All lines of coverage

Pet

The cross-sell every household already wants to buy.

Accident and illness cover for dogs and cats.

Cennairus is a licensed wholesale insurance broker: retail agents send us the accounts their own markets cannot place, stay the agent of record, and we take each account to the markets on our panel of 145 carriers that write it. Pet insurance reimburses part of the veterinary bill after an accident or illness for dogs and cats, up to the plan’s annual limit after the deductible and coinsurance. Pre-existing conditions and elective or routine care are standard exclusions. It is the cross-sell most households already want to buy. Cennairus shops it across the panel.

  • Parallelevery market with appetite, at once
  • Peoplea licensed broker works it
  • Yoursyou keep the client
  • Monthlycommission settled

Start a quote

Pet Insurance

A few fields — we shop it across the panel and come back with real terms. No obligation.

Photo: Tima Miroshnichenko / Pexels

Get started Quote now
Why send it here

What you get

Dogs and cats

The two species behind almost every household pet claim, written on one simple form.

Accident and illness, not just accident

The real cost of pet ownership is chronic and age-related illness, not the emergency visit — a policy that only covers accidents misses most of the claim.

No separate intake

Offered against a client already in the file for home or auto — a short conversation, not a new application process.

Paid to the same wallet

Small premiums, but the commission lands in the same place as every other policy on the account.

Quote now

How it works

How do I quote pet insurance through Cennairus?

01

Offered from the same record

Quoted against a client already in the platform — no new intake.

02

Accident and illness

Both the emergency and the chronic condition, which is where the real cost sits.

03

Paid to the same wallet

Small commissions that still land in the same place as everything else.

Quote now

Worth knowing

What does a pet policy not cover?

  • The bite itself If the pet injures someone or damages property, that liability claim sits on the owner’s homeowners or renters policy, not the pet’s own health plan.
  • A claim big enough to exceed that limit A serious injury claim can exceed a standard homeowners liability limit.
  • Boarding, walking or breeding for pay The moment a client cares for other people’s pets, or breeds animals, commercially, that’s a business exposure — a Business Owner’s Policy questio.
  • Kennel costs when a trip goes wrong Some travel insurance plans add a limited pet-care benefit if a trip is disrupted.

Quote now

In plain terms

What does pet insurance cover?

  • A pet policy reimburses a portion of veterinary costs after an accident or illness — a broken bone, a swallowed object, an infection, cancer, a chronic condition.
  • Coverage splits into two tiers that matter for what gets sold.
  • What every plan excludes matters as much as what it includes: conditions that existed before the policy started, and elective or routine care, are standard exclusions.

Who buys it: dog owners, any breed or age; cat owners, indoor or outdoor; multi-pet households; clients with a breed prone to hereditary conditions; clients already asking about vet costs; households already on file for home or auto.

The visit that started as a routine checkup and ended as a diagnosis — that’s the moment a pet policy is bought for, not the moment it’s usually sold.

Questions we get

Pet, answered

Are pre-existing conditions covered?

No — this is close to universal in pet insurance.

How does the reimbursement actually work?

The client pays the veterinary invoice directly, submits it, and is reimbursed up to the plan’s annual limit after the deductible and the coinsurance percentage are applied.

Does the premium go up as the pet ages?

Generally yes.

What does a pet plan get priced on?

Species, breed, age and ZIP code covers most plans.

Quote now

Cennairus

Get a quote on Pet Insurance today.

One appointment puts the whole panel behind your agency: every line we place, the programs, the producers who work the hard accounts, and your commission settled to your.