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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.

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.

Need Pet Insurance?

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

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.
View Rates Now!

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
Compare all plans
Compare any two plans
  • #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
  •  

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

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  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
  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

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

Read reviewRead reviewRead reviewRead reviewRead reviewRead reviewRead 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.
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 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!

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.

Real Cost Savings from Healthy Paws Clients

Artemis

Healthy Paws saved his parents

$2,194

Artemis had a severe ear infection and needed to visit both the regular vet and a specialist, multiple times. After medication and a few follow-up visits, she recovered well and is now doing great!

Read More Pet Insurance Company Comparisons

 

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Is Exotic Pet Insurance Necessary? 

The Best Pet Insurance By State 

What Is Pet Insurance?

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You may find helpful one of our other Best Pet Insurance Reviews which include over 35 top insurers compared with cheap and affordable pet insurance and discounted mixed breed pet insurance

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!

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