Guides
Three guides that carry the whole site: how the pre-existing machinery works, when a switch is actually safe, and the evidence log that decides claims before they're filed.
Lookbacks, cure windows, waiting periods, bilateral rules, and carve-outs — the five mechanisms that decide what a policy pays for, in plain words.
The safe order — written confirmation, bind second, cancel last — and how waiting periods and cure clocks overlap when you change carriers.
Claims are decided by dates in vet records. The log structure — symptom dates, treatment dates, sides, invoices, records requests — that keeps your pet's history accurate and usable.
Run your own pet's dates. The free Switch-Check takes your pet's conditions and their last symptom/treatment dates — and returns the per-carrier verdicts, the re-open dates, your earliest safe switch date, and the stay-or-switch math. Run the Switch-Check →