Compare Wishbone Pet Insurance

Comparison Fact Sheet
Updated 1/30/2024

To get the most from these sheets, please read the Guide to Pet Insurance first.



Company Info
Company Name Wishbone
Also Known As / Affiliates / Partners Odie Pet Insurance administers the plans for Wishbone Pet Insurance. Wishbone Pet Insurance is only available through employers that offer it as an employee benefit.
Address 211 Boulevard of the Americas Suite 403
Lakewood, NJ 08701
Phone 1-800-887-5708
Website www.wishboneinsurance.com
Plans That Provide Full Accident and Illness Coverage Wishbone Illness and Injury Plan *
States Covered Not Clear
Underwriter and AM Best Financial Strength Rating Insurance underwritten by Trisura Insurance Company, Clear Blue Insurance Company and Clear Blue Specialty Insurance Company.

Trisura Insurance Company has an AM Best Financial Strength Rating of "A-" and an Outlook of "Negative" as of 1/30/2024.

Clear Blue Insurance Company has an AM Best Financial Strength Rating of "A-" and an Outlook of "Stable" as of 1/30/2024.

Clear Blue Specialty Insurance Company has an AM Best Financial Strength Rating of "A-" and an Outlook of "Stable" as of 1/30/2024.


For the most recent ratings go to: AM Best
Year Company Started Not Clear

 

Policy Basics
Policy Term Not Clear
Effective Date The Effective Date will be listed on the Declarations Page of your policy after you apply and are accepted.
Enrollment Age Must be at least 7 weeks old
Cancellation Policy Ask for a current copy of their insurance policy so that you may review their cancellation policy
Waiting Period 14 days for illness
3 days for accidents
6 months for cruciate ligament events and any related conditions

**Waiting Periods can vary by state. See actual policy or contact Wishbone to confirm the waiting periods for your state.
Waiting Period for Cruciate Injury 6 months for cruciate ligament events and any related conditions

**Waiting Periods can vary by state. See actual policy or contact Wishbone to confirm the waiting periods for your state.
Coverage When Travel Out of State or Country? You may visit any licensed veterinarian in the US, Canada, and any region under US government control, such as territories or military installations/bases in foreign countries.
Can the Price of the Policy Increase as my Pet Ages? Yes, the policy premium can increase as your pet ages. The premium may also increase due to inflation or other reasons.

Contact Wishbone for more information on when and by how much your premium may increase.
Does Coverage Stop Due to Age? Not Clear
What Happens when the Policy Renews? Not Clear
Can the Price of the Policy Increase if a Claim is Filed? Not Clear
Choice of Vet? You may visit any licensed veterinarian in the US, Canada, and any region under US government control, such as territories or military installations/bases in foreign countries.
Money Back Guarantee? There is a 30 day money back guarantee. They will refund your money in full as long as you have not filed a claim.

*May vary by state
Surcharge for Visiting a Specialist or Emergency Clinic? Not Clear
Referral needed to Visit a Specialist? Not Clear
Pre-certification Required? Not Clear
Additional Requirements **See actual policy or contact Wishbone for a complete list of the requirements you are expected to adhere to in order to maintain coverage.
Pet Insurance Policy Available for Pre-Purchase Review? Sample policy NOT available online

 

What's Covered
Species Covered Dogs and Cats
Accident/Injury -
Baseline Coverage		 Not Clear
Illness -
Baseline Coverage		 Not Clear
Behavioral Therapy Coverage Not Clear
Alternative Therapy Coverage Not Clear
Pre-existing Conditions Policy Not Clear
Hereditary & Congenital Conditions Coverage On their website it states that Hereditary and Congenital conditions are covered, but it is not clear to what extent they are covered. Are there monetary limits? Is there a bilateral conditions policy that effects medical limits?
Continual Coverage for Chronic Conditions Not Clear
Chronic Conditions Policy The Notice for California Residents link has the following sentence: "The policy excludes Preexisting Conditions and Chronic Conditions." Question: Does this statement mean Chronic Conditions are excluded? Is this true in other states as well?
Cancer Coverage See 'Chronic Conditions Policy' section above
Cancer Coverage Limits Not Clear
Hip Dysplasia See Hereditary and Congenital Section Above
Prescription Drug Coverage Not Clear
Pregnancy Coverage [NO]
Routine/Wellness Coverage [OPTIONAL]

Routine/Wellness Coverage is available for an additional fee.

**See actual policy or contact the company for a complete description of their Wellness Coverage
Vaccinations [OPTIONAL] - See Routine/Wellness Coverage above for details
Spay/Neuter [OPTIONAL] - See Routine/Wellness Coverage above for details
Dental Care (Routine) [OPTIONAL] - See Routine/Wellness Coverage above for details
Dental Care (Illness/Accident) Not Clear

A sample policy is needed to get a clear understanding of what dental procedures are included/excluded.
Bilateral Conditions Policy Not Clear
Coverage - Overview
(please read policy for full coverage details)		 Not Clear
What's not Covered - Overview
(partial listing, please read policy for full details)
  • Pre-existing conditions
  • Accidents and illnesses that occur during the waiting period
  • Costs from breeding or pregnancy
  • Boarding
...See policy for a complete listing

 

How The Policy Works
Reimbursement Not Clear
Deductible Not Clear
Flat Deductible vs % Deductible Not Clear
Deductible Per Incident vs Annual Deductible Not Clear
How is Reimbursement Determined Reimbursement is based on Actual Costs

Reimbursements are calculated by applying your reimbursement percentage first then your deductible. This can lead to being reimbursed less than companies that subtract the deductible BEFORE applying the reimbursement percentage.
Max Payout Annually Not Clear
Max Lifetime Payout Not Clear
Max Payout per Incident Not Clear
Max Payout Based on Body System Not Clear
Client Reimbursed or Vet Paid Directly You pay the veterinarian and then you are reimbursed after you file the claim.

 

Pricing
Approximate Monthly Costs Not Clear

 

Additional Info
My Review  
What are Customers Saying? Check with your state's Department of Insurance to see if any complaints have been filed for this company.
Better Business Bureau None available at the time of this writing
Additional Info There is not much available online for customers to use to evaluate this Pet Insurance Plan. If you are considering this plan, contact Wishbone to get the items above answered. See if you can also get a sample policy for your state for review as well.

*The information in the above charts applies to Wishbone pet insurance plans that cover illness and accidents. If your pet is only eligible for accident coverage, please contact Wishbone for details on that policy.

**Disclaimer: These charts are created based on my research. While I do my best to stay current, information can change quickly. Also, terms and conditions can vary from state to state. Before buying a pet insurance plan, confirm all information by contacting the company or reading the most current policy for your state. We will not be held liable for errors or omissions. If you see something that is incorrect or needs clarifying, please let me know.

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