illness plans cover every medical condition, as long as not pre-existing
- Prescription medications covered
- No restrictions on age, breed, hereditary, or congenital conditions
- Get an Instant Pet Insurance Quote and customize your coverage limit, deductible, and reimbursement
- Use any licensed vet in the U.S. or Canada
- Monthly payment plans available
- Fast, flexible coverage: Just a 5-day waiting period for accidents, 14 days for illnesses, and 180 days for knee and ligament issues—waivable with a vet exam
- Easy access, anytime: Use the Client Portal to get a quote, pay your premium, or file a claim 24/7. Need help? Our Marshall + Sterling team is just a call or click away
- Speedy claim turnaround: 75% of claims are processed within 24 hours—95% within one week—so you can get reimbursed fast and get back to caring for your pet
- FREE 24/7 Live Vet Chat – Unlimited access for all policy holders through their portal available on Day 1
- 4.8/5 star rating and over 1,400 reviews – #1 ranked pet insurance on TrustPilot.
- 30-Day Free-Look Period – Money Back Guarantee
Peace of mind is priceless. Unfortunately vet bills are not.
Our pets mean the world to us — that’s why preparing for the unexpected matters. We all hope we’ll never make a frantic 2 a.m. visit to the emergency vet, or that how to cover the cost of a whopping vet bill will be a factor when deciding on treatment. Comprehensive pet insurance allows you to focus on getting your pet on the road to recovery
Here’s what common procedures can cost out-of-pocket:
- Cancer treatment: $5,000–$10,000+
- Foreign object removal/intestinal obstruction (emergency): $1,500–$8,000
- Gastric Dilation-Volvulus surgery (for bloat): $1,500-$7,500
- Cruciate ligament surgery (TPLO): $4,000–$6,000
- Toxin ingestion: $1,000-$6,000
- Pancreatitis/gastro-intestinal distress hospitalization (1-2 days): $2,000-$5,000
- Cataract surgery: $2,000-$3,500
- Urinary blockage treatment: $3,000+
- Diabetes management: $1,000+/year
- Dental extractions: $800–$1,500
- Allergy care and testing: $1,200
What will pet insurance for my dog or cat cover?
Choose protection that shows up when you need it.
Most pet insurance looks similar on the surface. But coverage limits, exclusions, and delays can leave you with coverage that doesn’t respond when it matters most.
You can choose the type of insurance for your dog or cat, the policy limit, deductible, and reimbursement amounts. We help you customize your plan based on what really counts: you and your pet’s needs.
Coverage Types
Accident Only – The lowest premium option, for covered veterinary expenses related to accidents or injuries, such as bite wounds, broken bones, or swallowed objects.
Essential – This is Accident Only + coverage for illnesses, such as allergic reactions, cancer, diabetes, digestive issues, eye/ear/skin conditions, hereditary or congenital conditions, and hip dysplasia. This plan covers every medical condition, other than pre-existing conditions.
Both the Accident Only and Essential plans include coverage for diagnostics (including radiology) and surgery.
Annual benefit limits range from $2,500 – $15,000 or higher. If you use the online portal, only the $2,500 and $10,000 limits are visible. Just call our office at (888) 687-8555, and we can update a quote with different limits.
Deductibles are annual, and options range from $100 – $1,000 or higher.
Reimbursement options from 50 – 90% are available.
Optional Coverages – You can also add coverage for vet exam fees or wellness plans.
How do I get insurance for my cat or dog started?
Get a Quote
You are welcome to use the Marshall+Sterling designated client portal, provided by our trusted partner Prudent Pet, or you can give our office a call at (888) 687-8555. NOTE: The portal only includes coverage limits of $2,500 and $10,000, but other limits including $5,000, $7,500 and $15,000 are available as well – just give us a call to go over those.
Once you have chosen your cat or dog insurance plan, you can make payment by debit, credit, or ACH in the portal, or to our office. Payment can be made in full, or in monthly installments. Prudent Pet will manage all communication regarding payment, including invoices, so if you choose the monthly plan, please make sure to your email account doesn’t block their emails in a spam or other filter.
Get Your Policy
Prudent Pet will email the policy documents to you directly.
The client portal is available 24/7 to manage everything from a quote and premium payment to claims filing, but we’re happy to help with anything you need during business hours from our office 8:30 a.m. – 4:30 p.m. EST at (888) 687-8555.
Pet Insurance FAQs
What types of pet insurance are there?
Accident Only is the lowest premium option, for covered veterinary expenses related to accidents or injuries, such as bite wounds, broken bones, or swallowed objects.
The Essential planis Accident Only + coverage for illnesses, such as allergic reactions, cancer, diabetes, digestive issues, eye/ear/skin conditions, hereditary or congenital conditions, and hip dysplasia. The Essential plan covers every medical condition, other than pre-existing conditions.
Do the policies cover congenital or hereditary conditions? Yes
Is there an age limit? No, there is no age limit.
Are certain breeds excluded? No, there are no breed restrictions.
Is there a waiting period? Yes. The waiting period for accidents is five days. For illness it is 14 days. And for knee and ligament issues the waiting period is 180 days, but that waiting period can be waived with a veterinary exam.
Do the plans cover for diagnostics? Yes.
Are prescriptions medications covered? Yes.
Can I use any licensed vet? Yes.
Can I get coverage started today? Yes, you can! Go to the Marshall+Sterling dedicated portal through our trusted partner Prudent Pet, and just answer a few questions about your pet, choose your plan, and make a payment. It should take less than five minutes. And if you have any questions, just call us at (888) 687-8555.
What are the payment options? You can make payment in full, or pay monthly. You can pay by debit, credit, or ACH.
How are claims handled? You pay your veterinarian directly, and then submit the itemized receipt through the online portal. 75% of claims are processed within 24 hours—95% within one week.
We also can help with your equine insurance needs.
Marshall+Sterling also insures horses, from backyard to Olympic-bound. Learn more about our equine coverage.
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