PetsOnMe Pet Insurance — Classic Plan

The Classic Plan is PetsOnMe's accident and illness tier, covering dogs and cats to $10,000 a year at 80% reimbursement — including hereditary conditions after a 180-day waiting period. Entry runs from six weeks to nine years, with illness claims opening after 21 days. Consultation fees are capped at $80 for standard visits and $200 for specialists, and ongoing conditions remain locked to the limits of the year they first presented. Pacific International underwrites the product, with a 5% multi-pet discount available.