Pet Insurance

Provide Your Furry Friend With The Best Care

Torian Insurance offers a variety of pet insurance policies to protect your beloved family pet.

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Call (812) 424-5503 or fill out the form below to get started.

pet insurance at Torian Insurance

Pets, Like Other Family Members, Can Rack Up Medical Bills

Pet owners love their furry friends and want to provide them with the best care possible, but unexpected veterinary bills can be expensive and hard to manage. Pet insurance can help with these costs and give pet owners peace of mind.

With pet insurance, pet owners can get reimbursed for a portion of their vet bills, allowing them to focus on their pet’s recovery instead of worrying about the costs. It can also help pet owners make more informed decisions about their pet’s care, knowing that they have financial support should an unexpected incident occur.

One in three pets need unexpected care each year.
-American Pet Products Association, 2018.

The cost of veterinary care has more than doubled in the past decade.
-American Veterinary Medical Association, 2019

Veterinary medicine is advancing with more specialists and treatment options available.

Every six seconds a pet parent is handed a bill for more than $3,000.
-PetPlan, 2017.

Our Policies

We have two policy options to choose from offering coverage for accidents, illnesses, and routine wellness.

Plus, you can select the right reimbursement payout, deductible, and annual maximum for your needs and budget.

Accident & Injury

  • Accidental Injuries (Including to permanent teeth)
  • Behavioral Treatment
  • Alternative Medicine
  • Hereditary & Congenital Conditions
  • Illnesses ( cancer, influenza, & kennel cough)
  • Accidental Death
  • Ingestion Of A Foreign Object
  • Euthanasia or Anesthesia
  • Cremation & Burial Expenses

Accident, Injury & Wellness

  • Everything covered under the Accident & Illness policy, plus fixed payment amounts for the following (not subject to deductible and annual maximum):
  • Wellness Exams
  • Intestinal Deworming
  • Routine Dental Cleaning
  • Flea & Tick Prevention
  • Heartworm Tests & Medication
  • Dietary Food & Supplements
  • Prescription Medications
  • Boosters & Vaccinations

Protect Your Four Legged Family Member With Pet Insurance

Contact A Trusted Insurance Agency

Insurance can be complicated, but that's why we are here to help. With 100 years of experience in the insurance industry we can answer all of your questions.

Find The Right Coverage For You

Based on your specific needs and your pet's unique circumstances, Torian will help customize your pet insurance policy.

Get Protected & Rest Easy

Your pet is family and you shouldn't have to worry about vet bills if unfortunate events occur. Rest easy knowing your pet is covered.

Get An Instant Quote

We pride ourselves in offering the best insurance coverage and services throughout Southern Indiana.

You can rest easy with Torian. As independent Insurance agents, we work for YOU, not the insurance companies! Our expert staff has your best interest at heart which means providing the best coverage.

Variety Of Insurance Policies

We offer a variety of policies to find the perfect one for YOU!

Peace Of Mind

You'll have peace of mind knowing that your pet is protected in case of an emergency.

Trusted Partner

If something happens, our team will be there with you every step of the way.

Bundled Discounts

Bundle discounts save you time and money on all of your insurance needs.

Pet Insurance FAQs

Pet insurance is a type of insurance policy that covers the healthcare costs of your pets. Like health insurance for humans, pet insurance policies usually offer different levels of coverage, deductibles, and premiums. Depending on the policy, pet insurance can cover a range of expenses including routine check-ups, vaccinations, surgery, and emergency visits. Some policies may also cover alternative therapies and treatments, such as acupuncture or physical therapy.

Pet insurance can provide financial assistance when unexpected veterinary costs arise, which can be quite expensive. Like medical insurance for humans, pet insurance covers a portion or all of the costs for necessary medical treatments, surgeries, and medications. This can save an owner a lot of money and prevent a difficult decision of whether to provide treatment or not due to the high cost.

Pet insurance works similar to human health insurance in that you pay premiums, and the insurer covers a portion of your veterinary bills after meeting a deductible. However, the main difference is the medical expenses are billed first to you and then insurance reimburses you.

Policies cover a wide variety of medical expenses, including:

  • Accidental injuries (including to permanent teeth)
  • Euthanasia or anesthesia
  • Cremation and burial expenses
  • Ingestion of a foreign object (up to two treatments max per policy year)
  • Accidental death
  • Illnesses (e.g., cancer, influenza, and kennel cough)
  • Alternative medicine
  • Behavioral therapy
  • Hereditary and congenital conditions

Here are some common exclusions and limitations to be aware of:

  • Pre-existing conditions
  • Waiting periods

In general, pre-existing conditions are not covered by pet insurance policies. A pre-existing condition is an illness, injury, or medical condition that your pet had before the insurance coverage started or during a waiting period. Since pet insurance is designed to provide coverage for unexpected future incidents and illnesses, it typically excludes pre-existing conditions from coverage.

Yes you can choose any licensed veterinarian, specialist, or emergency clinic. However, it’s essential to carefully review the terms and conditions of your specific pet insurance policy to confirm this information.

YES! You can choose your reimbursement options, deductible, and annual coverage limits based on your needs and budget.

Pet insurance is relatively common, and a significant number of pet owners choose to enroll their pets in insurance plans.

All policies are subject to a 14 day waiting period.

We just love working with Torian! Everyone is so wonderful and helpful. We have had excellent guidance, explanations, and recommendations for all of our insurance needs. We completely trust Torian and never have to worry about a thing. Thank you!

I am confident Torian is looking out for my best interest. I don’t worry about when or if something will happen because I know I have the best coverage I can get and at the best cost. Thank you Torian for the great service you offer.

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