Pet insurance. They can’t get it themselves.


Pet Insurance. They can’t get it themselves.

Hand your phone to your pet and that’s the last time you use that phone. You’re smarter than that, though. Smart enough to know your best friend needs protecting through Waffle.
Get Covered Now

Powered by the perfect partner


Accident coverage is for injuries and emergencies like torn ligaments, bite wounds, cuts, broken bones, swallowed objects, and toxic ingestions. It also includes all sorts of services related to accidents, such as X-rays, MRI, ultrasounds, bloodwork, sutures, medications, hospitalization, and surgery.


With Illness coverage, you can get reimbursed for the costs of major and minor illnesses, such as cancer, arthritis, hypothyroidism, ear infections, digestive problems, and urinary tract infections (UTIs). It can cover expenses for things from diagnosing the illness to the treatments your pet needs to get better.

Hereditary and Congenital Conditions

This coverage is for the costs of inherited conditions and birth defects that don’t show symptoms until later in your pet’s life. They can include heart disease, intervertebral disk disease (IVDD), eye disorders, and hip dysplasia.

Alternative Therapies

Nowadays, there are lots of alternative therapies available to help pets recover from injuries or illness. They include acupuncture, physiotherapy, chiropractic care, rehabilitative therapy, hydrotherapy, and low-level laser therapy.

Behavioral Issues

Behavioral issues with symptoms such as excessive licking, fur pulling, pacing, and destructive chewing, can be distressing and harmful to your pet. Plus, they can damage your home and disrupt your family life. Our Accident and Illness covers the costs of diagnosing and treating these issues.

As for the rest

Looks like you're pretty thorough. We like that. If we tried fitting all the details here though, you'd get sick of clicking that arrow. So here's a page where you can get the full story.

Pre-existing Conditions

Pre-existing conditions are not covered. They are defined as occurring before coverage begins or during a waiting period (especially knee and ligament conditions). A curable injury or illness that is cured and free of treatment and symptoms for 180 days will no longer be regarded as pre-existing, with the exception of knee and ligament conditions.

Cosmetic Procedures

Our plans don’t cover elective procedures, such as tail docking, ear cropping, cosmetic orthodontic procedures, and claw removal.

Breeding Costs

Our plans don’t cover costs associated with breeding or pregnancy.

Dental Cleanings

Unless they are required for the treatment of a covered illness.

Experimental or Investigational Treatment

Therapies that haven’t been proven or widely accepted by the veterinarian community to be effective.

As for the rest

Looks like you're pretty thorough. We like that. If we tried fitting all the details here though, you'd get sick of clicking that arrow. So here's a page where you can get the full story.

Key plan features

Annual, reimbursement policy covering cats and dogs.

If you incur eligible vet costs, you can claim money back.

Claims can be made for covered costs incurred at any licensed Vet in the US, Canada or US territories.

You’re able to choose:

The annual maximum reimbursed.
The percentage of the cost reimbursed.
Your annual deductible.

No physical exams or vet certifications before enrollment.

Your premiums do not depend on your claims history.

Coverage available for:

Accident Only coverage plans cover injuries and emergencies related to accidents.
Accidents & Illness
In addition to Accident coverage, an Accident & Illness plan covers the costs of major and minor illnesses. It covers expenses for things from diagnosing the covered condition to the treatments that your pet needs to get better.
Optional Preventative Care
You can add Preventive Care coverage to your base insurance plan for a little more per month.  Preventive care coverage reimburses you for services that can help keep your pet healthy.
Note: Please see the sample policies for complete information.

Why we chose the policy

It protects the most important furball in your life.

It’s the policy that our CEO got for his dog!

The sign up and claims process are simple.

An incredible combination of a brand we admire in ASPCA Pet Health Insurance and the backing of an established insurance company in United States Fire Insurance Company.

Rated A (Excellent) (A.M. Best Company).


There’s currently no coverage for pre-existing conditions.

Pet Insurance is provided through the  ASPCA Pet Health Insurance program. The ASPCA® is not an insurance and is not engaged in the business of insurance. ASPCA Pet Health Insurance plans are underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ). Insurance plans are marketed and produced by Waffle Labs, Inc. NPN # 19499260, in partnership with C&F Insurance Agency, Inc.  

Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit the
sample policy page. Preventive Care reimbursements are based on a schedule. Accident & Illness coverage reimbursements are based on the invoice. Products, schedules, discounts, and rates may vary and are subject to change. More information available at checkout.

How to get insured