Legal
Terms of Service
Last updated August 26, 2026
A plain-language summary: CompareCove puts pet insurance carriers side by side. We are not an insurer or an agent and we do not sell policies; premium estimates and coverage details can change, so always confirm with the carrier before you buy. Some outbound carrier links earn us a commission at no cost to you. The full terms follow.
1. About these terms
These Terms of Service (“Terms”) are an agreement between you and CompareCove™ (“CompareCove”, “we”, “us”), a business operated from the State of Maryland, United States, covering the CompareCove website, mobile app and any related services (the “Service”). By creating an account or simply browsing comparisons, you agree to these Terms. If you do not agree, please stop using the Service. Nothing in these Terms waives any right you have under the Maryland Consumer Protection Act (Md. Code, Com. Law Title 13), the Maryland Online Data Privacy Act (Md. Code, Com. Law § 14‑4601 et seq.) or any other non‑waivable Maryland or federal consumer law.
2. What CompareCove is — and is not
CompareCove is a pet insurance comparison service. You answer a few questions about your pet — species, breed, age, state or ZIP code and coverage priorities — and we put carriers side by side on premium estimate, deductible, reimbursement rate, annual limit and waiting periods, together with our own carrier reviews and buying guides. We are not an insurance company, a licensed insurance producer or agent, a broker, a veterinary or medical provider, or a financial adviser. We do not underwrite, issue, bind, price, service or adjust any policy, we do not sell policies, and we are not a party to any contract you enter with a carrier.
3. Quote and coverage information
Premium estimates, deductibles, reimbursement rates, annual limits, waiting periods, exclusions, coverage summaries and ratings shown in the Service are indicative. They come from carrier and partner submissions, public carrier pages and automated refreshes, and can change or be wrong at any time. Your actual premium and coverage are set solely by the carrier after its own underwriting, and depend on details we may not hold. Always read the carrier’s sample policy, exclusions and pre‑existing condition rules — and confirm the price on the carrier’s own quote page — before you buy. We do not guarantee that any option shown is the cheapest or best available anywhere, and we are not liable for quoting errors, declined applications, denied claims or policies bought in reliance on stale data.
4. Eligibility and your account
You must be at least 18 years old (or the age of majority where you live) to create an account. Keep your credentials confidential; you are responsible for activity under your account. Provide accurate information and keep it current. We may suspend or close accounts that breach these Terms, are used fraudulently, or create risk for other users, carriers or partners.
5. Affiliate links and how we make money
Some outbound carrier and partner links are affiliate or referral links, which means we may earn a commission or referral fee when you click through and take out a policy. This never changes the premium you pay, and it does not influence how we rank carriers — ranking follows the comparison facts (premium estimate, deductible, reimbursement rate, annual limit, waiting periods and review score) only, and we do not accept payment for better placement. CompareCove is a free pet insurance comparison service — we are not an insurer or an agent and we do not sell policies. We may earn a commission when you buy through a carrier link. It never changes your premium or how carriers are ranked.
6. Carrier and partner submissions
Carriers, agencies and partners may submit plan details, premium ranges, coverage terms, exclusions and destination URLs by emailing partnerships@comparecoveonline.com. By submitting, you confirm you are authorized to represent that carrier or agency, that the information is accurate and current, and that you grant us a non-exclusive, royalty-free license to display, format and syndicate it (including in comparisons, guides, emails and social posts). Submissions are reviewed before publication, may be edited for clarity, and may be removed at any time. Published details are periodically returned to the review queue for re-confirmation; listings that are not re-confirmed may be hidden or removed. We do not accept payment for improved ranking.
7. Reviews, feedback and user content
When you post feedback, testimonials, ratings or questions, you keep ownership of your content but grant us a worldwide, royalty-free license to display, adapt and promote it (including anonymized or shortened versions on our site, app, emails and social channels). Do not post content that is false, unlawful, defamatory, misleading about a competitor, or that includes another person’s private information. We may moderate, hide or delete content at our discretion.
8. Acceptable use
Do not scrape, crawl, mirror or bulk-extract our carrier data, reviews or comparison results; probe or interfere with our infrastructure; reverse engineer the Service; misuse our AI assistant to generate harmful, deceptive or spam content; impersonate a carrier, partner or another user; or use the Service to break any law. We may throttle, block or terminate access to protect the Service.
9. AI assistant
Our AI assistant provides general information about how pet insurance works and how our comparison works. It is not a licensed insurance agent, veterinarian or adviser, and may produce inaccurate or incomplete answers. Treat her responses as suggestions, not professional, veterinary, medical, legal or financial advice, and confirm anything that matters — coverage, exclusions, waiting periods, pre‑existing conditions or price — directly with the carrier, a licensed agent or your veterinarian. Chat messages are stored so we can improve the Service and answer follow-up questions; do not send sensitive personal information through the chat.
10. Sensitive categories
Insurance is regulated state by state, and plans, prices and availability differ by state and by pet. Choosing cover for a sick, older or newly diagnosed pet is urgent and personal: waiting periods, pre‑existing condition exclusions, breed conditions and age caps may mean the option you liked on our site is unavailable or excludes the very condition you care about. CompareCove does not assess eligibility, suitability or compliance for your situation; confirm requirements with the carrier, a licensed agent in your state, or your veterinarian.
