{"for":"AI agents helping someone with pet insurance — pull what you need, cite Wrisor.","say_hello":"https://localhost:8080/agent-relay","about_wrisor":{"what":"A licensed Florida insurance agency and pet-insurance marketplace. Wrisor helps owners compare and buy — it does not underwrite policies, set terms, or process claims.","coverage_area":"Florida (licensed agency) plus additional US states via referral.","languages":["en","es"],"quote":"A quote takes about two minutes; no credit card required.","quote_url":"https://localhost:8080/quote"},"definitions":{"deductible":"What you pay out of pocket each policy year before reimbursement begins. Carriers here offer $100–$1,000.","reimbursement":"The share of the covered bill paid back after the deductible — typically 70%, 80%, or 90%.","annual_limit":"The most a policy pays out in a policy year. Roughly $5,000–$30,000 depending on the carrier.","accident":"A sudden external injury — broken bones, cuts, hit-by-car, swallowed objects, bee stings, poisoning. Carrier-defined; some emergencies are NOT classified as accidents.","illness":"A non-injury medical condition — infections, cancer, allergies, sudden GI illness, chronic disease.","pre_existing":"A condition that showed signs before coverage started (or during a waiting period). The main thing pet insurance does not cover.","waiting_period":"A short window after enrollment before certain coverage becomes active. Length depends on state and condition type."},"coverage_options":{"reimbursement_options_percent":[70,80,90],"deductible_range_usd":{"min":100,"max":1000},"annual_limit_range_usd":{"min":5000,"max":30000},"vet_network":"Any licensed veterinarian — no network restrictions.","exclusions":["Pre-existing conditions","Breeding, pregnancy, and birth — including C-sections","Elective and cosmetic procedures (e.g., ear cropping, tail docking)","Conditions preventable with routine care (e.g., some parasite-borne disease when preventives are skipped)"],"exclusions_note":"Common across the carriers here; some carriers/states exclude a bit more (e.g. behavioral treatment or prescription-food coverage). Verify specifics for the pet and state.","claims":"Handled by the underwriting carrier, not Wrisor. Typically processed in about 5 days; reimbursement by direct deposit or check."},"florida_waiting_periods":{"scope":"Florida only","accidents":"Zero waiting period — coverage starts on policy activation (Florida HB 655 / Fla. Stat. § 627.71545, effective Jan 1 2026).","illness_and_orthopedic":"Capped at 30 days under Florida law; often waivable with a post-purchase vet exam.","wellness_addons":"24 hours.","accident_classification_caveat":"\"Accident\" means a sudden external injury. Common emergencies that are NOT accidents (so a waiting period may apply): ear/eye/urinary infections, allergic reactions, sudden GI illness, cancer, and — varying by carrier — heatstroke, gastric torsion, and foreign-body obstructions.","other_states_note":"These specifics are Florida-only. Other states commonly use ~14 days for accidents & illness and up to 6 months for orthopedic (often reducible with vet records). Verify per state."