Compare pet insurance companies 2021 |

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Compare pet insurance companies

Fetch your options based on your pet’s size, age and health profile.

Pet insurance helps you pay vet bills that keep your pet in tip-top health. Compare the top features and companies that protect your pet during life’s unexpected mishaps, giving you peace of mind for your furry friend’s healthcare. On each review, we highlight the policy’s fine print, giving you sample quotes and pinpointing out-of-pocket costs like your deductible and how much of the vet bill you’ll be reimbursed. We also give examples of covered medical conditions and exclusions to help you understand your pet’s coverage before you buy.

Pet insurance reviews

Tap on pet insurers to find out the company’s coverage options, features and benefits.

Compare top pet insurance companies

Name Product Pets covered Seniors accepted Hereditary conditions Chronic illness
Dogs, Cats
For $19/month, access 24/7 vet support and $3,000 for one pet emergency a year.
Dogs, Cats
Cover unexpected vet bills from emergency exams, injuries, surgery and more.
Dogs, Cats
Enjoy extra benefits with coverage for exam fees, curable conditions and wellness visit reimbursement.
Pet Assure
Dogs, Cats, Horses, Exotic pets
Save up to 25% on all vet bills including wellness and dental visits for as little as $10/month.
Pets Best
Dogs, Cats
Get up to 90% of your vet bills reimbursed directly into your bank account. Plus, access coverage options with no annual limit.

Compare up to 4 providers

How do pet insurance companies stack up to each other?

Every pet insurance company differs in how it approaches your coverage. See how these companies compare with top features and out-of-pocket costs:

CompanyTop featuresDeductibleReimbursementHighest annual limit
  • Three policy levels
  • Insures dogs, cats and other small animals
$25050%, 70%, 90%Unlimited or per-condition annual limits
  • Lowers deductible each year for healthy pets
  • Covers curable pre-existing conditions
  • Standalone wellness plans
$200 – $1,00070%, 80%, 90%$5,000 to $30,000
Healthy Paws
  • Can pay vets directly
  • Accepts senior pets
$100 – $50070%, 80%, 90%Unlimited
  • Insures cats, dogs and horses
  • Offers all types of pet insurance, including wellness
$100 – $50070%, 80%, 90%$3,000 to $10,000
  • High reimbursement rates
  • Free lost pet tool
  • App include claims, your account details and social features
$100 – $75070%, 80%, 90%, 100%$5,000 to unlimited

How to compare pet insurance companies

You want to do your due diligence when deciding which pet insurance company works for you and your beloved furry companion. Take a few steps to find the right policy:

1. Decide which type of policy works best for you.

Pet insurance policies come in multiple options with high and low levels of coverage. Types of policies to consider:

Types of pet insuranceDescription
Accident onlyCovers accidental injuries and illnesses like broken bones or eating a foreign object.

This policy is the cheapest type to buy.

Accident and illnessProtects your pet for both accidental situations and injuries or illnesses that develop over time.

Examples include upset stomach, ear infections, diabetes or cancer.

Wellness carePays for routine pet care like annual checkups, vaccines, preventive medication and routine screening.

This typically is added to other types of policies for an extra fee.

2. Consider out-of-pocket costs.

You’ll pay some vet costs yourself, either up front or if you max out your policy’s coverage. However, you can choose how much of that responsibility you bear. Here’s a list of out-of-pocket costs and options to think through:

  • Premiums. Consider how much can you afford to pay each month for a policy, minus any pet policy discounts you might qualify for.
  • Deductible. You’ll pay this cost yourself before your insurance kicks in for vet bills. Typical deductible options include $250, $500 or $1,000. Choose based on what you can afford to pay yourself, and consider the cost-benefit of the policy for a lower deductible.
  • Reimbursement. After the deductible, your pet insurance pays a portion of covered vet expenses, like 80% of the bill. You can choose reimbursement rates between 70% and 90%.
  • Policy limit. Your policy limit is the total amount of vet expenses that your insurance will cover within a specified time frame, and you get to choose which limit works for you. Most policies cover vet bills up to $5,000, $10,000 or $20,000, and some offer unlimited benefits.
  • Annual limit. An annual limit means that you’ll pay any expenses that go beyond your policy’s limit in one year. That limit will reset for the next year. So if you chose a $5,000 annual limit and your vet bills total $5,500 for the year, you pay the extra $500.
  • Per-condition limit. A per-condition limit means that your insurance will pay out for a specific condition like diabetes up to the policy limit. After you reach the limit, you’ll pay 100% of all vet bills for that condition. So if your policy has a $5,000 limit for diabetes, your insurance will pay up to $5,000 for diabetes for the lifetime of your policy.

3. List the top features that you and your pet need.

Next, figure out the main features you need a pet insurance company to offer. Examples of features you can look for:

  • Vet exam fees included
  • Coverage for senior pets
  • Coverage for healed pre-existing conditions, like a cured skin infection
  • Unlimited benefits so that you won’t max out your policy’s coverage

4. Look at reviews from all angles.

Review a pet insurer’s customer feedback on sites like the Better Business Bureau (BBB) and Trustpilot.

Then, consider business ratings from third-party companies like the BBB or the National Association of Insurance Commissioners. For financial ratings, you can look at how the company fares with AM Best.

5. Get quotes from several pet insurance companies.

For a well-rounded comparison, dig up details and quotes from three or more pet insurance companies before making a decision.

Bottom line

The right pet insurance policy will include the features that you need to keep your pet healthy and happy. Consider each company’s cost, coverage and benefits to find the perfect fit.

Frequently asked questions about comparing pet insurance companies

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