What is the main difference between emotional support animals and service animals?

The main difference lies in training and legal protections. Emotional Support Animals (ESAs) offer comfort to individuals with mental health conditions but don’t require special training or have public access rights. Service Animals are trained to perform specific tasks for people with disabilities and are legally allowed in most public places under the ADA. In Texas, ESAs don’t need to be registered or trained, unlike service animals.

What documentation is required for an emotional support animal?

To qualify for an emotional support animal (ESA), you’ll need a valid ESA letter from a licensed mental health professional (LMHP). This letter must be on official letterhead, confirm that you have a qualifying mental health condition under the ADA, and explain how the ESA supports your treatment. It should also include the provider’s license number, signature, and date. No special registration or ID is required under federal law.

What isn’t covered by my pet insurance?

Pet insurance coverage varies, but most plans exclude pre-existing conditions. We also don’t cover routine wellness care like annual exams, grooming, or flea and tick medication. It’s important to review our policy’s exclusions to understand what’s not included.

What is an online vet visit, and how is it free?

We’re here to help pet parents keep their furry companions happy and healthy. With our 24/7 availability, you can connect with licensed vets anytime. Whether it’s about your pet’s diet, behavior, or signs of illness, expert help is just a message away.

Can I make changes to my coverage?

Yes! Reach out to the team if you want to make a change, and we’ll help you get the coverage that’s best for you.

College pet policies - Emma and Buddy

Laws that Protect a College Student’s ESA

Bringing an Emotional Support Animal (ESA) to college can be important for students dealing with mental health challenges. Thankfully, several laws protect your right to have an ESA in college housing, ensuring you can have the support you need. Understanding these laws will help you navigate the process and confidently advocate for your rights.

Fair Housing Act (FHA)

The Fair Housing Act (FHA) is the primary law that protects students with ESAs in college housing. Under the FHA, colleges and universities must provide reasonable accommodations for students with disabilities, which includes allowing ESAs to live in on-campus housing, even if there’s a general “no pets” policy. With a valid ESA letter from a licensed mental health professional, your college cannot deny your ESA or charge additional fees for having them in your dorm. The only condition is that your ESA should not cause significant disruption or damage.

Americans with Disabilities Act (ADA)

While the Americans with Disabilities Act (ADA) primarily covers service animals, it still protects students with ESAs. The ADA ensures that students with disabilities receive reasonable accommodations. While it does not specifically require ESAs to be allowed in all areas of the campus, it supports the rights provided under the FHA for housing. This means that while your ESA may not be allowed in classrooms or dining halls, they are protected in your living space on campus.

Section 504 of the Rehabilitation Act

Section 504 is another important law that protects students with disabilities in educational settings. This law prohibits discrimination based on disability in any program or activity that receives federal financial assistance, which includes most colleges and universities. Under Section 504, schools must make reasonable accommodations for students with disabilities, including those who require an ESA for emotional support. This ensures that you have the same access to housing and educational opportunities as other students.