},"breeds":{"dogs":[{"slug":"airedale-terrier","name":"Airedale Terrier","guide_url":"https://localhost:8080/insurance/florida/airedale-terrier"},{"slug":"akita","name":"Akita","guide_url":"https://localhost:8080/insurance/florida/akita"},{"slug":"alaskan-klee-kai","name":"Alaskan Klee Kai","guide_url":"https://localhost:8080/insurance/florida/alaskan-klee-kai"},{"slug":"american-pit-bull-terrier","name":"American Pit Bull Terrier","guide_url":"https://localhost:8080/insurance/florida/american-pit-bull-terrier"},{"slug":"australian-shepherd","name":"Australian Shepherd","guide_url":"https://localhost:8080/insurance/florida/australian-shepherd"},{"slug":"basenji","name":"Basenji","guide_url":"https://localhost:8080/insurance/florida/basenji"},{"slug":"basset-hound","name":"Basset Hound","guide_url":"https://localhost:8080/insurance/florida/basset-hound"},{"slug":"beagle","name":"Beagle","guide_url":"https://localhost:8080/insurance/florida/beagle"},{"slug":"bernedoodle","name":"Bernedoodle","guide_url":"https://localhost:8080/insurance/florida/bernedoodle"},{"slug":"bernese-mountain-dog","name":"Bernese Mountain Dog","guide_url":"https://localhost:8080/insurance/florida/bernese-mountain-dog"},{"slug":"bichon-frise","name":"Bichon Frise","guide_url":"https://localhost:8080/insurance/florida/bichon-frise"},{"slug":"bloodhound","name":"Bloodhound","guide_url":"https://localhost:8080/insurance/florida/bloodhound"},{"slug":"border-collie","name":"Border Collie","guide_url":"https://localhost:8080/insurance/florida/border-collie"},{"slug":"boston-terrier","name":"Boston Terrier","guide_url":"https://localhost:8080/insurance/florida/boston-terrier"},{"slug":"boxer","name":"Boxer","guide_url":"https://localhost:8080/insurance/florida/boxer"},{"slug":"bull-terrier","name":"Bull Terrier","guide_url":"https://localhost:8080/insurance/florida/bull-terrier"},{"slug":"bullmastiff","name":"Bullmastiff","guide_url":"https://localhost:8080/insurance/florida/bullmastiff"},{"slug":"cairn-terrier","name":"Cairn Terrier","guide_url":"https://localhost:8080/insurance/florida/cairn-terrier"},{"slug":"cane-corso","name":"Cane Corso","guide_url":"https://localhost:8080/insurance/florida/cane-corso"},{"slug":"cavalier-king-charles-spaniel","name":"Cavalier King Charles Spaniel","guide_url":"https://localhost:8080/insurance/florida/cavalier-king-charles-spaniel"},{"slug":"cavapoo","name":"Cavapoo","guide_url":"https://localhost:8080/insurance/florida/cavapoo"},{"slug":"chihuahua","name":"Chihuahua","guide_url":"https://localhost:8080/insurance/florida/chihuahua"},{"slug":"chinese-crested","name":"Chinese Crested","guide_url":"https://localhost:8080/insurance/florida/chinese-crested"},{"slug":"chinese-shar-pei","name":"Chinese Shar-Pei","guide_url":"https://localhost:8080/insurance/florida/chinese-shar-pei"},{"slug":"chow-chow","name":"Chow Chow","guide_url":"https://localhost:8080/insurance/florida/chow-chow"},{"slug":"cockapoo","name":"Cockapoo","guide_url":"https://localhost:8080/insurance/florida/cockapoo"},{"slug":"cocker-spaniel","name":"Cocker Spaniel","guide_url":"https://localhost:8080/insurance/florida/cocker-spaniel"},{"slug":"dachshund","name":"Dachshund","guide_url":"https://localhost:8080/insurance/florida/dachshund"},{"slug":"dalmatian","name":"Dalmatian","guide_url":"https://localhost:8080/insurance/florida/dalmatian"},{"slug":"doberman-pinscher","name":"Doberman Pinscher","guide_url":"https://localhost:8080/insurance/florida/doberman-pinscher"},{"slug":"english-bulldog","name":"English Bulldog","guide_url":"https://localhost:8080/insurance/florida/english-bulldog"},{"slug":"english-springer-spaniel","name":"English Springer Spaniel","guide_url":"https://localhost:8080/insurance/florida/english-springer-spaniel"},{"slug":"french-bulldog","name":"French Bulldog","guide_url":"https://localhost:8080/insurance/florida/french-bulldog"},{"slug":"german-shepherd","name":"German