Our content is free because we earn a commission when you click or make a purchase from links on our site. Learn more about how we make money.

2021 – Compare Pet Insurance Companies Costs And Coverages

2021 Updated Pet Insurance Costs Compared:

We have reached out to the top 10 pet insurance companies and have gotten 2021 pet insurance quotes for the most popular dogs insured each year. 

You will not believe what we found out! 

In almost every major category you have some very competitive prices and some companies that charge twice as much for the same coverages! 

Find out who has the cheapest rates in our sample pet insurance quotes for all of the top pet insurance companies of 2021 in the pet insurance costs section of this article below. 

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

Luckily, most of the terms and logic behind the pricing are probably is similar and we give some good explanations of coverage terms. 

But we don’t stop there! 

We have done the hard work for you and include multiple charts with the best pet insurance prices for some of the most popular dogs farther down this article. 

Get Started with Free Comparisons: You can easily compare pet insurance plans from several top companies by age if you you visit our sample pet insurance quote page for 1 to 2 year old dogs or click here if you have a 3 to 5 year old dog.

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.

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
  • coverage type
  • deductible
  • reimbursement % (i.e. 70%, 80%, 90%, etc.)

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

Need Pet Insurance?

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


Healthy Paws is our #1 Choice.
View Rates Now!

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 Nationwide Clients

Senta

Nationwide insurance saved his parents

$6,609

Senta got a bone disease called hypertrophic osteodystrophy. Therapy and drug treatment cost $7,770. Senta is now back to his playful self.

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.

Related: 10 Things You Must Know Before You Buy Pet Insurance

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.

2021 Pet Insurance Company Costs Compared

Frankly, I was surprised by the results of our 2021 sample pet insurance quotes results. 

Generally, Healthy Paws has the best prices for younger dogs but it appears that many other companies now have gotten their act together and offer even better rates in multiple categories. 

All of these quotes when possible used the following factors in calculating the estimated pet insurance premium cost for your dog in 2021. 

When possible the data we entered for these prices was as follows; a female, puppy under the age of 12 months, with unlimited coverage (or max offered when unlimited not an option), a $500 deductible, and 70% reimbursement. We did not include the wellness checkup add-on when available. 

Keep in mind that insurance rates are ever-changing and what seems like minor changes such as, your zip code or breed can actually make a major impact on the cost of pet insurance. 

These Pet Insurance Company Price charts are a good tool, not a guarantee of rates, do your own research before you buy. 

2021 Best Pet Insurance Prices For A Small Mixed Breed Dog

CompanyMonthly Premium
Healthy Paws$20.37
Pets Best$20.75
Figo$25.23
Embrace$29.58
Pet Plan$29.76
*PetFirst$31.05
PetPremium$45.01
Nationwide$52.73
**Trupanion$57.02

CLICK HERE TO GET A FREE QUOTE FROM HEALTHY PAWS

*PetFirst first monthly payment has an additional $10-$15 startup fee, the number in this chart is the monthly cost after the first month

**Trupanion only offers 90% reimbursement, all other sample quotes are based on 70% reimbursement which is why Trupanion appears so much higher

Medium Mixed Breed Dog Top Pet Insurance Costs In 2021

CompanyMonthly Premium
Pets Best$28.07
Figo$28.20
Healthy Paws$29.71
*PetFirst$34.17
Embrace$34.31
Pet Plan$39.83
PetPremium$45.01
Nationwide$52.73
**Trupanion$67.53

CLICK HERE TO GET A FREE QUOTE FROM PETS BEST

*PetFirst first monthly payment has an additional $10-$15 startup fee, the number in this chart is the monthly cost after the first month

**Trupanion only offers 90% reimbursement, all other sample quotes are based on 70% reimbursement which is why Trupanion appears so much higher

2021 Large Mixed Breed Dog Best Pet Insurance Prices Compared

CompanyMonthly Premium
Figo$31.17
Healthy Paws$36.05
Pets Best$37.36
Embrace$40.23
*PetFirst$40.40
PetPremium$45.01
Pet Plan$53.70
Nationwide$66.71
**Trupanion$87.58

CLICK HERE TO GET A FREE QUOTE FROM FIGO

*PetFirst first monthly payment has an additional $10-$15 startup fee, the number in this chart is the monthly cost after the first month

**Trupanion only offers 90% reimbursement, all other sample quotes are based on 70% reimbursement which is why Trupanion appears so much higher

Pet Insurance Costs For A Labrador Retriever In 2021

CompanyMonthly Premium
Figo$39.88
*PetFirst$41.36
Healthy Paws$43.89
Pet Plan$47.96
Pets Best$51.33
Embrace$51.47
PetPremium$52.77
Nationwide$77.47
**Trupanion$98.50

CLICK HERE TO GET A FREE QUOTE FROM FIGO

*PetFirst first monthly payment has an additional $10-$15 startup fee, the number in this chart is the monthly cost after the first month

**Trupanion only offers 90% reimbursement, all other sample quotes are based on 70% reimbursement which is why Trupanion appears so much higher

