Pet Insurance
Help with veterinary costs so a sick or injured pet is a family decision, not a financial one.
Veterinary medicine can do remarkable things now, and the bills reflect it. A torn ACL from chasing squirrels, a swallowed sock, a chronic condition in an aging lab: any of these can turn into four figures fast. Pet insurance helps cover accident and illness costs so you can make decisions based on what is right for the animal instead of what is left in the account. Todd offers pet coverage alongside your other policies, explains the waiting periods and exclusions honestly, and helps you pick a deductible and reimbursement level that fits your budget.
What Todd looks at
- Accident and illness coverage
- Choice of deductible and reimbursement levels
- Honest guidance on waiting periods
- Coverage that travels with your pet
Not sure what you are carrying today? Send Todd your current declarations page and he will read it back to you in plain language.
Call (612) 500-5215Where Todd writes pet insurance
Todd writes pet insurance across the northwest Twin Cities metro.
Questions Todd gets asked.
Are pre-existing conditions covered?
Generally no. Conditions that showed symptoms before coverage started or during a waiting period are excluded, which is the strongest argument for enrolling a pet while it is young and healthy. Todd will explain exactly how a given plan defines pre-existing before you sign.
Can I use any veterinarian?
Most pet plans reimburse you rather than paying the vet directly, so you can typically use any licensed veterinarian, including emergency and specialty clinics. Todd walks you through how claims and reimbursement actually work for the plan you choose.
Other coverage Todd writes.
Homeowners Insurance
Homeowners coverage built for Minnesota weather: hail, straight-line wind, winter storms, ice dams, and frozen pipes.
Learn morePersonal Auto Insurance
Auto coverage for real Minnesota driving: deer on the county roads, ice on the freeway, and hail in the driveway.
Learn moreCommercial Auto Insurance
Coverage for the trucks, vans, and pickups that do the work: contractors, trades, and service businesses across the metro.
Learn moreBusiness Owners Policy (BOP)
Property, liability, and business income bundled into one policy sized for Minnesota small businesses.
Learn more