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.

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
  •  

–>

–>

–>

–>

–>

–>

–>

–>

–>

–>

–>

–>

–>

–>

–>

–>

–>

–>

–>

–>

–>

–>

–>

–>

–>

–>

–>

 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
    Erin Floyd Smith 10/27/2016 at 4:47 am

    I am so glad I found this article! Figuring out insurance for humans is hard enough. I have had such a difficult time finding out how to protect my bank account should something happen to my furbabies! This article laid everything out so nicely, I feel like I can make a truly educated decision.

    • Reply
      Pet Insurance U 10/31/2016 at 3:18 am

      Great, Erin! That’s our goal :). There’s a lot of information on the web about pet health insurance, and we want to help owners make the best decision for themselves and their pets.

  2. Reply
    john 10/29/2016 at 12:12 am

    Hi all, Really the above posts matters a lot. Thank you everyone for your valuable information. I am learning more about the pros for pet insurance and the price comparison too.

    • Reply
      Pet Insurance U 10/31/2016 at 3:17 am

      You’re welcome, John. Sorting through all of the information on pet insurance can be tedious, so we’re glad to help in any way that we can.

  3. Reply
    Sarah Bott 10/29/2016 at 12:14 am

    Great article. I was getting ready to sign up with Embrace and did not know about losing coverage for older dogs. I just signed up with Petsplan and spoke with a guy named Richard that was very helpful. I also just dropped my very expensive VPI insurance. VPI does a great job marketing to large companies which is how I signed up. Shame on me for not doing more research on looking at VPI on the front end.

    • Reply
      Pet Insurance U 10/31/2016 at 3:16 am

      That’s great feedback, Sarah. Thanks for sharing. VPI pet insurance hasn’t received very good reviews in the past, so we’re glad you and your pet are in better hands now.

  4. Reply
    AK Sevi 10/29/2016 at 4:39 am

    We have four mixed breed dogs and cancelled our Pet insurance with PetInsur last year. Only because we wanted to look around and actually evaluate our monthly insurance costs against our actual yearly vet bills. So far it sort of balanced out with what we had paid over the year against what we had claimed. Our’s was a Co-Pay and I think it was 75% reimbursement against what we paid which was 25%. It was really tricky when we actually had emergency vet visits and didn’t have much money on the spot, as we found out that we had to pay the vet in full then submit our claim, await for approval (which could take up to 30 days) then if approved we would get this reimbursed. It wasn’t until I read this article that I realized all the fine details that we didn’t pay attention to when we signed up on our policy. Ours included the wellness cover which we really didn’t need because all our dogs had been spayed and our yearly vaccinations are less than $30.00 for each. With our boys now all turning 3 (yes they are all the same age) we will definitely consider another plan. Where should I start with trying to find insurance for multiple dogs?

    • Reply
      Pet Insurance U 10/31/2016 at 3:15 am

      Hi AK, some pet insurance companies offer discounts for multiple dogs. When you get a quote for one dog, you can add your other two at the same time. The quote will show you your discount for all 3. Healthy Paws and Embrace reviews have been consistently good; we recommend starting with them to see your options. Some plans allow for pre-approval which means the pet insurance company will pay the vet directly, so you don’t have to pay out of pocket and await reimbursement.

  5. Reply
    FourReal 10/31/2016 at 2:44 pm

    my insurer actually isnt on here which is a worry haha i was actually considering changing to something without an upper age limit for the unrestricted plans because my poor cat Magic is getting older and older.. the chart was very helpful thank you.

