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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.

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

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

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
Several limits
Several limits
Several limits
Several limits
Several limits
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
Several limits
Several limits
No limits
No limits
Several limits
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
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 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.
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.


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.


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


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.


“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.


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.


Read More Pet Insurance Company Comparisons

  1. Reply
    Jackie 12/24/2015 at 8:13 am

    Healthypaws seems like the best fit for me. I have to watch my expenses and this plan seems to offer more for less. I liked that there were no annual limits on reimbursements. My dachshund Sammy is 4 years old, but I want to go ahead and get her on a plan before she gets older… I know that dachshunds can have some pretty bad issues with their spine.

    • Reply
      Pet Insurance U 01/21/2016 at 4:55 am

      Hi Jackie! We’re big fans of HealthyPaws ourselves (as are the tons of other customers who keep rating it as the top pet insurance company across the board). Kudos to getting Sammy insurance while she’s still young, as you’re right about potential health issues due to elongated body and stubby legs – the very traits that make dachshunds so adorable! Jumping off the couch, bed and other higher surfaces can be tough on a dachshund’s back, and some articles we’ve read even recommending ramps to make it easier for the breed to come up and cuddle. Just a thought! Best to you and Sammy!

  2. Reply
    Sheila Varner 12/27/2015 at 8:01 am

    We chose Trupanion because of the fact that there are no annual limits and no lifetime limits. They also cover congenital conditions, and this is something we needed for our basset hound. We were also interested in Embrace, but it was a bit more expensive.

    • Reply
      Pet Insurance U 01/21/2016 at 4:45 am

      Hi Sheila and good choice! Coverage for congenital conditions can be a biggie, and not every plan offers that coverage. Terrific you found one that did – and good health and happy howling to your basset hound!

  3. Reply
    Vernon Wright 12/29/2015 at 4:48 am

    Dang I can’t believe PetPremium’s cheapest plan is just over 9 bucks. That is insanely cheap! There’s no excuse for anyone not to have pet insurance! I’m still shopping around but I think Petplan is right for my cat Luci. She is a maine coone and I think she’s starting to show signs of thyroid dysfunction… heard it can get pretty darn costly for treatments. She is 5 years old. Has anyone else used Petplan before? I like that alternative therapies are covered with this one too.

    • Reply
      Pet Insurance U 01/21/2016 at 4:39 am

      Hi Vernon, and thanks for the comments! Yes, the $9-ish premium IS insanely cheap for PetPremium’s cheapest plan – but also keep in mind that policy only covers accidents. Good choice to shop around, and PetPlan can be a good one! We def. agree with Julian’s comment that points out importance of getting pets insured BEFORE they’re diagnosed with condition. NO plans we reviewed or even ran across cover pre-existing conditions. We’d also recommend reviewing a sample policy to check out all exclusions to make sure thyroid dysfunction would be covered. Good luck to you and Luci! P.S. Maine Coons are absolutely gorgeous!

    • Reply
      Julian Holst 12/30/2015 at 1:59 am

      I have not heard of anyone using PetPremium, but you’re right and you better get Luci in there before she gets diagnosed because then she’s going to have a pre-existing condition. Come to think of it, that’s a good thing to check before buying, to make sure they accept pre-existing conditions.

      • Reply
        Pet Insurance U 01/21/2016 at 4:43 am

        Hey Julian, and you are one wise insurance shopper with savvy tip to get pets insured BEFORE they’re diagnosed w/ any condition – or even before they show any signs of a condition without an official diagnosis. As we mentioned to Vernon, we don’t know of any pet insurance plans that cover pre-existing conditions. Thanks for input!

  4. Reply
    Julian Holst 12/30/2015 at 1:55 am

    Wow, this page is amazing!! All those hours of searching online and comparing these places. If only I’d known about this site sooner! I’ve always heard good things about Embrace, but this makes it possible to compare it with all the other best carriers out there. Woo hoo!

    • Reply
      Pet Insurance U 01/21/2016 at 5:11 am

      Thanks, Julian! All those hours of searching and comparing are SO worth it if it makes it easier for pet parents to make the big pet insurance decision. We also appreciate your comments and input. So glad to hear you’re getting good info from our site. Keep on coming back and keep on commenting!

  5. Reply
    Simon Thomas 12/30/2015 at 8:20 am

    Embrace is great. Reimbursed per vet bill and there are no annual limits. We have the comprehensive coverage for our English Mastiff, Henry. Mastiffs are at high risk for osteosarcoma (bone cancer) and lymphosarcoma. They also are at a high risk for gastrointestinal syndrome which causes extreme bloating which can lead to death very quickly.

    • Reply
      Pet Insurance U 01/21/2016 at 5:09 am

      Hey Simon and we’re impressed you took the time to learn so much about your breed. Nice! Ditto on finding pet insurance that’s working perfectly for you. Oh! one more thumbs up for Henry. English Mastiffs ALWAYS make us smile. What big, lovable pooches – and so wonderful yours has such a caring pop. Thanks for comments!

  6. Reply
    Kzoodad 01/25/2016 at 7:30 pm

    Thanks for the chart! It defiantly makes comparing all of the different pet insurance services easier. With the ever rising cost of pet bills having a little bit of a security blanket in the case of something catastrophic, will mean I don’t have to choose between my pet and my bank account. Thanks again for doing to he research for me!

  7. Reply
    Shalonda Gordon 01/26/2016 at 6:40 am

    First I want to thank you so much for putting this information together. Sometimes it can become frustrating when looking for the best plan for your loved one or ones.. and yes I say loved ones.. my German Shepherd, Diamond is my third child.. and I currently have her covered on an amazing plan.. yet I must admit when I signed up for it 3 years ago.. I had no idea if it was really great or not.. as I had no information to compare. I had no clue about pet insurance. I can say from experience that it is vital to the health of a pet. As I lost my Trinity (German Shepherd) back in 2006 to cancer, basically because I didn’t have a plan that could supplement the cost of chemo.. so at the time I believed my only option was to allow her to go on to Glory.. Yet this information shows clearly that anyone can afford some type of coverage for their baby.. Thanks again and keep smiling

  8. Reply
    Cora 01/27/2016 at 1:07 am

    Thank you so much for giving those examples of small details found in pet insurance plans! It was very helpful! I never considering looking at the exclusion list and would have normally just picked one of the cheapest options. I’m going to pay much more attention and look for things that might cost me an arm and a leg later on assuming they aren’t covered by the insurance. I didn’t have any problems with my little Sara but who knows? I want to be prepared and I won’t just get the cheapest option anymore (unless that’s the best one and it usually isn’t).

  9. Reply
    Parker Bennett 01/28/2016 at 3:10 pm

    I was looking at PetsBest and was wondering why in the world coverage limits vary so massively by state? Why is that? Please explain if possible.

  10. Reply
    katylady77 01/29/2016 at 4:02 am

    Thanks for the good list! I have put off going to the vet due to the cost, but many of these plans seem to be reasonable. I like the fact that you can choose one that is customized for your needs and that you don’t have to shop around. It’s nice that the info is all in one spot! Thanks again!

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