Better virtual vet care meets real emergency insurance

Pet insurance reimburses you for eligible costs on your veterinary bills, depending on the type of insurance that you have and your policy details. Like most types of insurance, there’s typically a deductible, which is an amount you must pay yourself before you can start getting reimbursed. There are generally three types of pet insurance: illnesses + accident plans, wellness plans, and accident-only plans. The insurance in the Dutch Protector plan is accident-only coverage.

Pet insurance helps you afford the best course of treatment, protects against major financial setbacks, and can give you peace of mind as a pet parent. Having a pet insurance plan can help you to focus on getting the best care for your pet without worrying about the financial burden.

The insurance available through our Protector plan is an accident-only plan with coverage up to $10,000/year. This means the insurance covers in-person vet costs for your pet due to accidents (such as a car accident, eating something toxic, breaking a bone, or an animal bite), but not regular illnesses or preventive care. You can use this coverage for multiple accidents affecting the covered pet within a year of the policy starting until you reach the $10,000 limit.

When an accident happens, you can go to any vet in the U.S. — no need to talk to one of our vets or Pets Best (our insurance partner) first. You pay the vet, then submit your claim through the Pets Best app or website. They’ll process the claim, then reimburse you for eligible costs after you meet the $250 annual deductible and 10% coinsurance. Can’t pay the vet bill upfront? You can use the Vet Direct Pay option to have the vet get paid directly by Pets Best.

For full details on how the plan works and what’s covered, see the sample policy.

Dutch’s emergency insurance is provided through our partner Pets Best, one of the top pet insurance providers in the country.

When an accident happens, you can go to any vet in the U.S. — no need to talk to one of our vets or Pets Best (our insurance partner) first. You pay the vet, then submit your claim through the Pets Best app or website. You don’t need to submit any medical records unless they ask for them. They’ll process the claim, then reimburse you for eligible costs after you meet the $250 deductible and 10% coinsurance.

Can’t pay the vet bill upfront? If your vet is willing to extend credit, you can use the Vet Direct Pay option to have the vet get paid directly by Pets Best so you don’t have to worry about paying an expensive vet bill.

Your accident-only insurance coverage automatically becomes active on the first of the month after you sign up for the Protector plan.