Pet Insurance

Pet Insurance


Smart decision.

Low monthly premium.

Huge long-term savings.

It’s much more fun to spend your money on toys for your furry friends, not vet bills and pills.

Use any vet!

Comprehensive coverage.

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Murphy, our agency mascot

Murphy, our agency mascot

About Our Pet Insurance

Pet Insurance saves you money and brings you peace of mind. It allows you to focus on your furry friends in their time of need.

Our pet insurance for dogs and cats is provided by Safeco which has partnered with Hartville Pet Insurance program, one of the oldest and largest pet insurance providers in the U.S.

Each type of coverage includes exam fees, diagnostics, and treatment. We even cover the most advanced treatments, like chemotherapy and surgery, and some you may not expect, such as stem-cell therapy and acupuncture, so you can follow your vet’s recommendations with less worry about cost.

All plans have monthly payment options available to help make them affordable. Also, compared with paying for expensive pet care, pet insurance offered through Safeco is more than worth the price.

This plan is designed with a range of policy options that best suits your needs.

To find out more, please call Corina, our Pet Insurance expert, on (619) 297-5888 Ext. 304

How Does The Process Work?

  1. Take your pet for treatment. Visit any vet, specialist or emergency clinic you like.

  2. Pay your vet bill.

  3. Submit a claim to get reimbursed, online, by mail, or by fax.

  4. Receive reimbursement through direct deposit or mail.

All you need to call us for a Free Quote:

  • Zip Code

  • Dog or Cat

  • Breed

  • Age

  • Gender

Coverages Available:

  • Accidents / Injury

  • Illnesses

  • Hospitalization

  • Rx Medications

  • Emergency Visits

  • Surgery

  • Vaccinations

  • Annual Physicals

  • Flea Prevention

  • Dental Trauma

  • Some Alternative Therapies

  • Medical Imaging

  • And Much More


Accident coverage will take care of costs for injuries and emergencies related to accidents, like torn ligaments, bite wounds, cuts, broken bones, lodged foreign objects, and toxic ingestions.


With illness coverage, you’ll be reimbursed for the costs of major and minor illnesses, such as cancer, arthritis, allergies, hypothyroidism, digestive problems, and UTIs.

Hereditary and Congenital Conditions

This coverage is for the costs of inherited conditions and birth defects that don’t show symptoms until later in your pet’s life, like heart disease, IVDD, eye disorders, and hip dysplasia.

Behavioral Issues

Behavioral issues coverage can help with the costs of vet visits for concerning behaviors that may be related to anxiety or compulsive behavior, like excessive licking, fur pulling, and destruction of the home.


What is pet insurance offered through Safeco?

This is a comprehensive pet health and accident insurance policy at a competitive price for Safeco customers. These are 12-month policies that are underwritten and serviced by Hartville Pet Insurance.

What’s not covered?

  • Pre-Existing Conditions

  • Cosmetic Procedures

  • Breeding Costs

Be sure to review the SafecoNow pet insurance page and ask questions for full details.

Where will my pet insurance be accepted?

Your insurance can be used for treatment at any veterinary clinic in the U.S. or Canada, including treatment from specialists and emergency care facilities.

How much will I be reimbursed?

Reimbursement is up to 90, 80, or 70% of your vet bill, depending on the reimbursement percentage you selected when you bought the policy.

How will I receive my reimbursements?

You can have reimbursements directly deposited into your bank account or receive them as checks in the mail.

How long does it take to get reimbursed?

Hartville works hard to process your claims and reimburse you as quickly as possible. On average, it takes 14-16 business days to completely process a claim.

How does the deductible work?

You can choose a deductible of $100, $250 or $500. The deductible is annual, so after you meet the deductible amount you select, you won’t have to satisfy it again until your next 12-month plan period.

You do not have to satisfy your deductible before you can be reimbursed for preventive care if you add preventive coverage to your plan.

Who is Hartville Pet Insurance Group?

Hartville Pet Insurance Group is one of the oldest and largest pet insurance providers in the U.S. since 1997. The Hartville brand is trusted by Liberty Mutual and Safeco. Hartville offers a well-designed coverage plan that helps pet owners save money on their veterinary bills.

Who do I contact if I have questions and / or claims?

For general questions about the Safeco program, email Safeco Innovation at For questions about the policy and / or claims call Hartville at 1-855-290-8494.

Can I have more than one pet on my account?

Yes. You can enroll multiple pets at one time or add pets later. Every pet will have an individual policy and premium. You’ll get a 10% discount on the base plan premium for each additional pet you insure with us.

How will I be billed?

You can choose to be billed monthly, quarterly, semi-annually, or annually. Payment will be due on the day of the month that your plan became effective. No matter which billing frequency you select, payments can be made online or through automatic bill pay with your checking account.

What happens to my pet’s coverage as they get older?

We will never cancel or downgrade your pet’s coverage because of age or health. You will see an increase in your premium as your pet gets older.

Why Choose JS Downey?

We love our pets too. We began offering pet insurance because it’s a growing need we hear often.

We chose to partner with Safeco and Hartville because they’ve both been around a long time, they’re trusted, and they put customer needs front and center.

Email or call us with any other questions. Enrollment is fast and easy.