Pet Insurance
CMSU offers voluntary pet insurance through Wishbone Pet Health Insurance. Pet health insurance is an insurance policy that covers the cost of veterinary care if your pet experiences an accident or illness. Wishbone also offers optional routine care plans that you may add on to your policy that covers preventive services such as dental cleaning, vaccinations, and blood work.
About the Plan
After you pay a $250 annual deductible, the plan reimburses you 90% of veterinary care expenses for accidents and illnesses, up to a $25,000 annual maximum.
The plan also includes:
- 24/7 pet telehealth
- Lost pet recovery service
- Short waiting periods
- Easy-to-use member account
Your choice of veterinarian
When your pet is insured with Wishbone, you can use any licensed veterinarian in the US, Canada, or any region under US government control, such as territories or military bases in foreign countries.
Wishbone has no network, no schedule of benefits and no pre-authorization procedures, and the plan covers visits to specialists and emergency after-hours clinics.
AskVet
AskVet is a 24/7 pet telehealth service included in your Wishbone policy that gives you direct access to a veterinarian via live chat when your regular veterinarian isn't available.
While AskVet cannot provide a diagnosis or prescribe medication, they can answer your questions and help you decide the best course of action or learn more about managing your pet’s existing condition.
To access AskVet, log in to your Wishbone member account and request a chat with an AskVet Veterinarian.
ThePetTag
ThePetTag is a lost pet recovery service included in your Wishbone policy that provides your pets with a durable ID tag that’s directly linked to your contact information.
Once your Wishbone policy is created, your pets are automatically enrolled in ThePetTag. It will take approximately two weeks for your pet’s tag to arrive at your mailing address. Attach the tag to your pet’s collar and if your pet ever goes missing, the finder can scan your pet’s ID tag from their smart phone to access the contact information that you provided. You can add additional emergency pet contact information in your Wishbone account.
What's not covered
Pet insurance, as with all insurance, is for unexpected accidents and illnesses. Unfortunately pet insurance does not cover pre-existing conditions. However, getting coverage for your pet will cover most future accidents and illnesses should something happen.
Waiting period
A waiting period refers to the amount of time after your start date before coverage is provided.
Accidents have a three-day waiting period and illnesses have a 14-day waiting period. There is a six-month waiting period for cruciate ligament events and any related conditions. Routine care coverage (available as an optional add-on) has no waiting period and can be used on your policy effective date.
Eligibility and Enrollment
You may enroll your dog or cat starting at seven weeks old. Like children, young dogs and cats have the highest risk of accidents.
To learn more, get a quote, and enroll in the program, visit the Wishbone website.
Filing Claims
The easiest and fastest way to file a claim is through your Wishbone member account. Once you login, you can submit and view your claims. Be sure to submit a completed claim form and supporting paid invoices within 180 days of the treatment date.
Your claim will be processed within five business days. Wishbone will send you a paper check within two weeks after you file your claim.
For more information
Read Wishbone's benefit summary
Read Wishbone's FAQs