Protecting Your Most Loyal Companion
We’ve partnered with Prudent Pet to offer powerful protection, flexible options, and peace of mind built right in:
- #1 Rated Pet Insurance on Trustpilot
- Unlimited 24/7 Live Vet Chat on All Policies
- Multi-Pet Discount
- No Upper-Age Restrictions
- 75% of Claims Processed in 24 Hours
- Wellness and Vet Exam Coverage Options
- Use Any Licensed Vet in the USA & Canada
US Alliance + Prudent Pet: Leading The Pack In Pet Insurance
US Alliance is proud to partner with Prudent Pet to make protecting your furry family members easy, affordable, and reliable. Tail-wagging coverage meets customer-first care with the protection your pet deserves.
Created For Pet Families, Just Like Yours
Dog & Cat Pet Insurance
Pet Insurance Coverage Available For:
- New Cases of Illness or Injury
- Cancer Treatments
- Hereditary Conditions
- Congenital (Birth) Defects or Abnormalities
- Emergencies & Hospitalizations
- Radiology & Diagnostic Tests
- Surgery & Specialized Care
- Prescription Medications
- Behavioral Disorders
- Loss Due To Theft or Stray*
- Mortality Expenses*
- And Much More
Unlimited 24/7
Live Vet Chat
Unlimited 24/7 Live Vet Chat
Noticed a strange cough or sudden limp? With 24/7 access to chat with licensed vets, you can get expert advice anytime — no appointments, no waiting rooms, no stress.
Every plan includes free live chat with real veterinarians, day or night. Ask health questions, save time and money, and get trusted guidance without ever leaving your pet’s side.
Choose The Right Plan For Your Pet’s Needs
Whether you’ve got a rough-and-tumble retriever or a nap-loving tabby, there’s a plan that fits your pet and your budget.
Accident Only
Covers Accident Injuries Only-
24/7 Vet Chat
-
Customizable Deductible & Reimbursement
Essential
Covers Accident and Illness-
24/7 Vet Chat
-
Customizable Deductible & Reimbursement
Ultimate
Covers Accident and Illness-
24/7 Vet Chat
-
Customizable Deductible & Reimbursement
Optional Coverage
Preventing problems before they start is one of the best ways to protect your pet’s health for routine and ongoing care.
Optional Add-Ons
Veterinary Exam Fee Coverage
This option helps cover exam or consultation fees for diagnosing and treating your pet for a covered illness or accident. Whether it is an unexpected injury or a sudden sickness, you will have support for those essential vet visits.
Wellness Coverage Add-Ons
Optional wellness coverage adds routine care to your plan. This helps pay for regular checkups, vaccinations, and preventive care to keep your pet healthy and ready for belly rubs year-round.
| Coverage | Accident Only | Essential | Ultimate |
|---|---|---|---|
| Veterinary Fees | $10,000 | $10,000 | Unlimited |
| Alternative Therapies* | ✓ | ✓ | ✓ |
| Bite Wounds | ✓ | ✓ | ✓ |
| Broken Bones | ✓ | ✓ | ✓ |
| Cancer & Growths | ✓ | ✓ | |
| Cancer Treatments | ✓ | ✓ | |
| Congenital Defects | ✓ | ✓ | |
| Injuries to Teeth or Mouth | ✓ | ✓ | ✓ |
| Digestive Illness | ✓ | ✓ | |
| Emergencies & Hospitalizations | ✓ | ✓ | ✓ |
| Exam Fees | Optional Add-On | Optional Add-On | Optional Add-On |
| Eye, Ear, Skin Conditions | ✓ | ✓ | |
| Hereditary Conditions | ✓ | ✓ | |
| Hip Dysplasia | ✓ | ✓ | |
| Prescription Meds | ✓ | ✓ | ✓ |
| Radiology & Diagnostic Tests | ✓ | ✓ | ✓ |
| Surgery & Specialized Care | ✓ | ✓ | ✓ |
| Swallowed Objects | ✓ | ✓ | ✓ |
| Urinary Infections | ✓ | ✓ | |
| Behavioral Disorders | $0 | $250 | $1,000 |
| Advertising & Reward | $0 | $0 | $500 |
| Boarding Fees | $0 | $0 | $500 |
| Loss Due to Theft or Stray | $0 | $0 | $500 |
| Mortality Benefit | $0 | $0 | $1,000 |
| Vacation Cancellation | $0 | $0 | $1,000 |
Coverage That Goes The Extra Mile
Our pet insurance plans help cover veterinary costs from accidents, injuries, and illnesses so you can focus on your pet’s care, not the cost. And with the Ultimate Plan, you get added peace of mind with valuable extras, including:
- Up to $1,000 per year for behavioral disorders
- Up to $500 for lost pet advertising and rewards
- Up to $500 for boarding kennel or cattery fees
- Up to $500 for loss due to theft or stray
- Up to $1,000 for mortality expenses
- Up to $1,000 if a life-saving pet emergency disrupts your vacation
When life takes an unexpected turn, your pet deserves coverage that truly has its back and yours.
Choose a Plan That Fits Your Budget
Choose your annual limit, deductible and reimbursement rate
Annual Limit
$2,500 – Unlimited
Deductible
$100, $250, $500, or $1000
Reimbursement
70% – 90%
How It Works
Visit Any Licensed Vet
If your pet is sick of injured, take them to any vet, emergency animal hospitals or specialists in the U.S. or Canada.
Submit Your Claim
Pay your vet bill. Upload a snapshot of the bill to your pet’s portal. Its that easy.
Get Reimbursed
Lightning-fast claims process. After claim approvial, you’ll get paid up to 90% of your vet bill.
Get Your Customized Coverage Today
Pet insurance is provided and administered by Prudent Pet Insurance Agency, LLC (NPN #18778951). Plans are underwritten by Markel Insurance Company and Markel American Insurance Company. Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply.
30-day money back guarantee is not available if claims have been paid.
*Available with Ultimate Plans.
For all terms and conditions visit https://www.prudentpet.com/sample-policy/. Wellness coverage reimbursements are based on a schedule. Products, rates and discounts may vary and are subject to change.
Not available in Canada.