How it Works

Set up your pet’s safety net

Build Your Plan

Set up in 15 minutes. Update or cancel anytime.

  • Step 1: Plan

    Tell us about you, your pet, your chosen caretakers, and your pet’s care needs.

  • Step 2: Sign

    We send you and your pet caretakers some official paperwork to electronically sign.

  • Step 3: Triple Check

    We review your information & coordinate legal and banking needs with Booper Legal.

  • Step 4: Welcome

    We send a welcome packet with final docs & info about Cotl Line and saving for your pet's care.

Flexible Funding Options

Plan for your pet, your way.

We know every pet owner's financial situation is different. That’s why Cotl offers flexible funding options to ensure your pet is cared for, no matter what happens. Choose the approach that works best for you:

  • Small Monthly Contributions – Start building your pet’s safety net with a small monthly contribution. A little at a time can go a long way, and even a small amount can help your pet.

  • One-Time Deposit – If you have the means, you can set aside funds all at once to secure your pet’s future immediately.

  • Beneficiary Designations – Name your Cotl Plan as a beneficiary in your life or disability insurance policy, ensuring long-term care for your pet.

  • Estate Planning Integration – Already have a will or trust? Simply include your Cotl Plan to guarantee your pet’s continued well-being as part of your broader estate plan.

Simple and affordable

Initial Setup Fee

$99

One-time flat fee to set up your Cotl Plan. No matter how many pets you have.

  • Select caretakers

  • Tell us about your pet

  • Share your pet’s care plan

Monthly Subscription

$4.99 /month + $2 /month per additional pet

Everything you need for the ultimate pet parent peace of mind.

  • Cotl Line emergency services

  • Pet planning support

  • 3rd party oversight by Booper Legal

  • Add or remove pets or caretakers at any time

Set Aside Funds

You choose the amount

Set aside funds for your pet’s care, all at once or over time.

  • 5% fee at time of deposit. No recurring fees

  • Booper Legal holds the funds under the trust

  • Unsure how much to set aside? Contact us for recommendations.

Risk free. Cancel anytime.

Need to cancel your Cotl Plan? No problem. Cancel anytime and get a full refund of your deposited trust funds, minus the original 5% deposit fee.

“What happens to my pet if something happens to me?” Now, there’s an answer.

Contact Cotl Line

Emergency personnel contact us via the Cotl Line info on your wallet card, window sticker, pet tag, and/or pet's microchip.

Notify Caretaker

We notify the caretaker that something's happened to you and tell them where your pet is. We give them all the documentation they need to legally care for your pet.

Care for Pet

Your chosen caretaker cares for your pet as described in your Cotl Plan. You know your pet is being cared for the way you would care for them.

Provide Oversight

We review receipts and invoices submitted by the caretaker. Booper Legal reimburses expenses that match the categories in your Cotl Plan, acting as third-party oversight for the life of your Cotl Plan.

Is a Cotl Plan the same as pet insurance?

No–in fact, many pet parents have both pet insurance and a Cotl Plan for the ultimate peace of mind.

Pet insurance is a healthcare policy that is unique to each pet. It only pays for specific health expenses (usually with limitations, conditions, and maximums).  You can’t pay for grooming services, enrichment, or lodging with a pet insurance plan.

A Cotl Plan is a plan–backed by legal authority–for who will care for your pet if something happens to you. It gives you the power to decide how your pet will be cared for. It allows for you to save money for your pet’s ongoing care, and for the new caretaker to be reimbursed for those expenses. Even the ones that are “nice-to-haves.” All the money in your Cotl Plan is yours and sticks around even after you’re gone. Your caretakers will never have to fight for a reimbursement as long as they use the money the way you want.