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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
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  • #2 Embrace
  • #1 Healthy Paws
  • #7 Nationwide
  • #3 Pets Best
  • #4 Pet Plan
  • #6 Pet Premium
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 nationwide pet insurance comparisonpetpremium pet insurance comparisonpetplan pet insurance comparisonpetfirst pet insurance comparisonpets best pet insurance comparisonembrace pet insurance comparisonhealthy paws pet insurance comparison
 Get QuoteGet QuoteGet QuoteGet QuoteGet QuoteGet QuoteGet 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

148 Comments
  1. Reply
    My-My James 11/09/2016 at 5:09 pm

    Wow I didn’t know there was so much in choosing a pet insurance plan. Are there any sites where I can choose the level of coverage that’s most important for my pet? There should definitely be one. Like a trivago for pet insurance. Your comparison chart at the top is an awesome start for new owners like me.

    I also love how detailed this article is. Many people just go for the cheapest option without understanding what they are getting into. What are the top pet insurance companies and why are they better than any others? What are some of the worst and why we should avoid them? Knowing some of that key pet insurance lingo helps to understand what our pets needs are and why. My friend just got a cat and is taking forever getting the poor thing pet insurance. She knows it’s important to shop around and to look for discounts but has no idea what any of the lingo means or what the cat needs. This makes it hard to do comparisons. We also saw all those myths stated on other sites and comments on other blogs as being true. So many people with contradicting information! Your article definitely bust all my myths. For example I definitely thought the higher the reimbursement the better. I like that your article explains everything out. I’m definitely going to send her this article. Thanks!
    P.S. How do you pick your insurance based on age trajectory? For example, you know your kitten is going to get older and her needs are going to change. How do you choose a plan knowing this when you aren’t sure of what she will need later on? I think this is the toughest part for me.

    • Reply
      Pet Insurance U 12/08/2016 at 8:29 pm

      My-My James great comment and question at the end. The best thing I can suggest for age trajectory is tailoring your insurance needs based on the age of your dog and research about a particular breed. Here at Pet Insurance U we are all about detailed directness and providing information in helping you make the best decision for your needs.

  2. Reply
    Alexandru Buf 11/17/2016 at 1:54 pm

    I never knew that the market was growing so fast when it comes to pet insurance. I have a welsh corgi and a bunny, maybe I will check out one of these options next time I travel with them. Sounds a lot like health insurance when you go on vacation, most of the time you don’t need it, but if you do it saves you a lot of money.

    • Reply
      Pet Insurance U 12/08/2016 at 8:18 pm

      Alexandru it’s great to know that even as you travel you would want your pet covered, you never know when an emergency can take place that’s why coverage is necessary for your furry friends, with so much information you are so able to be educated. Thanks for the comment!!!

  3. Reply
    Marion 11/19/2016 at 1:52 pm

    It´s very tricky to find the right health insurance for my dog. Your comparisons and explanations helped me a lot to be able to make the right choice!

    • Reply
      Pet Insurance U 12/08/2016 at 8:06 pm

      Hi Marion glad our comparison charts have helped you to make the right choice. Appreciate the feedback.

  4. Reply
    Stacy Karyn 11/20/2016 at 1:35 am

    I am SO glad that I stumbled upon this page! I can’t even imagine doing all this research on my own. And those are some awesome tips on how to keep premiums low! Thank you so much for providing such detailed information for us overwhelmed pet owners. 🙂

    • Reply
      Pet Insurance U 12/08/2016 at 8:08 pm

      Stacy we do our best to provide detailed information making this and easy experience for your individual needs. As always glad we could help.

  5. Reply
    Conney Phillips 11/20/2016 at 10:33 pm

    I got my new kitten Fifi about two weeks ago and have been wading through site after site of confusing information about pet insurance. Thank God I came across your site. Not only are the insurance companies given ratings according to what they offer, but there is loads of information on how to decipher the fine print which I think is often written in a confusing way on purpose.

    So far Healthy Paws is looking to be the best choice for Fifi, but I will follow up with an inquiry on the coverage for shots, spaying and regular checkups.

    • Reply
      Pet Insurance U 12/08/2016 at 8:05 pm

      Conney, glad we could be of service, here at Pet Insurance U we want to make your experience as non-confusing as possible. We want to make the experience as easy as possible with your continued research. Again glad we could be of service.

  6. Reply
    Terry darlington 06/14/2017 at 10:31 am

    It’s a miracle that i found your site. Your article saves me from making a wrong decision; I was considering a savings account for my husky emergency vet care. Now I know the benefit that comes with pet insurance. I must confess this is the first good review website I have seen on pet insurance. Now my puppy life is more secure with your information. Thanks dear.

  7. Reply
    Omer 06/15/2017 at 6:47 am

    It is a very informative article for a pet lover like me. The article made it easier to compare between the different pet insurance policies. Each company has its own benefits and features, but i personally like the personal paws policy more as it has a high overall score and low monthly cost as compared to other pet insurance policies, but still i want to ask that, Can I trust pet insurance reviews from consumer reports?

  8. Reply
    Manny 06/22/2017 at 3:57 pm

    Quite a beneficial and informative article. Thanks a lot for breaking down / making a brief overview of the various pet insurance plans . This helped me to make the right choice in selecting a plan for my puppy and minimize expenses.

  9. Reply
    Manni 06/22/2017 at 4:02 pm

    Quite a beneficial and informative article. Thanks a lot for breaking down / making a brief overview on the various pet insurance plans. This helped me to make the right choice in selecting a plan for my puppy and minimizing my expenses.

  10. Reply
    Manni 06/22/2017 at 4:07 pm

    Quite a beneficial and informative article. Thanks a lot for the break down / brief overview of the various pet insurance plans. This helped me to make the right choice in selecting a plan for my puppy and spending less in treatment.

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