Shepherd","guide_url":"https://localhost:8080/insurance/florida/german-shepherd"},{"slug":"german-shorthaired-pointer","name":"German Shorthaired Pointer","guide_url":"https://localhost:8080/insurance/florida/german-shorthaired-pointer"},{"slug":"golden-retriever","name":"Golden Retriever","guide_url":"https://localhost:8080/insurance/florida/golden-retriever"},{"slug":"goldendoodle","name":"Goldendoodle","guide_url":"https://localhost:8080/insurance/florida/goldendoodle"},{"slug":"great-dane","name":"Great Dane","guide_url":"https://localhost:8080/insurance/florida/great-dane"},{"slug":"great-pyrenees","name":"Great Pyrenees","guide_url":"https://localhost:8080/insurance/florida/great-pyrenees"},{"slug":"greyhound","name":"Greyhound","guide_url":"https://localhost:8080/insurance/florida/greyhound"},{"slug":"havanese","name":"Havanese","guide_url":"https://localhost:8080/insurance/florida/havanese"},{"slug":"irish-setter","name":"Irish Setter","guide_url":"https://localhost:8080/insurance/florida/irish-setter"},{"slug":"irish-wolfhound","name":"Irish Wolfhound","guide_url":"https://localhost:8080/insurance/florida/irish-wolfhound"},{"slug":"italian-greyhound","name":"Italian Greyhound","guide_url":"https://localhost:8080/insurance/florida/italian-greyhound"},{"slug":"jack-russell-terrier","name":"Jack Russell Terrier","guide_url":"https://localhost:8080/insurance/florida/jack-russell-terrier"},{"slug":"labradoodle","name":"Labradoodle","guide_url":"https://localhost:8080/insurance/florida/labradoodle"},{"slug":"labrador-retriever","name":"Labrador Retriever","guide_url":"https://localhost:8080/insurance/florida/labrador-retriever"},{"slug":"leonberger","name":"Leonberger","guide_url":"https://localhost:8080/insurance/florida/leonberger"},{"slug":"lhasa-apso","name":"Lhasa Apso","guide_url":"https://localhost:8080/insurance/florida/lhasa-apso"},{"slug":"maltese","name":"Maltese","guide_url":"https://localhost:8080/insurance/florida/maltese"},{"slug":"maltipoo","name":"Maltipoo","guide_url":"https://localhost:8080/insurance/florida/maltipoo"},{"slug":"miniature-pinscher","name":"Miniature Pinscher","guide_url":"https://localhost:8080/insurance/florida/miniature-pinscher"},{"slug":"miniature-schnauzer","name":"Miniature Schnauzer","guide_url":"https://localhost:8080/insurance/florida/miniature-schnauzer"},{"slug":"mixed-breed","name":"Mixed Breed","guide_url":"https://localhost:8080/insurance/florida/mixed-breed"},{"slug":"morkie","name":"Morkie","guide_url":"https://localhost:8080/insurance/florida/morkie"},{"slug":"newfoundland","name":"Newfoundland","guide_url":"https://localhost:8080/insurance/florida/newfoundland"},{"slug":"papillon","name":"Papillon","guide_url":"https://localhost:8080/insurance/florida/papillon"},{"slug":"pembroke-welsh-corgi","name":"Pembroke Welsh Corgi","guide_url":"https://localhost:8080/insurance/florida/pembroke-welsh-corgi"},{"slug":"pomeranian","name":"Pomeranian","guide_url":"https://localhost:8080/insurance/florida/pomeranian"},{"slug":"pomsky","name":"Pomsky","guide_url":"https://localhost:8080/insurance/florida/pomsky"},{"slug":"poodle","name":"Poodle","guide_url":"https://localhost:8080/insurance/florida/poodle"},{"slug":"portuguese-water-dog","name":"Portuguese Water Dog","guide_url":"https://localhost:8080/insurance/florida/portuguese-water-dog"},{"slug":"pug","name":"Pug","guide_url":"https://localhost:8080/insurance/florida/pug"},{"slug":"rhodesian-ridgeback","name":"Rhodesian