Wishbone Pet Insurance is accident-and-illness coverage for dogs and cats, offered by Pet Assure Corp. (dba Pet Benefit Solutions), usually through your employer as a voluntary benefit. Its newer Wishbone Advantage plan starts around $9/month and adds a 25% in-network discount via the Pet Assure vet network. It has no upper age limit, includes 24/7 AskVet telehealth, and you manage everything through an online member account. To reach Customer Care, call 800-887-5708. Like all pet insurance, it excludes pre-existing conditions and has waiting periods.
Key Facts about Wishbone Pet Insurance
| Detail | Wishbone Pet Insurance |
|---|---|
| What it is | Accident-and-illness pet insurance, often an employee benefit |
| Offered by | Pet Assure Corp., dba Pet Benefit Solutions (NJ license 1677880) |
| Underwriters (vary by state) | Clear Blue, Trisura, Everspan, Providence Washington |
| Claims administrator | PrimeOne Insurance Co. (third-party) |
| Pets covered | Dogs and cats, no upper age limit |
| Advantage plan starting price | ~$9/month |
| In-network discount | 25% via the Pet Assure veterinary network |
| Telehealth | 24/7 AskVet, included |
| Customer service | 800-887-5708 · help@wishboneinsurance.com |
| Manage account | Online member portal (no prominent standalone app) |
| Pre-existing conditions | Not covered; waiting periods apply |
The plan you may only be able to get through work
Wishbone is a bit different from the insurers you can sign up for off any website. It’s most commonly offered as a voluntary employee benefit, the way your job might offer dental or vision, though you can also get a quote and enroll directly at wishboneinsurance.com. So the first practical question is simply whether it’s on your benefits menu or a good fit for direct purchase.
Either way, the things people actually search for are concrete: what it costs, how claims work, how to log in, whether there’s an app, how to cancel, who owns it, and whether it’s worth it. This review answers each of those plainly, with the details verified from Wishbone’s own documentation.
What is Wishbone Pet Insurance, and who owns it?
Let’s start with the ownership question, because it comes up a lot and most reviews get it fuzzy. Wishbone Pet Insurance is a pet health insurance program offered by Pet Assure Corp., doing business as Pet Benefit Solutions, a licensed agency (NJ License Number 1677880). That parentage matters, because Pet Assure also runs the veterinary discount network that powers Wishbone’s in-network savings, which we’ll get to.
The coverage itself is administered by Pet Benefit Solutions or Norse Specialty Insurance Company and underwritten by a panel of carriers that varies by state, including Clear Blue Insurance Company, Clear Blue Specialty, Trisura Insurance Company, Everspan Insurance Company, and Providence Washington Insurance Company. Claims are handled by a third-party administrator, PrimeOne Insurance Co. The takeaway: “who underwrites Wishbone” doesn’t have one answer; it depends on your state, so check your own policy’s declarations page for the carrier behind your specific plan.
What does Wishbone cover?
Wishbone offers accident-and-illness coverage for dogs and cats, helping with unexpected veterinary costs like diagnostics, surgery, hospitalization, emergency care, prescriptions, and hereditary and congenital conditions. You can enroll in accident-and-illness coverage, separate wellness (routine care) coverage, or both. As with every pet insurer, pre-existing conditions are not covered.
A genuinely strong point: Wishbone plans have no upper age limit, so a senior dog or cat gets the same access as a puppy or kitten, which isn’t true everywhere. Every policy also includes AskVet, a 24/7 telehealth service you reach through your member account to chat with a veterinarian (it doesn’t diagnose or prescribe, but it’s handy for “is this urgent?” moments).
Wishbone Advantage: the in-network discount plan
The standout in Wishbone’s lineup is Wishbone Advantage, which pairs accident-and-illness insurance with the Pet Assure veterinary network. Its headline feature is an instant 25% discount on eligible in-house medical services at in-network vets, applied right at checkout on things like exams, vaccines, bloodwork, surgery, and microchipping.
