Pet Insurance That Protects Every Paw Step

Protection for the Pets Who Feel Like Family

Your pet is more than just an animal, they’re part of your life, your home, and your heart. At the Harry O. Culp Insurance Agency, we offer pet insurance that helps you care for your four-legged family members without the stress of unexpected vet bills.

Whether you have a playful puppy, a curious kitten, or a senior dog or cat, we can help you find coverage that supports their health through every stage of life. We work with providers who specialize in affordable, flexible pet insurance plans, so you can choose the right level of protection for your needs and your budget.

Pet insurance is a simple way to make sure you’re prepared for the "what ifs.” From sudden illnesses to accidents, surgeries, and prescriptions. With the right plan, you can focus on getting your pet the care they need, not worrying about the cost.

Why Pet Insurance Matters

Even routine vet care can add up over time, and emergencies can be costly. Pet insurance gives you financial support when you need it most, so you’re never forced to choose between your pet’s health and your bank account.

Some of the most common reasons people use pet insurance include:

• Emergency vet visits

• Surgeries or hospitalization

• Cancer treatments or chronic conditions

• Prescriptions and follow-up care

• Dental procedures

• Accidental injuries

• Unexpected illnesses

Many plans also include optional wellness coverage that helps cover annual checkups, vaccines, heartworm prevention, and routine tests.

What Pet Insurance Covers

Coverage can vary by provider, but most pet insurance plans offer a combination of the following:

• Accident & Injury Coverage: Help with costs after unexpected injuries, such as broken bones, cuts, or swallowed objects.

• Illness Coverage: Support for diagnosing and treating conditions like infections, allergies, or more serious diseases.

• Chronic Condition Support: Ongoing help with long-term conditions like diabetes, arthritis, or skin disorders.

• Prescription Medications: Reimbursement for medications prescribed by your vet.

• Emergency & Specialist Care: Access to specialty care and emergency clinics when needed.

• Wellness & Preventive Care (optional): Coverage for checkups, vaccines, and preventive treatments.

• Dental Care (optional): Coverage for cleanings, extractions, and dental illness.

Most plans are structured with an annual deductible, a reimbursement rate, and a maximum benefit limit. We’ll help you compare these features and choose a plan that fits the age, breed, and health needs of your pet.

Who Can Enroll?

Pet insurance is typically available for both dogs and cats, with most plans allowing enrollment from 6–8 weeks old. Some providers even cover older pets, though options may vary based on age or pre-existing conditions.

We’ll help you understand what’s available based on your pet’s age, health history, and your long-term care goals.

Why Work with the Harry O. Culp Insurance Agency

As a locally owned, independent agency, we care about the people and pets we serve. We’ve partnered with trusted providers like Figo Pet Insurance to give our clients access to high-quality, affordable pet coverage backed by great service.

When you work with us, you’ll get more than just a quote. You’ll get personal guidance, a clear explanation of your options, and help finding the right fit for your family.

Whether you’re welcoming a new puppy or preparing for your pet’s senior years, we’re here to help you protect their health and your peace of mind.