Frequently Asked Questions
Clear, honest answers about insurance comparison, platform transparency, and policy selection.
Does Pactos provide the insurance policy directly?
No. Pactos is a modern insurance comparison and referral platform, not an insurance carrier. We help consumers explore coverage options and connect with third-party insurance providers who underwrite, issue, and administer the policies.
How does Pactos make money?
Pactos may receive compensation from third-party insurance partners when users click referral links or complete qualifying transactions. This referral structure allows us to offer our comparison interface 100% free to consumers.
What is pet insurance?
Pet insurance is a health policy designed to help pet parents reimburse unexpected veterinary bills resulting from accidental injuries, illnesses, emergency surgeries, or hereditary medical conditions.
Does pet insurance cover dogs?
Yes. Dog insurance policies cover accidents, illnesses, surgeries, prescription drugs, and optional routine wellness treatments.
Does pet insurance cover cats?
Yes. Cat insurance policies cover feline illnesses, kidney disease, urinary tract blockages, swallowed object surgery, and emergency care.
Does pet insurance cover pre-existing conditions?
Standard pet insurance policies typically exclude pre-existing medical conditions that occurred prior to enrollment or during waiting periods. However, curable conditions symptom-free for a specified duration may be eligible depending on the provider.
What is homeowners insurance?
Homeowners insurance helps protect your physical dwelling structure, detached garages, personal belongings, and personal legal liability from covered perils like fire, windstorms, or theft.
What is landlord insurance?
Landlord insurance is specifically tailored for tenant-occupied residential properties. It covers the landlord's physical structure, premises liability, and loss of rental income during covered repairs.
What is renters insurance?
Renters insurance covers a tenant's personal property (electronics, furniture, clothing) and personal liability. Landlord insurance does NOT cover a tenant's personal items.