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What Does Pet Insurance Cover?

From emergency care to everyday visits, CuvroPets insurance is designed to give you peace of mind no matter what life throws your way. Our policies include coverage for:

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Accidents

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Broken bones, lacerations, swallowed objects, and emergency vet visits.

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Illnesses

Chronic and acute conditions like infections, digestive issues, skin problems, cancer, and more.

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Diagnostics

X-rays, bloodwork, MRIs, and other tests needed for diagnosis and treatment.

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Hospitalization & Surgery

Overnight stays, procedures, and post-operative care.

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Medications

Prescriptions for pain relief, infections, and ongoing treatments.

Preventive Care

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Optional add-on: checkups, vaccines, flea/tick prevention, dental cleanings.

Bonus:

Get reimbursed for up to 90% of vet expenses. Visit any licensed vet — no network restrictions. Just upload your bill and get paid fast.

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What Does Pet Insurance Not Cover?

While CuvroPets helps protect your pet’s health by covering a wide range of accidents and illnesses, there are some exclusions you should be aware of:

  • Pre-existing conditions

  • Grooming and cosmetic procedures

  • Funeral or burial expenses

In certain cases, curable conditions that remain symptom-free and untreated for at least six months may become eligible for coverage again. However, knee and ligament issues are permanent exclusions.

Essential Tips for Savvy Pet Parents:

Consider these tips to enhance your experience with CuvroPets:

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Your policy includes a waiting period, which is the time between enrollment and when coverage officially starts. Any injury, illness, or health change that occurs during this period will be considered pre-existing and will not be covered. With CuvroPets, waiting periods typically begin the day after purchase, and full details can be found in your policy documents.

Understanding Waiting Periods

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Preventive care is available as an optional add-on, and coverage begins just 24 hours after purchase. This benefit helps pay for: Routine check-ups and wellness exams, Vaccinations, Dental cleanings, Other essential preventive services. By adding preventive care, you’re not only protecting your pet against common diseases, but also investing in long-term health and cost savings.

Preventive Care Add-Ons

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CuvroPets doesn’t limit you to networks. You’re free to take your pet to any licensed veterinarian in Puerto Ricoincluding specialists and emergency hospitals. For even more coverage, you can add our Platinum Preventive option, which helps with eligible spay or neuter costs.

Choosing a Veterinarian

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Submitting a claim is quick and hassle-free. After your vet visit, upload the invoice and required details through the member portal or mobile app. Most claims are reviewed in fewer than three business days, and you can choose to receive your reimbursement via direct deposit or check.

Simple Claim Process

Plan Options

Preventive Care for Your Pet

Regular veterinary check-ups included in CuvroPets preventive care plans play a vital role in keeping your pet healthy. Early detection of potential health issues allows for timely intervention, often making treatments more effective and less costly.

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Routine visits can uncover health concerns before they become severe. Identifying conditions in their earliest stages often means treatment is simpler, more effective, and less stressful for your pet.

Early Detection

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Addressing health issues early can help you avoid expensive treatments down the road. Preventive care is an investment that can significantly reduce future medical bills while sparing your pet unnecessary suffering.

Cost Savings

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Preventive care includes vaccinations and other protective measures that shield pets from common and serious diseases. These services are essential in helping your pet avoid illnesses that could otherwise impact their quality of life.

Disease Prevention

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Long-Term Health

Ongoing preventive services such as dental care, proper nutrition guidance, and parasite control contribute to overall wellness. Consistent care not only supports longevity but also helps your pet enjoy an active, fulfilling life.

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Knowing your pet receives regular preventive care provides reassurance that you are doing everything possible to protect their health. This proactive approach offers comfort to pet parents while ensuring pets receive the best care available.

Peace of Mind

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Preventive care isn’t limited to physical health. Regular check-ups also provide an opportunity to address behavioral challenges early, improving your pet’s comfort at home and strengthening the bond between pet and owner.

Behavioral Well-Being

Pet insurance that’s easy!

Cuvro makes it simple for pet parents to submit a pet insurance claim and receive reimbursement for eligible services in just a few days.

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Visit Any Vet

No vet restrictions! Visit any vet in Puerto Rico.

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Submit Your Claim

Send us your bill online, in our app, or via fax.

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Get Paid!

Get cash back quickly for covered vet bills either direct deposit or check – you pick.

Pet Insurance FAQs

  • Pet insurance generally helps pay for conditions or accidents that occur after your pet is enrolled. With CuvroPets, pets in Puerto Rico are protected for eligible new injuries and illnesses that arise after coverage begins. CuvroPets does not cover pre-existing conditions, grooming, or funeral/burial expenses. Curable pre-existing conditions may become eligible if your pet has been symptom-free and treatment-free for six months; however, knee and ligament conditions are not eligible under this exception.

  • Pet insurance exists to provide financial protection and peace of mind by helping cover unexpected veterinary bills. With CuvroPets, you can focus on getting your dog or cat the care they need—whether for accidents, illnesses, or routine preventive services you’ve added—without carrying the full weight of sudden out-of-pocket costs.

  • A deductible is the set amount you pay toward covered veterinary costs before your insurance reimbursement begins. It’s a key part of how your plan shares costs with you and can influence both your premium and how much you pay at claim time. Check your CuvroPets policy documents or contact our team to understand which deductible options fit your budget and coverage goals.

  • Offering pet insurance as an employee benefit can elevate morale, loyalty, and retention. It shows a genuine commitment to employees’ well-being by recognizing pets as family members. Employers who include CuvroPets in their benefits package demonstrate care beyond the office—helping attract and keep top talent with a meaningful, modern benefit.