Why this is unusual: that 25% discount applies even to services for pre-existing conditions and older pets, which insurance itself won’t cover. So it’s one of the few mechanisms in pet coverage that helps with conditions insurance excludes. A few honest limits: the discount excludes prescriptions, food and flea products sent home, outsourced lab work, and non-medical services like grooming or boarding, and you can’t stack it with other vet discounts. Wishbone Advantage works with clinics across the US, Canada, and US territories, including emergency and specialty hospitals, and you can save in-network vets in your member portal after enrolling.
How much does Wishbone cost?
Pricing depends on your pet’s age, breed, and location, like all pet insurance, so there’s no single number. As a benchmark, Wishbone states its Advantage accident-and-illness plan starts at around $9 per month. Because it’s frequently offered as a group employee benefit, the rates can come in lower than retail in some cases, and enrolling more than one pet earns an additional 5% multi-pet discount.
The honest move is to run an actual quote, either through your benefits portal or at wishboneinsurance.com, and compare the real premium, reimbursement rate, and annual limit against a direct-to-consumer insurer like Lemonade or Pets Best before assuming Wishbone wins on price.
Wishbone waiting periods
This is a common search, and the answer is: yes, Wishbone has waiting periods, and they’re not one-size-fits-all. Waiting periods for accidents, illnesses, and orthopedic, congenital, and hereditary conditions differ by state, coverage type, enrollment date, and occasionally by underwriter. Wishbone publishes waiting periods by state, and you can view them before buying or in your policy documents after.
Two specifics worth knowing. First, routine care (wellness) coverage has no waiting period and begins the day after your first payment is processed. Second, with policies underwritten by Trisura in California, Maine, Mississippi, and Missouri, your waiting periods may be waived or reduced if a participating veterinarian certifies your pet’s health before you purchase. Important caveat: any condition, diagnosis, or treatment that appears during a waiting period is treated as pre-existing and won’t be covered, which is the usual industry rule.
How to file a Wishbone claim
Claims are straightforward and run through your online member account. Once you log in, you can submit and view claims and sign up for direct deposit. Submit a completed claim form with your paid vet invoices within 180 days of the treatment date, which is more generous than the 90-day window some insurers use.
After filing, expect reimbursement by mailed check, or by direct deposit if you’ve enrolled for it in your account. The process is designed to be quick, and keeping copies of everything you submit is always smart.
Login, customer service, and is there an app?
A cluster of common searches, answered together. You manage Wishbone through your online member account at wishboneinsurance.com, where you log in to file and track claims, set up direct deposit, chat with AskVet, and save in-network vets. Wishbone runs through this web-based member portal rather than a prominent standalone mobile app, so if you’re hunting the app stores, that’s why you may not find a heavily promoted Wishbone app; the portal is the hub.
For help, the Customer Care team is reachable at 800-887-5708, by email at help@wishboneinsurance.com, or through the contact form on the website. That same line is the right place to ask about your specific waiting periods, coverage details, or billing.
How to cancel Wishbone Pet Insurance
People search this a lot, so here’s the clear version. You can cancel anytime through your online account or by contacting Customer Care (phone, email, or the online form). If you cancel within a designated window, typically 10 to 30 days depending on your state and payment method, and you haven’t filed a claim, you may be eligible for a full refund.
The wellness plan works a little differently: you generally can’t cancel a Wishbone Wellness plan mid-term unless your pet passes away (which requires a death certificate or signed vet verification), but if you cancel within 30 days without filing a claim, you get a 100% refund, unless the plan is paid through employer payroll. That 30-day refund window resets each year on your renewal date. As always, confirm the rules for your state and payment method before canceling.
Wishbone reviews: is it worth it?
Here’s an honest note on reputation. Because Wishbone is largely an employer-channel and affinity product rather than a mass-market direct brand, it has a smaller public review footprint than household names, so you’ll find fewer third-party star ratings to lean on. That means you should judge it on what it actually offers rather than on review volume.
