Best Pet Insurance Online

Pets are part of the family, and we want them to have the best possible care. Similar to healthcare for humans, budgeting for pet medical expenses can be difficult; even one accident or emergency could mean thousands of dollars in unexpected costs. HDA Insurance offers several affordable pet insurance plans that cover routine checkups, emergency services and everything in between.

Pet health insurance covers a wide variety of medical expenses:

  • Accidents/injury
  • Illness
  • Hospitalization
  • Emergency vet visits
  • Surgery
  • Vaccinations
  • Annual physicals
  • Flea prevention
  • Dental trauma
  • Some alternative therapies

Coverage for accidents and preventive care (if purchased) begins immediately on the plan’s effective date; illnesses and knee/ligament injuries have a 14-day waiting period.

Although premium will increase as a covered pet gets older, a policy will never be cancelled or downgraded due to a pet’s age or health.

Customers can call the service center at 1-855-290-8494 with questions about the policy or a claim. We also offer online account management. For customers who request paper documents, they are mailed within three business days of buying the insurance (if paper copies are selected).


Claims are handled via reimbursement to the customer.

Here’s how it works:

  • Customer takes their pet for a covered treatment
  • Customer pays the vet bill
  • Customer submits a claim to be reimbursed

That’s it! After the annual deductible is met, the reimbursement amount will be 70%, 80% or 90% of the cost, based on the level selected when the policy was purchased. Reimbursements can be deposited directly into a customer’s bank account or sent via check. Typically, it takes 14-16 business days to process a claim. Customers can call us at 1-855-290-8494 with questions about the policy or a claim, or log into their online account to download a claim, track the status of a claim, sign up for direct deposit for claims and more.