Legal & Transparency

Disclaimer

Website: PetInsureNow.com

Effective Date: March 31, 2026

Last Updated: May 19, 2026

Plain English Summary

PetInsureNow publishes educational research about pet insurance, we are not an insurance company, agent, or licensed advisor. Our content helps you understand how pet insurance works, but it is not a substitute for reading actual policy documents or consulting a licensed professional. Some links on our site earn us a commission, which we always disclose. We are not responsible for decisions you make based on our content.

PetInsureNow.com ("we," "us," or "our") is an independent informational and educational website dedicated to helping dog and cat owners in the United States research, compare, and better understand pet insurance options. This Disclaimer applies to all content, tools, comparisons, articles, reviews, cost guides, and resources published on PetInsureNow.com.

By using this website, you acknowledge that you have read and understood this Disclaimer and agree to its terms. If you do not agree, please discontinue use of the Site.

1We Are Not an Insurance Company

PetInsureNow.com is not a licensed insurance company, insurance agent, insurance broker, or underwriter. We do not sell, issue, bind, underwrite, or administer pet insurance policies of any kind.

This means:

  • We cannot approve or deny any insurance application.
  • We cannot quote binding premiums — all quotes come directly from licensed insurance providers.
  • We cannot modify, interpret, or override the terms of any insurance policy.
  • All coverage decisions are made exclusively by the licensed insurer whose policy you purchase.

2Content Is for Informational Purposes Only

All content published on PetInsureNow.com including articles, comparison tables, coverage summaries, cost estimates, breed-specific guides, FAQs, and provider reviews, is provided strictly for educational and informational purposes only.

Our content is designed to help pet owners understand how pet insurance works, what to look for in a policy, and how different providers approach coverage, exclusions, and reimbursement. It is not a substitute for:

  • Reading the full policy documentation provided directly by any insurer before purchasing.
  • Consulting a licensed insurance agent or broker who can provide advice tailored to your specific situation.
  • Consulting a licensed veterinarian regarding your pet's health, treatment options, or medical decisions.

Nothing on this website constitutes licensed insurance advice, veterinary advice, financial advice, or a personalized recommendation of any kind.

3Accuracy, Completeness, and Timeliness of Information

We take content accuracy seriously. Our researchers review primary source insurer documents, published policy schedules, and veterinary pricing data. However, the pet insurance market is dynamic, policy terms, premiums, coverage limits, exclusions, waiting periods, and provider availability change frequently and without notice.

Specifically, please be aware that:

Cost Estimates

Premium ranges and cost figures are approximations based on research at time of writing. Actual quotes depend on your pet's species, breed, age, health history, your ZIP code, and the plan you select.

Coverage Descriptions

Our summaries of what policies cover are based on published insurer documents. Policy terms may have changed since our last review. Always verify current coverage directly with the insurer.

Provider Comparisons

Comparison tables reflect our research at a specific point in time. New plans may have launched, existing plans may have changed, and providers may have exited or entered certain states.

Waiting Periods & Exclusions

Waiting period durations and exclusion categories vary by insurer, plan tier, and state. Information shown is general and may not reflect your specific policy or location.

We are not responsible for errors, omissions, or outdated information on this site. All information should be independently verified with the insurer before any purchase decision is made.

4No Professional, Veterinary, or Financial Advice

The content on PetInsureNow.com does not constitute and should not be interpreted as:

  • Insurance advice: We do not provide advice tailored to your specific coverage needs, budget, or pet's health profile. We are not licensed to do so.
  • Veterinary advice: We do not provide diagnoses, treatment recommendations, or medical opinions about any animal. Always consult a licensed veterinarian for health-related decisions.
  • Financial advice: Content about policy costs, long-term expense projections, and financial planning is educational only. Consult a qualified financial advisor for personalized financial guidance.
  • Legal advice: Nothing on this site constitutes legal counsel. For questions about insurance law, policy disputes, or your legal rights as a policyholder, consult a licensed attorney.

5Affiliate Links and Commercial Relationships

Some links on PetInsureNow.com are affiliate links. When you click these links and enroll in a pet insurance policy through a partner insurer, we may receive a referral commission. This commission comes at no additional cost to you, you pay exactly the same price as going directly to the insurer.

Our affiliate relationships do not influence our editorial content, coverage analysis, or provider assessments. All research is conducted independently. For complete details about how we earn revenue and how it affects our content, please read our full Affiliate Disclosure.

6State-by-State Variation

Pet insurance is regulated at the state level in the United States. This means that coverage options, waiting periods, exclusion categories, premium structures, and provider availability can differ significantly from one state to another.

Content on PetInsureNow.com is written for a general U.S. audience and may not accurately reflect the specific rules, regulations, or available plans in your state. Always confirm plan details, state availability, and regulatory compliance directly with the insurance provider before purchasing.

7Third-Party Websites and External Links

PetInsureNow.com contains links to external websites operated by third-party pet insurance providers and other organizations. We do not control the content, privacy practices, accuracy, or policies of any third-party site. Linking to a third-party site does not constitute an endorsement of that site, its content, or its products. We accept no responsibility for any third-party website or the information it contains. When you leave PetInsureNow.com, this Disclaimer and our other policies no longer apply.

8Limitation of Liability

To the fullest extent permitted by applicable law, PetInsureNow.com, its owners, contributors, editors, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from:

  • Your use of or reliance on any content, tool, comparison, or estimate published on this Site.
  • Any insurance purchasing decision you make based on information found on this Site.
  • Inaccuracies, errors, or outdated data in any article, comparison table, or cost estimate.
  • Denied insurance claims, coverage disputes, or policy outcomes with any third-party insurer.
  • Any action or inaction taken by a third-party insurer whose site is linked from PetInsureNow.com.

This limitation applies regardless of the legal theory under which a claim is made and even if we have been advised of the possibility of such damages.

9Changes to This Disclaimer

We reserve the right to update or modify this Disclaimer at any time. Changes will be reflected by updating the "Last Updated" date at the top of this page. Your continued use of PetInsureNow.com following any update constitutes your acceptance of the revised Disclaimer. We encourage you to review this page periodically.

Questions About This Disclaimer?

If you have any questions about this Disclaimer or how it applies to any content on our site, please contact us:

Website: PetInsureNow.com

Email: help@petinsurenow.com