Terms of use

Informational only — not insurance, financial, or medical advice

BreedCovered publishes modeled premium bands, normalized policy mechanics, and editorial opinion about pet insurance products. This content is informational only: it is not insurance advice, financial advice, or a recommendation to buy or decline any policy. We are not an insurer, insurance agent, or broker, and we do not sell, solicit, or negotiate insurance. Policy documents govern — the terms of any policy you purchase are set exclusively by the insurer's policy documents and applicable state filings, which change and vary.

Nothing on this site is veterinary or medical advice. Conditions are discussed only as coverage-mechanics framing. Questions about your pet's health belong with your veterinarian.

Bands, not quotes

Premium figures are typical published bands with documented modeling — they are not quotes, offers, or guarantees of price. Only insurers can quote your pet.

No warranties

Content is provided "as is" without warranty of any kind. Published menus, waiting periods, and bands change; confirm all details with the insurer before purchasing.

Compensation

BreedCovered is a free service that matches pet owners with insurance providers. We may be compensated by those providers for quote referrals, and your request may be shared with them when you request quotes — at no cost to you. See how we're funded.

Intellectual property

The BCScore name, the band and mechanics database compilations, and site content are owned by BreedCovered. You may quote brief excerpts with attribution and a link; bulk scraping or republication of the databases is prohibited.

Liability

To the maximum extent permitted by law, BreedCovered is not liable for damages arising from use of this site or reliance on its estimates or comparisons.