2021 Companies Costs For German Shepherd Pet Insurance

CompanyMonthly Premium
*PetFirst$37.22
Healthy Paws$43.89
Figo$45.47
Pets Best$50.52
Embrace$51.47
PetPremium$52.12
Pet Plan$55.77
Nationwide$77.47
**Trupanion$99.97

CLICK HERE TO GET A FREE QUOTE FROM PETFIRST

*PetFirst first monthly payment has an additional $10-$15 startup fee, the number in this chart is the monthly cost after the first month

**Trupanion only offers 90% reimbursement, all other sample quotes are based on 70% reimbursement which is why Trupanion appears so much higher

Best Prices For Poodle Pet Insurance In 2021

CompanyMonthly Premium
*PetFirst$34.79
Healthy Paws$36.05
Figo$38.85
Pet Plan$42.88
Pets Best$44.49
PetPremium$46.51
Embrace$59.75
Nationwide$77.47
**Trupanion$88.62

CLICK HERE TO GET A FREE QUOTE FROM PETFIRST

*PetFirst first monthly payment has an additional $10-$15 startup fee, the number in this chart is the monthly cost after the first month

**Trupanion only offers 90% reimbursement, all other sample quotes are based on 70% reimbursement which is why Trupanion appears so much higher

2021 Beagle Pet Insurance Costs Compared

CompanyMonthly Premium
Healthy Paws$32.63
Figo$38.76
*PetFirst$42.55
Pet Plan$44.51
Pets Best$47.41
Embrace$48.51
PetPremium$49.04
Nationwide$77.47
**Trupanion$91.51

CLICK HERE TO GET A FREE QUOTE FROM HEALTHY PAWS

*PetFirst first monthly payment has an additional $10-$15 startup fee, the number in this chart is the monthly cost after the first month

**Trupanion only offers 90% reimbursement, all other sample quotes are based on 70% reimbursement which is why Trupanion appears so much higher

Pet Insurance Costs Compared For A Dachshund In 2021

CompanyMonthly Premium
Figo$27.63
Healthy Paws$32.63
*PetFirst$36.28
Pet Plan$36.99
Pets Best$38.56
Embrace$41.71
PetPremium$46.78
Nationwide$72.54
**Trupanion$77.47

CLICK HERE TO GET A FREE QUOTE FROM FIGO

*PetFirst first monthly payment has an additional $10-$15 startup fee, the number in this chart is the monthly cost after the first month

**Trupanion only offers 90% reimbursement, all other sample quotes are based on 70% reimbursement which is why Trupanion appears so much higher

 

Real Cost Savings from Nationwide Clients

Max

Nationwide insurance saved his parents

$6,432

Max had a urinary blockage that required surgery. After medication and a few follow-up visits, he recovered well and is now doing great!

Read More Pet Insurance Company Comparisons

 

148 Comments
  1. Reply
    Jerry Harris 12/19/2015 at 7:31 pm

    My dog is a lab-chow-terrier mix and is eight years old. I’ve noticed that she has slowed down and I want to make sure to take good care of her as she ages. The cost of pet care can be very high and I think that pet insurance is a great idea. I’ve been comparing insurance plans and this site has been extremely helpful.

    Some of my requirements are a policy with a flexible deductible and no annual limits. After reviewing several plans, I have it narrowed down to Healthypaws and PetPremium. Healthypaws covers massage therapy and physical therapy, so I think that will be my best option.

    Thanks for providing this great service, you made my decision so much easier!

    • Reply
      Pet Insurance U 01/21/2016 at 5:04 am

      Hey Jerry and thanks! for your kind words regarding our site. You are MORE than welcome. So, so terrific! to know it’s doing what we wanted: to help caring pet parents make best pet insurance decision. It’s our pleasure to help. Best o’ health to you and your doggie!

  2. Reply
    Scott T. 12/20/2015 at 4:15 am

    I like that PetsBest and Petplan don’t have a limit on age. My pitbull Wally is almost 14 years old. He’s in pretty good health, but I worry he will have something come up in the next few years. I think I will probably go with Petplan since there is no annual deductible.

    • Reply
      Pet Insurance U 01/21/2016 at 4:58 am

      Hi Scott, and cool! on looking into insurance for Wally. How wonderful he’s in good health at age 14, you must really be treating him right! Just a note on the lack of annual deductible from PetPlan. The policies still have a deductible, but it’s paid per condition instead of once each year. That means policy holders have to pay a deductible for every condition treated. It can still work out fine, just wanted to make sure it was clear. Thanks for comment and hugs to Wally!

    • Reply
      Julian Holst 12/30/2015 at 2:15 am

      I just tried to get a quote for a St. Bernard mix on PetPlan and they didn’t have that breed listed on their list! I sent them an email via their “contact us” page. Let’s see how long it takes them to respond.

      • Reply
        Julian Holst 12/31/2015 at 5:14 am

        OMG, I already got a call back from them – less than 24 hours! Way to go, PetPlan. 🙂

        • Pet Insurance U 01/21/2016 at 5:02 am

          Three cheers for PetPlan responding so quickly – and thanks for sharing success tidbit, Julian! St. Bernard mix must be one neat-o dog. Also a unique one we’d say if not even on the list. Sounds like a fabulous pooch who deserves fabulous insurance. Way to be on it!

1 10 11 12

Leave a reply