Compare Pet Insurance

Last Updated: November 17th, 2020

Most insurance policies are confusing. Unfortunately, pet insurance policies are no exception.

For example, with most pet healthcare coverage, you don’t know if the claim will be approved or denied until AFTER you’ve paid the bill out of pocket.

You can reduce the risk of a surprising denial if you understand the aspects of a policy before you buy it. We have outlined these in our pet insurance comparison chart for easy reference.

You can easily compare pet insurance plans from several top companies.

We’ve simplified each policy’s fine print and included vet-verified tips and warnings to help you choose.

We’ve also defined important terms you should know so you can compare pet insurance with confidence.

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FACT: Pet insurance pays up to 90% of vet bills when your pet is sick or injured!

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Why Does Pet Insurance Cost Vary So Much?

When you start to compare pet insurance plans, you’ll see a wide range of price quotes.

Pet insurances base their price on factors like:

breed
age
zip code

Each pet insurance weighs these factors differently which affects the cost. Also, prices vary by coverage.

Healthy Paws is our #1 Choice.
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Pet Comparison Chart

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#1 Healthy Paws

#2 Embrace
#1 Healthy Paws
#7 Nationwide
#3 Pets Best
#4 Pet Plan
#6 Pet Premium

#2 Embrace

#2 Embrace
#1 Healthy Paws
#7 Nationwide
#3 Pets Best
#4 Pet Plan
#6 Pet Premium

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	Get Quote	Get Quote	Get Quote	Get Quote	Get Quote	Get Quote	Get Quote (10% Off Today)
Monthly Cost Basic Coverage	$48.22 Several limits	$51.58 Several limits	$57.07 Several limits	$38.00 Several limits	$46.71 Several limits	$71.64 Several limits	$37.28 No limits
Overall Score

1.4 3.1 3.5 3.8 3.6 4.3 4.9 Monthly Cost Best Coverage$65.66
Several limits $61.52
Several limits $67.84
Several limits $70.37
No limits $53.37
No limits $79.11
Several limits $37.28
No limits Tips & Highlights Poor customer reviews Low payouts Flexible coverage Reimburses veterinary exam fees Offers accident-only plan Applies deductible before copay to save you $ #1 customer rated since 2013 Vet-Verified Summary Bad reputation with customers Too many limitations Watch out for deductibles Watch out for deductibles Low annual limit on base plans Great coverage but expensive Overall best coverage AT A GLANCE Choose your own vet

Injuries

Illnesses

Hereditary conditions

Congenital conditions

Prescription medications

Alternative therapies

Wellness option

Flexible deductible

Annual deductible

Choose reimbursement

Reimbursed per vet bill

No annual limits

No lifetime limits

No limits per condition

Covered for life

No upper age limit

Discounts available

Read review Read review Read review Read review Read review Read review Read review

*Quotes based on 1-year-old, male, medium-sized mixed breed dog in California zip code 90017 as of January 1, 2019

Healthy Paws is our #1 Choice.
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Pet Insurance Comparison Chart: Important Definitions

Annual Limits

A maximum amount of money you can be reimbursed every year. Some pet insurance policies have them; others don’t.

Benefit Schedule

A rundown on the amount of reimbursement you’ll get for specific conditions or treatments. Some pet insurance companies reimburse you according to a set benefit schedule instead of covering a percentage of the actual vet bill.

Co-Pay

Percentage of the vet bill you pay out-of-pocket. If you have a 90 percent reimbursement level, your co-pay is 10 percent of the vet bill.

Real Cost Savings from Healthy Paws Clients

Samson

Healthy Paws saved his parents

$4,310

Samson tore his ACL in a lively game of fetch. After surgery and rehab, Samson is back to his playful self and never turns down a game of fetch!

CHECK PET INSURANCE RATES

Congenital Conditions

Health conditions your pet is born with. They can be hereditary or passed down genetically. They can also result from abnormal development before birth.

Not all pet insurance plans cover congenital conditions. Not all congenital conditions are immediately apparent and may show signs sometime after birth.

Deductible

Amount of money you pay out-of-pocket before your pet insurance coverage kicks in.

Exclusions

List of conditions or limitations on your coverage. Read them carefully, as they vary widely from policy to policy.

Hereditary Conditions

Disorders or diseases your pet inherits genetically, often referred to as breed-specific conditions since they tend to affect certain breeds of dogs and cats.

Not all pet insurance plans cover hereditary conditions.

Incidents

“Incident” refers to the specific condition for which your pet is being treated. “Per incident” and “per condition” mean the same thing.

Lifetime Limits

A maximum amount of money you can be reimbursed over the lifetime of your pet insurance policy.

Reimbursement Level

Percentage of the vet bill the pet insurance company reimburses you after you pay your deductible.

The reimbursement level determines your co-pay. If you have a 70 percent reimbursement level, your co-pay is 30 percent of the vet bill.

Rider

Also called “endorsements,” riders are add-ons to an insurance policy that provide additional coverage at an additional cost.

Different companies may offer different riders, such as a prescription medication rider, complementary care rider, or breeding rider for pregnancy care.

Pre-Existing Conditions

Health issues that your pet has already been diagnosed with or shown signs of before your pet insurance plan becomes active.

Pre-existing conditions are not covered by any pet insurance plan.

Waiting Period

Set amount of time you’re required to wait after enrollment before your pet insurance policy becomes active.

Pet insurance policies may have different waiting times for different conditions and coverage options.

The waiting period for injuries and accidents may be as short as a day or two while other conditions may have a waiting period of several months.