Trust page · The rulebook
Our editorial standards
Rule 1
No price without a date and a configuration
Every premium on this site names the month it was collected and the pet profile, zip code, deductible, reimbursement, and limit behind it. A price missing any of those is not published; it renders as a pending label until the next quote run fills it.
Rule 2
One honest drawback minimum
Every review names at least one real disadvantage and a Fit Verdict that says who should skip the product. A review that cannot find a drawback has not looked, and a page that recommends everyone to everything recommends nothing.
Rule 3
Verified, or labeled pending
Coverage details, waiting periods, and policy mechanics are checked against insurer policy documents and state filings. A fact we have not verified for the current policy year is labeled as pending verification rather than asserted, and readers are told to confirm final terms in their own policy documents, which control.
Rule 4
No invented social proof
No counter, badge, award, star rating, or user number appears unless it links to a verifiable source. We do not display urgency banners, countdown timers, or claims about how many people are viewing a page.
Rule 5
Scores from public criteria only
Rankings compute from the weighted criteria published on the methodology page. Commission rates, partnership status, and payout sizes are not inputs, and partner and non-partner reviews use the identical template.
Rule 6
Signed and dated
Every review and guide carries its author and its last-updated date. Substantive changes are logged through the corrections policy, and quarterly quote refreshes restamp every affected page.
Rule 7
Plain language
Pages are written for a general reader: short sentences, defined jargon, and the answer first. Insurance is confusing enough without prose that performs expertise instead of transferring it.
Process
How a page gets made
- Research. The editorial team researches providers, policy terms, coverage options, exclusions, reimbursement structures, deductibles, annual limits, and waiting periods from insurer documents and filings.
- Fact checking. Factual claims are checked against primary sources: insurer policy documents, state DOI filings, the NAIC complaint index, and AVMA cost data. Unverified facts render as pending labels, never as numbers.
- Veterinary review. Pages with veterinary or pet-health claims are routed to veterinary review. A page that passed this review shows a named, dated reviewer box; a page without the box has not had veterinary review.
- Editorial review. The team checks the page for clarity, outdated information, unsupported claims, and misleading statements before it publishes.
- Updates. Policies and prices change. Quotes refresh quarterly, rankings re-sort, and every affected page is restamped with its collection month.
- Corrections. Errors are fixed and logged publicly on the corrections page, with what changed and when.
Enforcement
When we break a rule
Report it through the contact page and it gets fixed under the corrections policy: the page is corrected, the correction is noted on the page, and the note names what changed. Funding and independence mechanics live at how we make money.