On the merits, Wishbone is worth a serious look if it’s on your benefits menu or fits your situation: no upper age limit, included AskVet telehealth, a generous 180-day claim window, and the Wishbone Advantage in-network discount that uniquely helps with pre-existing conditions and older pets. Where to be cautious: it isn’t automatically cheaper or broader than a strong direct insurer, the underwriter behind your plan varies by state, and the experience runs through a web portal rather than a slick app. For an older pet, or for someone who values the in-network discount, it’s genuinely compelling. For a young, healthy pet where you mainly want the lowest premium, compare it head-to-head with direct insurers first.
The Honest Read
Wishbone’s biggest strength and biggest quirk are the same: it’s built around an employer/affinity model and the Pet Assure network. That gives it real advantages, the no-age-limit coverage, AskVet, and especially the Advantage in-network discount that reaches pre-existing conditions and senior pets, which almost nothing else does. The trade-offs are honest ones: a multi-carrier underwriting setup that varies by state, waiting periods like any insurer, a web portal instead of a standout app, and a thinner public review record. My take: if you can get it and you have an older pet, the Advantage plan is a standout. If you’re shopping purely on price for a young pet, get a Wishbone quote but compare it against Lemonade and Pets Best before deciding.
Conclusion
Wishbone Pet Insurance is a flexible, no-upper-age-limit plan for dogs and cats from Pet Assure Corp. (dba Pet Benefit Solutions), with the Advantage plan and its 25% Pet Assure in-network discount as the real draw, starting around $9 a month. Manage it through your online member account, reach Customer Care at 800-887-5708, mind the state-specific waiting periods, and know you can cancel anytime (with refund windows that depend on your state and payment method). Get a quote, compare it to direct insurers, and it’s well worth considering, especially for older pets.
FAQs
What is Wishbone Pet Insurance?
Wishbone is accident-and-illness pet insurance for dogs and cats, offered by Pet Assure Corp. (dba Pet Benefit Solutions), often as an employee benefit but also available directly. It covers unexpected vet costs, has no upper age limit, and includes 24/7 AskVet telehealth.
Who owns Wishbone Pet Insurance?
Wishbone is offered by Pet Assure Corp., doing business as Pet Benefit Solutions, a licensed agency. Pet Assure also runs the veterinary discount network behind Wishbone Advantage’s in-network savings.
Who underwrites Wishbone Pet Insurance?
A panel of carriers that varies by state, including Clear Blue Insurance Company, Clear Blue Specialty, Trisura, Everspan, and Providence Washington. Claims are handled by a third-party administrator, PrimeOne Insurance Co. Check your declarations page for your plan’s carrier.
How much does Wishbone Pet Insurance cost?
It depends on your pet’s age, breed, and location. As a benchmark, the Wishbone Advantage accident-and-illness plan starts at around $9 per month, and enrolling more than one pet earns a 5% multi-pet discount.
What is the Wishbone phone number?
Wishbone’s Customer Care team can be reached at 800-887-5708, by email at help@wishboneinsurance.com, or through the contact form on wishboneinsurance.com.
How do I log in to my Wishbone account?
Log in to your member account at wishboneinsurance.com. From there you can file and track claims, set up direct deposit, chat with AskVet, and save in-network vets.
Is there a Wishbone Pet Insurance app?
Wishbone is managed through a web-based online member portal rather than a prominent standalone mobile app. You handle claims and account tasks through your member account on the website.
What is the Wishbone waiting period?
Waiting periods for accidents, illnesses, and orthopedic, congenital, and hereditary conditions vary by state, coverage type, enrollment date, and underwriter. Routine wellness care has no waiting period. Anything diagnosed during a waiting period is treated as pre-existing.
Does Wishbone cover pre-existing conditions?
The insurance itself does not. However, the Wishbone Advantage plan’s 25% in-network discount can apply to in-house services even for pre-existing conditions and older pets, which is unusual.
What is Wishbone Advantage?
