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Is Pet Insurance Worth It?
Pet insurance pays up to 90% of vet bills when your pet is sick or injured
Compare Pet Insurance
Our pet insurance comparison chart makes it easy to compare pet insurance plans. We’ve simplified each policy’s fine print and included vet-verified tips and warnings to help you choose. Healthy Paws is the #1 Choice.
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| 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 Avg. rating includes Yelp, BBB, consumer reviews & more |
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 |  Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
| Injuries Coverage for falls, being hit by car and other accidents. |
Covered |
Covered |
Covered |
Covered |
Covered |
Covered |
Covered |
| Illnesses Coverage for infections, cancer and other illnesses that are typically not genetic. |
 Covered on all plans except injury only plan |
Offers three levels of coverage, from injury-only to all conditions |
Covered |
Covered |
Covered |
Covered |
Covered |
| Hereditary conditions Genetic conditions common to specific breeds, often called breed-specific conditions. |
Has injury-only plan for lowest rates, advanced plans offer increased coverage |
Top-level plan covers heredity conditions |
Covered |
Coverage varies widely by state |
Coverage varies widely by state |
Covered |
Covered |
| Congenital conditions Conditions the pet is born with, even if symptoms don’t show for some time. |
Has injury-only plan for lowest rates, advanced plans offer increased coverage |
Top-level plan covers congenital conditions |
Covered |
Coverage varies widely by state |
Coverage varies widely by state |
Covered |
Covered |
| Prescription medications Most plans cover prescription medications as standard, although one plan requires a rider. |
Covered |
Covered |
Covered |
Covered |
Covered |
Covered with optional rider |
Covered |
| Alternative therapies Chiropractic, acupuncture, physical therapy and other non-traditional treatments. |
Yes |
Level 3 plan covers alternative therapies |
Yes |
Yes |
Yes |
Covers greatest amount of alternative therapy types |
Yes |
| Wellness option Routine care coverage often available with plan add-on or rider. |
Yes |
Yes |
 Lack of wellness option can keep premiums lower |
Yes |
Yes |
Yes |
Lack of wellness option can keep premiums lower |
| Flexible deductible | $100 to $500 for medical; $250 for emergency plan |
$100, $250, $500 |
$0 to $1,000 |
$50 to $500 |
$50, $100 or $200 per condition |
$100 to $1,000 |
$100 to $500 |
| Annual deductible | $100 to $500 for medical; $250 for emergency plan |
$100, $250, $500 |
$100 to $2,500 |
$50, $100, $250, $500 |
$0 to $1,000 |
$100 to $1,000 |
$100 to $500 |
| Choose reimbursement Reimbursements can range from 70 to 100 percent of the bill; some are set at 90 percent only. |
Varies by treatment for basic and major medical; 90 percent of vet bills for Whole Pet plan |
70 to 90 percent of vet bill |
70 to 90 percent of the vet bill |
70 to 90 percent of the vet bill |
70 to 90 percent of vet bill |
65 to 90 percent of vet bill |
70 to 90 percent of vet bill |
| Reimbursed per vet bill Reimbursements can apply to vet bill or set benefit schedule. |
Top plan reimburses per vet bill, others reimburse per schedule |
Reimbursements are based on actual vet bill |
Reimbursements are based on actual vet bill |
Reimbursements are based on actual vet bill |
Reimbursements are based on actual vet bill |
Reimbursements are based on actual vet bill |
Reimbursements are based on actual vet bill |
| No annual limits Some plans place limits on the amount of reimbursements per year. |
Injury-only plan: $14,000; no annual limit on medical plans |
Unlimited option available |
Choose $2,500 to unlimited |
|
$5,000 to unlimited |
$5,000 to $15,000 |
No annual limits on any plan |
| No lifetime limits Some plans place limits on the amount of reimbursements over the lifetime of the policy. |
No lifetime limits on any plan |
No lifetime limits on any plan |
No lifetime limits on any plan |
|
Limits capped at $5,000 to $200,000, depending on plan |
No lifetime limits on any plan |
No lifetime limits on any plan |
| No limits per condition Some plans place limits on the amount of reimbursements per condition. |
Limits per schedule per year for basic and major medical; no limits for whole pet plan |
$2,500, $3,000 or $5,000 |
No per-condition limits on any plan |
|
No per-condition limits on any plan |
No per-condition limits on any plan |
No per-condition limits on any plan |
| Covered for life Coverage over the lifetime of your pet if enrolled by certain age and policy is continuously renewed. |
If enrolled before age 10 |
All pets are covered for life |
All pets are covered for life |
|
All pets are covered for life |
If enrolled before age 6 (purebreeds) or 8 (mixed breeds) |
If enrolled before age 14 |
| No upper age limit Some plans only accept pets under a certain age, although the age limit may be as high as 10 or 14. |
Pets under 10 |
Pets under 12 |
No age limits |
|
No age limits |
Pets under 14 |
If enrolled before 14 |
| Discounts available Discounts can be offered for being a member of an organization, paying annually, enrolling more than one pet and other situations. |
No Discounts |
Paying annually |
online registration, Military personnel, Medical service pets |
online, Military, multipet, paying in full |
online, military,service dog, multipet, microchip |
Spayed or neutered; direct withdrawal; paying annually, Healthy Pet Deductible reduction when do not file claims |
Microchipped, member of organization (i.e. AAA), military, others |
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*Quotes based on 1-year-old, male, medium-sized mixed breed dog in California zip code 90017 as of January 1, 2019. (For more information, read our “Best Pet Insurance in California “).