Animalia summary
Pros
- One plan with everything included—no extras to think about
- Your vet can run all tests needed to diagnose and treat your pet
- Claims paid within a week
Cons
- No cover for cosmetic procedures
- No cover for pre-existing conditions
- Spaying and neutering services aren’t included
Editorial score
Online experience
User-friendly website and app that makes it easy to understand the insurance, how it works, and what’s covered. Rates available upon inquiry.
Customizable rates and services
Choose from 3 deductible options ($200, $350, and $500) and 3 reimbursement percentage options (70%, 80%, and 90%).
Claims payout waiting period
Most claims paid out within 1 week
Customer support
Email and phone support available
Bundles
Multi-pet bundles available
Visit Animalia
What Does It Cover
Animalia offers one plan for every pet. This streamlines the process, saving you from picking from a list of plans as you guess what health issues your pet might experience in its lifetime.
Animalia pet insurance covers anything that falls under accidents and injuries, illnesses including chronic conditions, and hereditary conditions. It covers all testing and procedures necessary for any covered illness or injury. However, Animalia does not cover pre-existing conditions.
The full gamut of tests you might need are covered, including imaging and blood tests. Emergency treatment, surgeries, cancer treatment, and prescription medications are included as well. Even seeing a specialist is covered!
Unlike many pet plans, Animalia also covers alternative treatment (think chiropractor or acupuncture), behavioral therapy, dental care, and even prescription food.
Animalia trusts your choices when it comes to finding the right vet, so it doesn't limit who you can see — the coverage works with any vet.
Insurance Plans & Pricing
Pricing is based on the deductible and reimbursement options that you choose, as well as your location and the breed and age of the pet. It is important to note that customers insuring two pets benefit from a 5% discount while insuring three or more pets results in a 10% discount.
For example, in 2022 in Indiana State, with a plan with 90% reimbursement and a $350 deductible, a 1-year-old German Shepherd mix that is spayed and has no prior history of illness can be covered for $66.80 per month.
In the same state, year, and plan parameters, a 6-year-old male labrador that has not been neutered and with prior, but resolved, medical issues, can be covered for $81.06.
Be advised that quotes are subject to change based on inflation, location, and any discounts (multi-pet, military, service animal, etc.). Prices will not go up if you file a claim or multiple claims.
What Is Not Covered
Animalia does not cover pre-existing conditions. Avoidable injuries, illnesses, and procedures are also not covered. These include street fighting, cosmetic treatments, and spaying/neutering.
Waiting Periods
Animalia offers a short 5-day waiting period, meaning that 5 days after signing up, if your dog gets hurt or ill, the costs will likely be covered. However, if anything happens within the 5-day waiting period they won’t cover it.
Coverage Limits
Animalia covers pets up to $25,000 per year and your pet’s plan covers them for the duration of their lifetime.
Reimbursement and Deductibles
Monthly payments are based on many factors such as location, breed, age, and reimbursement and deductible options. To collect on reimbursement, send a copy of your bill or quote to Animalia. Reimbursements will be paid out in 5-7 days and are now available via Venmo.
Deductible Options | Reimbursement Options |
$200 | 70% |
$350 | 80% |
$500 | 90% |
Claims and Customer Support
The founders of Animalia know how hard it is to deal with tons of paperwork when you have a sick pet. That’s why they’ve made it simple to file a claim. The user interface is user-friendly and informative, and it takes only 1.5 minutes on average to file a claim. 95% of claims are paid out within a week.
You file the claim online by starting a chat. You describe what happened, and the representative will tell you the next step, which is usually to submit the receipt—they will handle the rest.
Animalia professionals then contact your vet’s office and get the remaining documentation they need. If your claim is approved, the funds will be deposited in your account within a week.
Representatives are available via phone or email for support if you have any problems, but hours of operation are not displayed on the website, and it’s not clear whether you would be communicating directly with a vet.
What You Might Like
Most Animalia customers love the short waiting period. There are no questions asked about most of the tests or procedures required, as long as it’s for an injury or illness, and no more hard decisions. Customers know that if their pet is ill and needs help, they can get it.
What Animalia Could Do Better
A downside of Animalia (and most pet plans) is the lack of coverage for pre-existing conditions, including anything that occurs during the waiting period. If something is pre-existing, it’s excluded for your pet’s lifetime.
Contact Details and Address
If you have any problems or questions, you can contact Animalia at 1-888-719-4629 or email them at info@animalia.pet.
Bottom Line
Animalia is one of the first pet insurance plans to put your pet first. You don’t have to worry about which procedures are covered or waiting a long time to get reimbursed. The claims process takes less than 2 minutes, and you get reimbursed within 1 week, meaning your pet can get help right away in their time of need.
Methodology
This review was created by reviewing Animalia’s website and its social media (Facebook) page. We also spoke with an Animalia representative by phone to come to conclusions about their offerings.
Our editorial staff consists of writers who are knowledgeable about financial services. We specialize in simplifying the process of choosing the right provider for your needs.
