Compare Pet Insurance

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.

Our pet insurance comparison chart makes it easy to compare pet insurance plans from several pet insurance 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.

Pet Comparison Chart

all pet insurance plans Applies to all plans
some pet insurance plans Applies to some plans
no pet insurance plans Does not apply to any plans
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  • #2 Embrace
  • #1 Healthy Paws
  • #7 Nationwide
  • #3 Pets Best
  • #4 Pet Plan
  • #6 Pet Premium
  • #2 Embrace
  • #1 Healthy Paws
  • #7 Nationwide
  • #3 Pets Best
  • #4 Pet Plan
  • #6 Pet Premium

nationwide pet insurance comparison petpremium pet insurance comparison petplan pet insurance comparison petfirst pet insurance comparison pets best pet insurance comparison embrace pet insurance comparison healthy paws pet insurance comparison
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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 choose your veterinarian
Injuries injury coverage
Illnesses illnesses
Hereditary conditions hereditary conditions
Congenital conditions congenital conditions
Prescription medications prescription medications
Alternative therapies alternative therapies
Wellness option pet wellness plans
Flexible deductible flexible deductibles
Annual deductible annual deductible
Choose reimbursement choose your reimbursement
Reimbursed per vet bill vet bills
No annual limits no annual limits
No lifetime limits no lifetime limits
No limits per condition per-condition deductible limits
Covered for life lifetime coverage
No upper age limit no upper age limit
Discounts available no upper age limit promos and discount codes promos and discount codes promos and discount codes
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*Quotes based on 1-year-old, male, medium-sized mixed breed dog in California zip code 90017 as of January 1, 2019


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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.

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.

Why Does Pet Insurance Cost Vary So Much?

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

Pet insurances base their price on factors like breed, age, and your zip code.

Each pet insurance weighs these factors differently which affects the cost.

Also, prices vary by coverage.

Read More Pet Insurance Company Comparisons