North Country Insurance wildlife emblem: deer, raccoon, squirrel, and eagle among pines North Country Insurance Agency, Inc. 231-238-9882

Pet insurance.

Vet bills happen to good dogs and cats. Policies can provide up to 100% reimbursement for covered vet bills. Contact us today!

A golden retriever sitting at the end of a dock, looking out over a lake in autumn

Veterinary medicine can do far more than it used to, and the bills reflect that. Pet insurance exists so that the decision in front of you at the vet is a medical one rather than a financial one.

It works differently from your other policies. You generally pay the vet and get reimbursed, and you can use any licensed veterinarian rather than a network.

What a pet policy can cover.

  • Accidents and emergencies

    Injuries, broken bones, and the things dogs swallow that they should not have.

  • Common illnesses

    From the sniffles to skin issues and everything in between.

  • Chronic conditions

    Ongoing care can add up. A policy may cover conditions that aren’t pre-existing for the life of your pet.

  • Wellness and preventative care

    Optional coverage toward the cost of yearly exams, vaccines, diagnostic tests, & more.

All subject to the coverage and limits on the policy.

Country dogs get into country trouble.

Dogs up here spend real time outdoors, in the woods, around water and around wildlife. Porcupines, ticks, cuts from ice and the occasional argument with something larger are all part of the picture.

The nearest emergency veterinary clinic can also be a drive from here, and after hours emergency care carries different pricing than a scheduled visit. That is the scenario worth planning for.

Worth raising before you buy.

Pre-existing conditions are excluded

This is close to universal across pet insurance. Enrolling while a pet is young and healthy is how you avoid the problem.

Read the waiting periods

Most plans have a waiting period before coverage begins, sometimes longer for specific conditions.

Reimbursement, not payment at the counter

You generally pay the vet and are reimbursed afterward, so the money still has to be available on the day.

Questions we get asked.

Can I use my own veterinarian?
Generally, yes. Most pet insurance works on reimbursement with any licensed vet rather than a restricted network, which matters when your options in a rural area are limited.
Are pre-existing conditions covered?
No, essentially never. Any condition your pet has shown signs of before the policy starts will be excluded, which is the main argument for enrolling early.
Does it cover routine visits and shots?
Usually only if you add a wellness option. Base plans are built for accidents and illness, which is where the unpredictable costs are.

Related coverage

Need pet insurance?

We will shop it across our carriers, then call you back and talk it through. No obligation.

Request a quote Call 231-238-9882