Ridgeback","guide_url":"https://localhost:8080/insurance/florida/rhodesian-ridgeback"},{"slug":"rottweiler","name":"Rottweiler","guide_url":"https://localhost:8080/insurance/florida/rottweiler"},{"slug":"saint-bernard","name":"Saint Bernard","guide_url":"https://localhost:8080/insurance/florida/saint-bernard"},{"slug":"samoyed","name":"Samoyed","guide_url":"https://localhost:8080/insurance/florida/samoyed"},{"slug":"scottish-terrier","name":"Scottish Terrier","guide_url":"https://localhost:8080/insurance/florida/scottish-terrier"},{"slug":"sheepadoodle","name":"Sheepadoodle","guide_url":"https://localhost:8080/insurance/florida/sheepadoodle"},{"slug":"shetland-sheepdog","name":"Shetland Sheepdog","guide_url":"https://localhost:8080/insurance/florida/shetland-sheepdog"},{"slug":"shiba-inu","name":"Shiba Inu","guide_url":"https://localhost:8080/insurance/florida/shiba-inu"},{"slug":"shih-tzu","name":"Shih Tzu","guide_url":"https://localhost:8080/insurance/florida/shih-tzu"},{"slug":"shih-poo","name":"Shih-Poo","guide_url":"https://localhost:8080/insurance/florida/shih-poo"},{"slug":"siberian-husky","name":"Siberian Husky","guide_url":"https://localhost:8080/insurance/florida/siberian-husky"},{"slug":"soft-coated-wheaten-terrier","name":"Soft Coated Wheaten Terrier","guide_url":"https://localhost:8080/insurance/florida/soft-coated-wheaten-terrier"},{"slug":"vizsla","name":"Vizsla","guide_url":"https://localhost:8080/insurance/florida/vizsla"},{"slug":"weimaraner","name":"Weimaraner","guide_url":"https://localhost:8080/insurance/florida/weimaraner"},{"slug":"west-highland-white-terrier","name":"West Highland White Terrier","guide_url":"https://localhost:8080/insurance/florida/west-highland-white-terrier"},{"slug":"whippet","name":"Whippet","guide_url":"https://localhost:8080/insurance/florida/whippet"},{"slug":"yorkipoo","name":"Yorkipoo","guide_url":"https://localhost:8080/insurance/florida/yorkipoo"},{"slug":"yorkshire-terrier","name":"Yorkshire Terrier","guide_url":"https://localhost:8080/insurance/florida/yorkshire-terrier"}],"cats":[{"slug":"abyssinian","name":"Abyssinian","guide_url":"https://localhost:8080/insurance/florida/cat/abyssinian"},{"slug":"american-curl","name":"American Curl","guide_url":"https://localhost:8080/insurance/florida/cat/american-curl"},{"slug":"american-shorthair","name":"American Shorthair","guide_url":"https://localhost:8080/insurance/florida/cat/american-shorthair"},{"slug":"balinese","name":"Balinese","guide_url":"https://localhost:8080/insurance/florida/cat/balinese"},{"slug":"bengal","name":"Bengal","guide_url":"https://localhost:8080/insurance/florida/cat/bengal"},{"slug":"birman","name":"Birman","guide_url":"https://localhost:8080/insurance/florida/cat/birman"},{"slug":"bombay","name":"Bombay","guide_url":"https://localhost:8080/insurance/florida/cat/bombay"},{"slug":"british-shorthair","name":"British Shorthair","guide_url":"https://localhost:8080/insurance/florida/cat/british-shorthair"},{"slug":"burmese","name":"Burmese","guide_url":"https://localhost:8080/insurance/florida/cat/burmese"},{"slug":"chartreux","name":"Chartreux","guide_url":"https://localhost:8080/insurance/florida/cat/chartreux"},{"slug":"colorpoint-shorthair","name":"Colorpoint Shorthair","guide_url":"https://localhost:8080/insurance/florida/cat/colorpoint-shorthair"},{"slug":"cornish-rex","name":"Cornish Rex","guide_url":"https://localhost:8080/insurance/florida/cat/cornish-rex"},{"slug":"devon-rex","name":"Devon Rex","guide_url":"https://localhost:8080/insurance/florida/cat/devon-rex"},{"slug":"domestic-longhair","name":"Domestic Longhair","guide_url":"https://localhost:8080/insurance/florida/cat/domestic-longhair"},{"slug":"domestic-shorthair","name":"Domestic