American Modern Pet Insurance plans cover all that you expect: accidents, illnesses, diagnostic tests, surgery and more.


You can customize a full coverage plan that meets your needs. A full coverage plan means that all accidents and illnesses are covered, except those that are pre-existing. You also have the option of adding Wellness Coverage so that routine care items, such as general check ups, vaccinations and flea, tick and heartworm medications, are covered.

American Modern Pet Insurance Covers:

  • Accidents & Illnesses
  • Genetic & Breed-specific Conditions
  • Wellness & Routine Care (optional coverage)
  • Cancer Treatment
  • Chronic Conditions
  • Alternative Therapies & Rehab
  • Diagnostic testing and imaging (e.g. X-ray, ultrasound, MRI)
  • ER & specialist care
  • Medication (optional coverage)
  • Dental care (optional coverage)
  • Vet exam fees (some companies do not cover this)