Wishbone Advantage pairs accident-and-illness insurance with the Pet Assure vet network, offering an instant 25% discount on eligible in-house services at in-network clinics across the US, Canada, and US territories, including emergency and specialty hospitals.
How do I cancel Wishbone Pet Insurance?
Cancel anytime through your online account or by contacting Customer Care. If you cancel within a 10-to-30-day window (depending on your state and payment method) without filing a claim, you may receive a full refund.
Can I get a refund if I cancel Wishbone?
Possibly. Canceling within the designated window without a claim may earn a full refund. For the wellness plan, canceling within 30 days without a claim gives a 100% refund (unless paid via employer payroll), and that window resets each renewal.
How do I file a Wishbone claim?
Log in to your member account, submit a completed claim form with your paid vet invoices within 180 days of treatment, and choose mailed check or direct deposit for reimbursement.
Is Wishbone Pet Insurance worth it?
It can be, especially for older pets, thanks to no upper age limit, AskVet telehealth, a 180-day claim window, and the Advantage in-network discount that even helps with pre-existing conditions. Compare a quote against direct insurers like Lemonade or Pets Best before deciding.
Does Wishbone have an upper age limit?
No. Wishbone plans have no upper age limit, so senior dogs and cats get the same coverage access as puppies and kittens.
Does Wishbone include telehealth?
Yes. Every Wishbone policy includes 24/7 AskVet telehealth, which you access through your member account to chat with a veterinarian for guidance.
Can I use any vet with Wishbone?
Yes for the base coverage. The Wishbone Advantage in-network discount specifically requires a Pet Assure network vet, but you can still see any licensed vet; the network just applies the 25% in-house savings.
About the Author
Md Shahinuzzaman is an insurance and out-of-pocket healthcare cost specialist who writes plain-English guides to pet and consumer insurance. He sources every claim from primary company documents, corrects details other reviews get wrong, and is upfront about who a product does and doesn’t serve.
Reviewed June 2026 ·
Sources
Wishbone Insurance — home / get a quote and enroll: https://www.wishboneinsurance.com/
U.S. News — Wishbone Pet Insurance Overview for 2026 (cancellation windows, waiting periods, $9 Advantage start, Customer Care 800-887-5708): https://www.usnews.com/insurance/pet-insurance/wishbone
Wishbone Insurance — FAQ (Advantage waiting periods by state, Pet Assure 25% discount, exclusions, US/Canada clinics): https://www.wishboneinsurance.com/stetson/faq
Wishbone Insurance — Contact / Customer Care: https://www.wishboneinsurance.com/contact
Pet Benefit Solutions / Cook County Voluntary Benefits — Wishbone (ownership, underwriter panel, claims, AskVet, login): https://www.cookcountyvoluntarybenefits.com/content/mercer-consumer/vb-pba/cook-county-home/familyandpersonalwellbeing/petinsurance/wishbone.html
Cook County — Wishbone FAQ PDF (waiting periods, 180-day claims, AskVet, no upper age limit, phone): https://www.cookcountyil.gov/sites/g/files/ywwepo161/files/documents/2024-10/Cook-County-Wishbone-FAQ_2024.pdf
BankUnited — Wishbone Pet Health Insurance Plan FAQ PDF (Pet Assure Corp dba Pet Benefit Solutions, underwriters, PrimeOne TPA): https://www.bankunited.com/docs/default-source/go-for-more-benefits/wishbone-pet-health-inurance-plan-faq.pdf
Pet Benefit Solutions — Introducing Wishbone Advantage (PPO-style plan, in-network discount): https://www.petbenefits.com/blog/introducing-wishbone-advantage-the-new-ppo-style-pet-plan/
Pet Benefit Solutions — Wishbone Wellness plans (routine care, refund terms): https://www.petbenefits.com/blog/wishbone-wellness-plans-get-a-facelift/
Pet Assure — veterinary discount network (powers Advantage in-network savings): https://www.petassure.com/
By Md Shahinuzzaman — Insurance & Out-of-Pocket Healthcare Cost Specialist Reviewed June 2026 ·
