Pet Insurance

Protect Your Pets Like Family—Because They Are

For many of us, pets are more than companions—they’re part of the family. And just like any family member, they deserve access to quality healthcare when the unexpected happens. That’s why Brooks Financial offers affordable pet insurance plans that help cover the cost of vet visits, emergency treatments, surgeries, and more. With rising veterinary costs, having a plan in place can ease the financial burden if your dog or cat needs care. We serve pet owners throughout Columbia, helping them compare plans and choose coverage that makes sense for their furry friends. Some policies even allow you to enroll on your own—quick, easy, and on your time.

Woman holding dog, talking to vet in blue scrubs, in a clinic.

What Pet Insurance Can Cover

Whether you’re enrolling a playful puppy, a rescue cat, or a senior pet, we’ll show you what’s available and what’s worth it.

Four black circles arranged in a cross pattern on a white background.

Accident & Illness Coverage

Covers unexpected injuries and illnesses like broken bones, infections, cancer, or chronic conditions. This is the most comprehensive plan type and ideal for unpredictable emergencies.

Four black circles arranged in a cross-like shape on a white background.

Accident-Only Coverage

A budget-friendly option that covers care for injuries only—like bites, sprains, or swallowed objects. Great for healthy pets who just need basic emergency protection.

Four black circles arranged in a cross shape on a white background.

Wellness & Preventive Add-Ons

Some carriers offer optional routine care coverage that includes vaccinations, dental cleanings, heartworm prevention, and annual exams.
Simple, Affordable Pet Coverage from a Local Agency

We’ll Help You Find the Right Plan for Your Pet—and Your Budget.

Choosing pet insurance can feel like an unnecessary step—until something goes wrong. At Brooks Financial, we help you think ahead and protect your pet without overpaying or overcomplicating the process.

  • Clear, Friendly Advice
     We’ll explain the difference between plans, what they cover, and how to use them—no jargon, no sales pitch.
  • Local Understanding, National Options
     While we’re based in Columbia, we work with carriers offering coverage accepted across the country—ideal for travel or snowbird clients.
  • Self-Enroll Available
     Ready to sign up on your own? We’ll send you a secure link to complete your application at your convenience.
Shield with white cross, representing healthcare security.

Frequently Asked Questions About Pet Insurance

  • Is pet insurance worth it?

    If your pet needs emergency surgery or long-term treatment, pet insurance can save you thousands of dollars. It also gives you peace of mind knowing you won’t have to choose between care and cost.

  • Can I take my pet to any vet?

    Yes—most pet insurance plans let you visit any licensed vet, including emergency and specialty clinics, without needing referrals or networks.

  • How do reimbursements work?

    You typically pay the vet up front, then submit a claim. The insurance company reimburses you based on your selected plan percentage (e.g., 80%).

  • Can I get coverage for an older pet?

    Yes—some plans accept pets of any age, though premiums may be higher for senior animals. We’ll help you find a plan that fits.