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Disclaimer

Pet Insurance Report  ·  Effective: November 09, 2026

By accessing or using our website, our free report, or any other Content we provide, you acknowledge that you have read, understood, and agree to be bound by this Disclaimer. If you do not agree with any part of this Disclaimer, please discontinue use of our Content immediately.

1. General Disclaimer

The information provided by Pet Insurance Report ("Company," "we," "us," or "our") through our website, our free downloadable report, our email communications, and any other materials, communications, or services we provide (collectively, the "Content") is for general informational and educational purposes only. All information is provided in good faith; however, we make no representation, warranty, guarantee, or assurance of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information contained in the Content.

2. Not Insurance, Financial, or Veterinary Advice

Pet Insurance Report is an educational publication. It is not a veterinary practice, an insurance company, or a licensed insurance agency or broker, and nothing in our Content is professional veterinary, insurance, or financial advice. Our Content is intended to provide general educational information about pet insurance and is not an offer, solicitation, or recommendation to buy or sell any insurance policy.

Pet insurance policies vary by provider, and your individual circumstances — including your pet's species, breed, age, and health history, and where you live — will affect the terms, coverage, exclusions, and prices available to you. Always read and understand the full terms of any pet insurance policy you are considering, and contact the insurance provider directly or consult a qualified professional with any questions before you buy. Consult a licensed veterinarian regarding any questions or concerns about your pet's health, and never disregard, delay, or discontinue professional veterinary care because of something you have read or received from us.

3. Pet Health Emergencies

If your pet is experiencing a medical emergency, contact your veterinarian, the nearest emergency animal hospital, or an animal poison control hotline immediately. Our Content is about pet insurance — it is not designed to report treatment decisions and is never a replacement for professional veterinary care.

4. No Guarantee of Outcomes

Pet Insurance Report does not guarantee, promise, or imply that any information in our Content will result in a particular outcome — including that any claim will be approved or reimbursed, that any policy will cover a particular condition or expense, or that you will save money. Coverage, exclusions, waiting periods, premiums, reimbursement rates, and availability are determined by each insurance provider, vary by state and individual circumstances, and can change over time. Any examples, figures, or scenarios described in our Content are for illustrative and educational purposes only and are not a guarantee of similar results.

5. Testimonials & Reviews

From time to time, our Content may include testimonials, reviews, or endorsements from pet owners regarding their experience with our Content or with third-party products we recommend. These testimonials reflect the personal experience of the individuals who provided them and are not necessarily representative of the experience of all users. Individual results may vary, and testimonials should not be construed as a guarantee that you will achieve similar results.

6. Use at Your Own Risk

Your use of, and reliance on, any information described in our Content is entirely at your own risk. You are solely responsible for evaluating your own circumstances and for how you interpret, apply, or act on any information we provide. To the fullest extent permitted by law, Pet Insurance Report shall not be held liable for any outcome — including a denied or reduced insurance claim, uncovered veterinary expenses, or any other financial loss — resulting from the use of, or reliance on, our Content.

7. Email Communications

By submitting your email address to receive our free report or otherwise subscribing to our list, you consent to receive email communications from Pet Insurance Report, including our newsletter, pet insurance tips, product recommendations, and promotional content. Pet Insurance Report is one of several websites and brands under common ownership, and from time to time you may also receive communications sent on behalf of our other websites or affiliated businesses, which we believe may be of interest to you.

You may unsubscribe from any of these communications at any time using the link provided at the bottom of each email. Our email communications comply with the CAN-SPAM Act, including by identifying our physical mailing address in every email and providing a functional opt-out mechanism. For more information about how we collect, use, and share your information, please see our Privacy Policy.

8. Cookies & Tracking Technologies

Our website uses cookies and similar tracking technologies to operate our site, remember your preferences, measure performance, and understand how visitors use our Content. By continuing to use our website, you consent to our use of cookies as described in our Privacy Policy, which explains the types of cookies we use and how you can manage or disable them through your browser settings.

9. Affiliate Disclosure

Our Content, including our report, contains affiliate links to pet insurance providers and other related services. If you click one of these links and make a purchase, we may earn a commission at no additional cost to you. Any product or service we mention is based on our genuine belief that it may be of value to pet owners; however, we make no guarantee regarding the performance, quality, safety, or suitability of any third-party product or service. We encourage you to do your own research — and consult the insurer or a qualified professional where appropriate — before purchasing or using any product referenced in our Content.

10. External Links & Third-Party Resources

Our Content may reference, recommend, or link to third-party websites, products, services, or resources, including pet insurance providers, comparison websites, and veterinary resources. These references are provided solely for your convenience. Pet Insurance Report does not endorse, control, or guarantee the accuracy, availability, or reliability of any third-party website or resource and is not responsible for the content, policies, or practices of any third party. Accessing any third-party resource is done entirely at your own risk.

11. Intellectual Property

All Content provided by Pet Insurance Report — including our downloadable report, website text, graphics, and logos — is owned by or licensed to Pet Insurance Report and is protected by applicable copyright, trademark, and other intellectual property laws. You may access and use our Content for your own personal, non-commercial reference. You may not reproduce, redistribute, resell, publicly post, or create derivative works from our Content without our prior written permission.

12. Limitation of Liability

To the maximum extent permitted by applicable law, Pet Insurance Report, its owners, members, employees, contractors, affiliates, and agents shall not be liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages — including but not limited to denied or reduced insurance claims, insurance premiums paid, uncovered veterinary expenses, emotional distress, lost income, or any other loss — arising out of or in connection with your use of, or inability to use, our Content, website, report, or email communications, even if we have been advised of the possibility of such damages.

13. Indemnification

You agree to indemnify, defend, and hold harmless Pet Insurance Report and its owners, members, employees, contractors, and affiliates from and against any claim, demand, loss, liability, or expense (including reasonable attorneys' fees) arising out of your use of our Content, your violation of this Disclaimer, or your violation of any rights of a third party.

14. Severability & Entire Agreement

If any provision of this Disclaimer is found to be unenforceable or invalid under applicable law, that provision will be limited or eliminated to the minimum extent necessary so that the remaining provisions of this Disclaimer remain in full force and effect. This Disclaimer, together with our Privacy Policy and Terms of Use, constitutes the entire agreement between you and Pet Insurance Report regarding your use of our Content and supersedes any prior agreements or understandings.

15. International Use

Our Content is intended for a United States audience and is prepared in accordance with U.S. laws. We make no representation that our Content is appropriate, accurate, or available for use in locations outside the United States. If you access our Content from outside the United States, you do so on your own initiative and are responsible for compliance with the laws of your jurisdiction, to the extent local laws apply.

16. Children's Privacy

Our Content is not directed at, and is not intended for use by, children under the age of 13. We do not knowingly collect personal information from children under 13. If you believe a child under 13 has provided us with personal information, please contact us using the information in Section 19 below so we can take appropriate action.

17. Governing Law

This Disclaimer is governed by and construed in accordance with the laws of the State of Nevada, United States of America, without regard to its conflict of law principles. Any disputes arising in connection with this Disclaimer shall be subject to the exclusive jurisdiction of the courts located in Clark County, Nevada.

18. Changes to This Disclaimer

We reserve the right to modify or update this Disclaimer at any time without prior notice. The updated Disclaimer will be posted on this page with a revised effective date. Your continued use of our Content or services following any changes constitutes your acceptance of the updated Disclaimer.

19. Contact Us

If you have any questions about this Disclaimer, please contact us at:

Pet Insurance Report
304 S. Jones Blvd #3891
Las Vegas, NV 89107
(702) 843-0102
hello@petinsurancereport.com