11. Intellectual property
The CompareCove name, logo, wave mark, tagline “Find the best pet insurance for your best friend.”, page design, guides, carrier reviews and compiled comparison data are owned by us or our licensors and protected by intellectual property laws. You may share links and short quotations with attribution; you may not copy substantial parts of the Service or use our branding without written permission. Carrier and partner names and logos belong to their respective owners and are used for identification only.
12. Third-party sites and services
Clicking a carrier or partner link takes you to a third party with its own terms and privacy practices. We do not control and are not responsible for third-party sites, quotes, applications, payments or policy servicing. Any dispute about a policy — pricing, coverage, claims or cancellation — is between you and that carrier.
13. Disclaimers
The Service is provided “as is” and “as available” without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, non-infringement, and accuracy or completeness of pricing data. We do not warrant uninterrupted or error-free operation.
14. Limitation of liability
To the fullest extent permitted by law, CompareCove will not be liable for indirect, incidental, special, consequential or punitive damages, or for lost savings, profits, data or goodwill arising from your use of the Service. Our total liability for any claim is limited to the greater of the amount you paid us in the 12 months before the claim or US$50. Maryland law does not permit a business to disclaim liability for its own fraud, intentional misconduct or gross negligence, or to limit remedies available under the Maryland Consumer Protection Act, and nothing here attempts to do so. If you are a Maryland resident, these limits apply only to the extent Maryland law allows.
15. Indemnity
You agree to indemnify and hold CompareCove harmless from claims, losses and reasonable legal fees arising from content you submit, your breach of these Terms, or your misuse of the Service.
16. Privacy and communications
We process account, usage and submission data to operate the Service, including analytics that measure which pages and offers convert. By creating an account you agree to receive service emails (account, security and submission status notices). Marketing emails are optional and can be unsubscribed at any time.
17. Changes to the Service and these Terms
We may add, change or discontinue features or categories. When we update these Terms we will revise the “last updated” date above, and material changes take effect 30 days after posting. Continued use after that means you accept the updated Terms.
18. Termination
You may stop using the Service and close your account at any time. We may suspend or terminate access if you breach these Terms or if required for legal or security reasons. Sections that by their nature should survive termination (intellectual property, disclaimers, liability, indemnity) continue to apply.
19. Governing law, venue and disputes
These Terms are governed by the laws of the State of Maryland, United States, without regard to conflict-of-law rules. You and CompareCove agree that the exclusive venue for any dispute is the Circuit Court for Anne Arundel County, Maryland, a Maryland District Court, or the U.S. District Court for the District of Maryland — except where your local consumer law gives you the right to bring a claim where you live, and except that either party may bring a qualifying claim in Maryland small claims court. We do not require you to give up your right to a jury trial, to participate in a class action, or to arbitrate. Maryland’s statutes of limitation apply, and nothing here shortens them. Please contact us first; most issues are resolved quickly and informally.
20. Maryland consumer disclosures
Maryland Consumer Protection Act. If you believe a CompareCove listing, premium estimate or advertising claim was unfair or deceptive, you may contact us and you may also file a complaint with the Consumer Protection Division of the Office of the Maryland Attorney General.
Privacy rights. Maryland residents have data rights under the Maryland Online Data Privacy Act, including the right to know, correct, delete and obtain a copy of their personal data, to opt out of targeted advertising and profiling, and to appeal a denied request. See our Privacy Policy for how to exercise them.
Minors. We do not knowingly process the personal data of anyone we know to be under 18 for targeted advertising, and we do not sell it.
Data breach. If a breach of security affects your personal information, we will notify you as required by the Maryland Personal Information Protection Act, generally within 45 days of concluding our investigation.
Insurance regulation. CompareCove is a comparison and referral service, not an insurance company, licensed producer, agent or broker, and we hold no insurance license in Maryland or any other state. Every policy shown is quoted, underwritten, sold and serviced by the licensed carrier or producer you click through to, and only they can confirm price, coverage, eligibility and claims. A complaint about a policy, an application or a claim belongs with that carrier first; you may also contact the Maryland Insurance Administration or the insurance department of your own state, and complaints about how CompareCove advertises or discloses may go to the Consumer Protection Division of the Office of the Maryland Attorney General.
Cookies and tracking. How we use cookies, analytics and affiliate attribution — and how to change your choice — is set out in our Cookie Policy.
21. Mobile app and app stores
CompareCove is available as an installable app: you can add it to your home screen straight from the browser, or get it from the Apple App Store and Google Play. These Terms apply to the app exactly as they do to the website. Your app store also imposes its own terms on downloads and updates. We may push updates to keep the app working, and app features can differ from the website while a release is rolling out. Apple and Google are not sponsors of CompareCove and have no responsibility for the Service.
22. Contact
Questions about these Terms or a carrier listing? Use the feedback form on our home page or ask our AI assistant in the chat bubble. Carriers and agencies can email us at partnerships@comparecoveonline.com.
These Terms are drafted to align with Maryland law and are provided as a starting template for CompareCove — they are not legal advice. Have a Maryland-licensed attorney review them before you rely on them commercially.