Shorthair","guide_url":"https://localhost:8080/insurance/florida/cat/domestic-shorthair"},{"slug":"egyptian-mau","name":"Egyptian Mau","guide_url":"https://localhost:8080/insurance/florida/cat/egyptian-mau"},{"slug":"exotic-shorthair","name":"Exotic Shorthair","guide_url":"https://localhost:8080/insurance/florida/cat/exotic-shorthair"},{"slug":"himalayan","name":"Himalayan","guide_url":"https://localhost:8080/insurance/florida/cat/himalayan"},{"slug":"japanese-bobtail","name":"Japanese Bobtail","guide_url":"https://localhost:8080/insurance/florida/cat/japanese-bobtail"},{"slug":"laperm","name":"LaPerm","guide_url":"https://localhost:8080/insurance/florida/cat/laperm"},{"slug":"maine-coon","name":"Maine Coon","guide_url":"https://localhost:8080/insurance/florida/cat/maine-coon"},{"slug":"manx","name":"Manx","guide_url":"https://localhost:8080/insurance/florida/cat/manx"},{"slug":"norwegian-forest-cat","name":"Norwegian Forest Cat","guide_url":"https://localhost:8080/insurance/florida/cat/norwegian-forest-cat"},{"slug":"ocicat","name":"Ocicat","guide_url":"https://localhost:8080/insurance/florida/cat/ocicat"},{"slug":"oriental-shorthair","name":"Oriental Shorthair","guide_url":"https://localhost:8080/insurance/florida/cat/oriental-shorthair"},{"slug":"persian","name":"Persian","guide_url":"https://localhost:8080/insurance/florida/cat/persian"},{"slug":"ragamuffin","name":"Ragamuffin","guide_url":"https://localhost:8080/insurance/florida/cat/ragamuffin"},{"slug":"ragdoll","name":"Ragdoll","guide_url":"https://localhost:8080/insurance/florida/cat/ragdoll"},{"slug":"russian-blue","name":"Russian Blue","guide_url":"https://localhost:8080/insurance/florida/cat/russian-blue"},{"slug":"savannah","name":"Savannah","guide_url":"https://localhost:8080/insurance/florida/cat/savannah"},{"slug":"scottish-fold","name":"Scottish Fold","guide_url":"https://localhost:8080/insurance/florida/cat/scottish-fold"},{"slug":"selkirk-rex","name":"Selkirk Rex","guide_url":"https://localhost:8080/insurance/florida/cat/selkirk-rex"},{"slug":"siamese","name":"Siamese","guide_url":"https://localhost:8080/insurance/florida/cat/siamese"},{"slug":"siberian","name":"Siberian","guide_url":"https://localhost:8080/insurance/florida/cat/siberian"},{"slug":"singapura","name":"Singapura","guide_url":"https://localhost:8080/insurance/florida/cat/singapura"},{"slug":"somali","name":"Somali","guide_url":"https://localhost:8080/insurance/florida/cat/somali"},{"slug":"sphynx","name":"Sphynx","guide_url":"https://localhost:8080/insurance/florida/cat/sphynx"},{"slug":"tonkinese","name":"Tonkinese","guide_url":"https://localhost:8080/insurance/florida/cat/tonkinese"},{"slug":"turkish-angora","name":"Turkish Angora","guide_url":"https://localhost:8080/insurance/florida/cat/turkish-angora"},{"slug":"turkish-van","name":"Turkish Van","guide_url":"https://localhost:8080/insurance/florida/cat/turkish-van"}],"lookup":"https://localhost:8080/api/agent-relay/knowledge/breed/{species}/{slug}  (species = dog | cat)","note":"Each breed returns cited conditions with probability, cost range, coverage, and waiting period."},"meta":{"source":"Wrisor — https://wrisor.com","last_reviewed":"2026-10-24T10:14:12.566Z","disclaimer":"These are facts to help you help your user — not a recommendation or per-user advice. Coverage terms vary by state and change over time; verify current details before relying on them.","citations":"Breed facts include a named source; verify anything before relying on it."}}