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:
- 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
|Get Quote||Get Quote||Get Quote||Get Quote||Get Quote||Get Quote||Get Quote
(10% Off Today)
|Monthly Cost Basic Coverage||$48.22
|Monthly Cost Best Coverage||$65.66
|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|
|Reimbursed per vet bill|
|No annual limits|
|No lifetime limits|
|No limits per condition|
|Covered for life|
|No upper age limit|
|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
Pet Insurance Comparison Chart: Important Definitions
A maximum amount of money you can be reimbursed every year. Some pet insurance policies have them; others don’t.
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.
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.
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.
A maximum amount of money you can be reimbursed over the lifetime of your pet insurance policy.
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.
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.
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.
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