How it works
Vet Bill In. 
Money Back Out.
One flat monthly membership. Any licensed vet. Snap the receipt and get up to 75% back — no deductibles, no waiting on approvals.
The process
Four Steps. Zero Paperwork Piles.
01
Join in Minutes
Pick a plan, add your pet's name, age, and breed. No medical exam, no vet records required to sign up.
About 3 minutes
Cancel anytime
02
Visit Any Vet
Go to the vet you already trust — your regular clinic, urgent care, or a 24-hour emergency hospital. No networks, no referrals.
Any licensed vet
03
Snap the Receipt
Pay your vet as usual, then upload a photo of the itemized receipt in the Hey Hiro portal. That's the whole claim.
One photo
Submit within 90 days
04
Get Paid Back
We review it fast and send up to 75% of the eligible amount straight to your bank account. No deductible to meet first.
Direct deposit
$0 deductible
What's Covered. What's Not.
Covered
Emergency visits — ER, after-hours, and urgent care
Surgery & hospitalization — including overnight stays
Accidents & injuries — swallowed objects, cuts, fractures
Diagnostics — X-rays, bloodwork, ultrasounds
Sudden illness — infections, vomiting, allergic reactions
Not Covered
Grooming & boarding
Food, treats & supplements
Elective & cosmetic procedures
Breeding & pregnancy care
Routine wellness visits and vaccines are covered on Basic Safety Net up to its per-event cap.
Side by side
Hey Hiro vs. Traditional Pet Insurance
Hey HiroTraditional insurance
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Billing & Claims, Answered.
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