    • Reply
      Pet Insurance U 12/13/2016 at 8:16 pm

      FourReal, sorry about that but we are glad that we can offer something. We are glad that the chart has helped you. If there is anything we can help you with further in your pet insurance needs, please let us know. We are here to help 😉

  6. Reply
    E 11/03/2016 at 7:31 pm

    With so many plans out there now, it is nice to have a “one stop shop” of sorts to concisely and effectively compare all the many insurance options. This was especially useful for me, as I have both a geriatric and younger cat, who need/qualify for slightly different insurance services. Individually tracking down each company, and price/plan checking one by one is far too time consuming; the infographic at the top made this much less of a bother. It was nice to see there are actually some quite affordable plans for someone like me who is on a tight budget and once thought pet insurance was a luxury I simply couldn’t afford. I will be recommending this site to all of my pet owner friends!
    Thank you much <3
    E

    • Reply
      Pet Insurance U 12/13/2016 at 8:13 pm

      E., we thank you for the feedback. We are all about providing information that helps you in making informed decisions on pet insurance. We provide information on many companies that will cater to your budget making it easier on the bank. Yes this can be time consuming but we take care of this by offering charts and info-graphics that are easy for you to read and navigate. We thank you for the feedback and recommendation. You are definitely welcome.

  7. Reply
    Sunny 11/03/2016 at 7:36 pm

    Healthy Paws definitely looks like the best option for me. I just adopted a chihuahua, Lubo, and I’m not exactly sure how old he is. When I got him, the owners said they thought he was around 10, but based off of how energetic he is, I’m thinking he’s a lot younger. The thing is, he really likes to jump off of my bed and the couch, and I don’t think his little legs can take it! When he first got here, he jumped of the couch, and he was limping for the rest of the day. I felt so bad, and I don’t want him to hurt himself anymore. I will feel better knowing I have pet insurance, especially one that offers so much for so little! Thank you for this article and chart, it was extremely helpful!

    • Reply
      Pet Insurance U 12/13/2016 at 8:02 pm

      Sunny, great to hear that Healthy Paws is great. Congrats on the adoption on the chihuahua but we are sorry to hear about the injury. Our puppies can be a handful at times especially Chihuahua’s. That’s why it is important to have your pet covered because of scenarios such as what you described. We are glad to know that our articles and charts have helped you in your decision making.

  8. Reply
    Cheska J 11/04/2016 at 1:40 pm

    New pet owner here. My friend gave me a Chihuahua as a new “you’re living on your own — you’re now away from your parents gift”. I am continuously browsing for the best Pet insurance plans available on the market today. This is awesome that you gave in the time to compare the plans to make it clearer for us. Really interesting how companies can charge so much yet give poor services. I’m going to dig more on the top 3 suggestions right there. The prices are reasonable as long as they provide what they say. Thanks for this! Really appreciate it.

    • Reply
      Pet Insurance U 12/08/2016 at 7:10 pm

      Cheska we hear you loud and clear, but here at Pet Insurance U, what you see is what you get. It’s great to hear that you have also narrowed down to the top 3 companies. We really hope that you come to a decision here that works for you and fits your budget. Again, we are glad we could help.

  9. Reply
    Stalwart Stalwart 11/04/2016 at 3:37 pm

    Hello, thank you for your guide, it’s very clear.
    I followed it and now I have everything ready, I got this site from my pals since I clearly can’t do this by myself, I depend on guides. So if a guide tells me that this is the thing, I have to try that. As mentioned, I have tried every guide but this will be the best because it is very explanatory. Such a great work you’ve have done in putting this together. Cheers

    • Reply
      Pet Insurance U 12/08/2016 at 8:35 pm

      Stalwart thanks for the feedback we are glad that your friends passed this information on to you and that our simple informative guides have helped. Thanks for the positive feedback.

  10. Reply
    Martin 11/08/2016 at 5:09 pm

    I can only say thanks for preparing this overview! We are thinking about getting a small dog for my little daughter. At the pet shop they recommended us an insurance, but I still wanted to make some comparison.

    Your website has saved literally some hours of internet research. With the options you listed here will save at least 30% from what the shop offered us. Great information. Thanks again.

    • Reply
      Pet Insurance U 12/08/2016 at 6:57 pm

      Martin, we appreciate the feedback and glad to know that we where able to provide you with insight in helping you to make a decision for your pet’s insurance. We are glad that we have saved you time and hopefully money. Thanks again for the comment.

1 2 3 4 5 12

Leave a reply