Agile Health Insurance's pet insurance policies cover accidents and chronic health conditions for dogs and cats. It does not offer wellness care like some of its competitors, so you may want to explore other options if you're interested in this. There are also some services you must get pre-approval for if you want it to be covered, so it's important to read the policy's fine print before signing up. Overall, though, its medical coverage is pretty typical for the industry and there are no restrictions on which vets you can use.

Agile Health Insurance covers pet expenses up to $100,000 per year, which should be more than enough for most pet owners. There are no lifetime benefit limits to worry about and no hard per-incident limits, though you do need to get approval from Agile before pursuing treatment that will cost more than $2,500.

Agile Health Insurance reimburses you 80% of the actual cost of most services. This is a pretty common reimbursement rate for pet insurance, but some of Agile's competitors give customers a choice of reimbursement rates, usually ranging from 70% to 90% so they could choose the level of coverage and the monthly premium amount that best suited their budget.

Agile Health Insurance doesn't give you a choice of pet insurance deductibles like many of its competitors. Its $100 deductible is a good choice for those who don't want high out-of-pocket costs in the event of a pet health emergency, but it would be nice to see the company add a few different deductible options for those who'd like to lower their premiums.

Agile Health Insurance's pet insurance policies are considerably more expensive than many of its competitors, so those on a budget might want to explore a few other options before making a final decision. Those insuring multiple pets, military members, and those who work for animal welfare organizations may want to give Agile a closer look, though, as it offers discounts to these individuals that could make its policies a lot more affordable.

Agile Health Insurance requires pets to be at least eight weeks old before they can be insured. This is a little bit older than the minimum enrollment age with many other pet insurers, so it's not a good fit if you hope to insure a very young pet. The good news is, there is no waiting period for coverage, which is pretty unusual among pet insurance providers, so it's a solid choice if you want coverage to begin right away.

You can file a claim using the online portal or by contacting the company by phone to begin the process. Most claims are processed within three to five business days, which is a pretty typical response time for pet insurance claims.