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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.
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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 comparisonpetpremium pet insurance comparisonpetplan pet insurance comparisonpetfirst pet insurance comparisonpets best pet insurance comparisonembrace pet insurance comparisonhealthy paws pet insurance comparison
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(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 $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


injury coverage



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.


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


Healthy Paws saved his parents


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.


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.

Real Cost Savings from Healthy Paws Clients


Healthy Paws saved his parents


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

  1. Reply
    Momi Nul 03/20/2016 at 1:21 pm

    We suggest this web page to all of our friends! My associate and I came across the important points so useful when making our option to buy policy your pet strategy, that we had to tell all of the pet parents we know. Our buddy has four mature creatures, and she was under the impact that no insurance plan policy strategy strategy would protected all of their needs. She went to this web page and was so thankful to see wrong!

  2. Reply
    Jane 03/20/2016 at 10:00 pm

    This comparison chart is really helpful. I have friends who breed and show basenjis, and I wonder if they know that plans like Pets Best and trupanion offer coverage for pregnancy care. I’m going to send them the link! For my own purposes, it’s good to know about the options for paying a higher deductible but a lower monthly payment–this makes a lot of sense for me in terms of keeping my monthly bills in a reasonable range while also being sure that I could afford to care for my cats if something traumatic should happen, be it illness or accident.

  3. Reply
    Martyna P. 03/20/2016 at 11:51 pm

    I’ve been looking for a good insurance for my pet for a while, and then I stumbled upon this article. Such valuable information! Your article covers all the doubts and questions I had in my mind – mainly about the price vs usefulness thing. I’m a student, I can’t afford a high-priced insurance, but then I felt like I was stingy for my own pet. I have read many insurance plans from different companies and it just created a mess in my head. Now, thanks to your article, the whole insurance thing seems clearer to me. Indeed, I don’t plan that my pet has puppies, so I don’t need the pregnancy care plan. The Healthy Paws insurance plan seems decent, it covers necessary things, has high ratings from the customers and the price is affordable for me. I have to think about it for a while, but at least everything is clear to me now. Thank you so much for this article! It’s a great help for someone like me.

  4. Reply
    Jim Liston 03/21/2016 at 3:42 pm

    I didn’t realize how many different pet insurance policy options are available! It would be almost impossible to make a decision without the help of this website. Because of all the hard work you’ve put into it, you’ve made it all so much clearer. I’ve narrowed it down to three companies and will use your great tips to make sure that I only get the coverage that I need. I have multiple pets and plan to make a payment yearly instead of monthly so that should help lower the cost. Thanks!

  5. Reply
    Kendra Justine 03/21/2016 at 3:58 pm

    My last pet insurance policy had a per-condition deductible. I really did not enjoy that. I don’t think that it was the right insurance for my pet at the time. I had no idea of the different aspects to consider when choosing a policy. I was just happy to have insurance for my dog, but it ended costing a lot in the end. I eventually got rid of the policy because it was more economical to only take him when he needed routine and wellness care. I have a cat now, and I do want to get him insurance. From this list, Nationwide seems to be the perfect fit. I’m going to make sure I read the fine print before deciding this time. I want to make sure I choose the best option for me and my pet.

  6. Reply
    Eric Baker 03/22/2016 at 5:12 am

    I looked at this site before picking out the best coverage for my pet cat, a wonderful caring creature. I wanted to make sure that she was protected under an insurance plan that would take care of her and not hold her hereditary condition against her. For the most part she’s healthy but occasionally she’ll break out in a rash right in the back of her head. Since she can’t reach it causes her great pain, meowing into the night. Before I had Healthy Paws, I worried about calling my local vet outside of regular business hours. Thanks to Healthy Paws that is no longer a concern. She’s getting a bit older too so for a while I also was considering Pets Best, due to its larger deductible and high annual limit. Ultimately though, while that plan did have a number of benefits, its inability to cover hereditary conditions led me to Healthy Paws.

  7. Reply
    Amy H. 03/22/2016 at 5:47 pm

    The “tricky true and false” basically summarizes why I’ve never bought pet insurance. It feels overwhelmingly complicated and as with all insurance, it’s hard to determine if the cost will be worth it. These charts are really helpful, though. I know what my biggest concerns are with my dog (a feisty pit bull), and this breaks down how I should go about shopping for a plan.

    I imagine that any coverage is better than none, with premiums so low.

  8. Reply
    comment_blog 03/22/2016 at 8:42 pm

    This website is the best so far, i love the plans on this webpage because it is easy to follow. The insurance plans solve many issues pet can face.
    It is good for pet owner to locate good pet insurance within the area that he is. My dog can now leave healthy life with this pet insurance plans. I will like to go for the healthy paws which covers all. And i can now rest assure of the insurance of my pet.

  9. Reply
    Kristina 03/23/2016 at 12:03 am

    I love how detailed is this article because it really saved my time from making a research. I am owner of a very beautiful dog and I decided to get a pet insurance because sometimes all the costs that I have for my pet are really huge if you actually pay more attention to it.
    I paid more attention to all the details in the article and I think it would be the best to get the insurance as soon as possible because sometimes my dog face some illness and injuries for which the bills are big. I want to go with a pet insurance which is reliable and with great services and yet not very costly. That’s exactly why I decided to go with PetPremium. Thanks for all the info guys!

  10. Reply
    Bryce Rae 03/23/2016 at 5:33 am

    Wellness coverage is an interesting part .As mentioned with young pets, vaccinations are essential and can be expensive. There are many differences. But one thing I’m glad to see is that all these policies cover injury and choosing your own vet. Injury could really hurt you financially if /when not covered. I think this is the most important thing to look for in a policy.

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