Pet insurance
Pet insurance for the dogs and cats you love
Your pet is part of the family, and a sudden injury or illness can bring a veterinary bill of several thousand dollars. Pet insurance helps pay for that care, so treatment decisions are about what your pet needs, not the bill. Start a Safeco quote right on this page.
- Dogs & cats
- Use your own vet
- Quote in a few minutes
Safeco pet insurance
Through Tillman/Allen Insurance
Free quote
Start your Safeco pet quote
Enter your pet’s name, choose dog or cat, and add your ZIP code to see Safeco pet insurance options.
How it works
How pet insurance works
Most plans work by reimbursement: you pay your vet, send the claim and the plan pays you back for covered costs.
Accident & illness plans
The most common plan, covering unexpected injuries and illnesses, including exams, tests, surgery, hospital stays and medication.
Accident-only plans
A lower-cost option that covers injuries from accidents, such as fractures, bites and poisoning, but not illnesses.
Wellness coverage
Often an add-on, wellness coverage helps with checkups, vaccinations and preventive care.
Your choices
Three choices that set your price
Your premium depends largely on these settings, plus your pet’s species, breed, age and where you live.
01
Deductible
What you pay before the plan pays. A higher deductible lowers your premium.
02
Reimbursement rate
The share of a covered bill the plan pays back. A lower rate lowers your premium.
03
Annual limit
The most the plan pays in a year. Choose a limit that would cover a serious illness.
What we cover
What a pet policy can include
Exact coverage depends on the plan you choose; your policy lists what is included and excluded.
Accidents and illness
Care when the unexpected happens.
- Accidents & injuries
- Illness & infections
- Cancer & chronic conditions
- Hereditary conditions (many plans)
Treatment and care
The services that drive vet bills.
- Emergency & specialist care
- Surgery & hospital stays
- X-rays, ultrasound & lab tests
- Prescription medications
- Optional wellness add-on
Questions
Pet insurance FAQ
Quick answers to common pet insurance questions.
Can I keep my current vet?
Generally, yes. Most plans let you use any licensed veterinarian, including specialists and emergency clinics.
Are pre-existing conditions covered?
Usually not. Conditions that began before coverage, or during a waiting period, are typically excluded, so insure while your pet is healthy.
Is there a waiting period?
Most plans have a short waiting period after enrollment, and some conditions can have a longer one. Check the plan details.
Our basic belief is in providing only the best in coverage and personal service.
THE TILLMAN/ALLEN TEAM
Our promise
What you can count on
- Personal service from a local team
- Coverage compared across top-rated carriers
- Straight answers, no pressure
- Help when you need to file a claim
Get started
Ready to protect your pet?
Start your Safeco pet quote below, or call our Brentwood office.
- (615) 370-9080
- Mon–Fri 8:00 AM–5:00 PM
Tillman/Allen Insurance is licensed in and provides services to residents of Tennessee, Kentucky and Arkansas. Insurance coverage cannot be bound or changed via submission of any online form/application provided on this site. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly by a licensed agent.