The Beans Quote
Tell us about your pet. We'll tell you the truth.
A real price in seconds — no email wall, no sales call. Dial in your coverage, see exactly what's covered and what comes back to you, then decide.
Coverage for the selected pet
A plan for Pet 1. Most of every covered vet bill back, after a $250 deductible — per condition, once.
up to 90%
Back on covered bills
Unlimited
Annual & lifetime payout
$250
Deductible, per condition
Covered
- ✓Accidents & injuriesSwallowed socks, broken bones, torn ligaments — the 2am emergencies.
- ✓IllnessesFrom ear infections to cancer, including chronic and hereditary conditions.
- ✓Diagnostics & treatmentBloodwork, X-rays, MRIs, surgery, hospital stays, and prescription meds.
Not covered
- —Pre-existing conditionsAnything your pet showed signs of before coverage started.
- —Wellness & routine careVaccines, dental cleanings, spay/neuter — the planned stuff you can budget for.
- —Vet exam fees & taxesYour vet sets these; we don't touch their pricing.
Before you buy
The stuff people actually ask
Can I use my own vet?
Yes — any licensed vet in the US or Canada, including emergency and specialty clinics.
When does coverage start?
After a short waiting period once you enroll. We'll show you the exact dates before you pay.
Will my price go up if I make a claim?
No. We never raise your rate because you filed a claim.
What counts as pre-existing?
Anything your pet showed signs of before coverage started.
Can I cancel anytime?
Yes. No lock-in and no cancellation fee.