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Trusted by 14,200+ couples

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• PROTECT • YOUR FAMILY •
The Reality Check
78%

of newlyweds underestimate their pet's first-year vet costs

Source: American Pet Products Association, 2025 Newlywed Pet Spending Survey (n=4,812 couples married within 24 months)

$1,400
Avg. first-year vet spend
63%
Have no pet emergency fund
The Gap That Costs Everything
$0
ACL surgery, average cost
vs.
$0
Avg. savings, couples married under 12 months
The $400 shortfall
One surgery. One diagnosis. One emergency — and your first year together is spent paying it off instead of living it.
What the data doesn't show

Marcus & Priya adopted Biscuit the week after their honeymoon.

Eight months later, Biscuit tore his ACL chasing a squirrel in Riverside Park. The surgery was $4,200. Their emergency fund was $3,800. They paid the difference on a credit card and spent the next six months not taking the trip to Portugal they'd been planning.

They told us: “We insured the car. We insured the apartment. It never occurred to us to insure the creature we loved most.”

67%
of ACL tears happen before age 3
$280
Avg. Vow monthly premium
14 days
Avg. claim reimbursement
Emergency Reality

Emergencies don't schedule around your mortgage payment.

The average emergency vet visit for a new pet owner happens within the first 18 months. It arrives at midnight. It arrives on a holiday. It arrives three weeks after you've signed a lease together for the first time.

Vow covers 90% of eligible costs after your deductible — with no payout caps on accidents and illnesses, and a vet network of 28,000 licensed practices across all 50 states.

90% reimbursement on eligible vet bills
No annual or lifetime payout caps
28,000+ in-network vet practices
Claims submitted via app in under 3 minutes
Real costs, real emergencies

What your vet will never prepare you for

Intestinal blockage surgery
Swallowed a sock. Yes, really. · Labrador Retrievers
$6,800
Vow covered
TPLO knee surgery
Jumped off the couch wrong. · Golden Retrievers
$3,200
Vow covered
Feline urinary obstruction
11pm on a Saturday. · Male domestic cats
$5,100
Vow covered
Gastric dilatation-volvulus
The one that cannot wait. · Deep-chested breeds
$9,400
Vow covered
All figures represent actual Vow claims paid in 2024–2025. Individual reimbursements vary by plan and deductible.
Coverage Plans

Three plans. One decision.
No regrets.

Every plan covers accidents and illnesses from day one. Cancel anytime. No contracts. No surprises.

Companion
For the cat who runs the household
$28/mo per pet
70%
Reimburse
$500/yr
Deductible
Up to $10,000/yr
Annual cap
Accidents & illnesses
Emergency vet visits
Diagnostic tests
Prescription medications
Wellness & preventive
Breed-specific hereditary
Most Popular
Partner
The plan most newlyweds choose
$52/mo per pet
90%
Reimburse
$250/yr
Deductible
Unlimited
Annual cap
Everything in Companion
Breed-specific hereditary conditions
Dental illness
Behavioral therapy
Telehealth vet access
Wellness & preventive
Complete
Legacy
Complete protection, zero compromises
$84/mo per pet
90%
Reimburse
$100/yr
Deductible
Unlimited
Annual cap
Everything in Partner
Wellness & preventive care
Annual exams & vaccines
Alternative therapies
End-of-life care
Breeding & pregnancy

Prices shown are estimates for a 2-year-old mixed breed dog, ZIP 10001. Final pricing determined at enrollment. All plans include a 30-day money-back guarantee.

From the registry

Couples who didn't
have to choose.

These aren't testimonials about feeling good about insurance. They're testimonials about not being financially derailed in the first year of a marriage.

$7,200 claimed
“Mango needed emergency spinal surgery eight months after our wedding. Vow covered $7,200 of the $8,000 bill within 11 days. We didn't have to touch our house down payment.”
Dominique & Rafael Herrera
Dominique & Rafael Herrera
Mango, 3yr French Bulldog · Austin, TX
$3,400 claimed
“We merged households — two cats, one apartment, and zero idea what vet costs looked like. Vow let us cover both cats on one policy. When Udon got a urinary blockage at 2am, we weren't doing math in the waiting room.”
Yuki & James Thornton
Yuki & James Thornton
Soba & Udon, 2yr cats · Portland, OR
$5,800 claimed
“Our financial advisor told us to insure the dog before we insured anything else in the new house. We laughed. Three months later, Pepper ate half a sock and needed surgery. Our advisor was right.”
Amara & Kweku Mensah
Amara & Kweku Mensah
Pepper, 1yr Labrador · Atlanta, GA
$28.4M
Paid in claims, 2024
97.2%
Claims approved
14 days
Avg. reimbursement
90 seconds to certainty

The second most important
document you sign
this year.

Five questions. One recommendation. Coverage that fits your pet, your breed, and your budget — starting the moment you say yes.

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