Is Pet Insurance Worth It?

Having pet insurance is a great idea if you don’t want to pay large sums of money if your dog becomes sick or injured. But is having pet insurance worth it? How much does pet insurance cost? Before you purchase any of the pet health insurance plans, ask yourself the following questions: Do I have enough savings to pay upfront if my pet ends up needing emergency treatment? Does my state allow me to get reimbursed in case something happens to my pet when he’s away from home? What is the coverage level of this provider (80% – 100%)? Is it a good deal compared to other providers? Does my pet have ongoing health issues that will require treatment in the future? levels, which means no reimbursement if my pet is sick? Ask yourself these questions to see if pet insurance is worth it. You can also explore the point of view of veterinarians. Talk to your vet, ask them about it! Veterinarians, pet parents, and of course us, always recommend getting pet insurance. Read full article

Compare Pet Insurance

With More Confidence

Updated JULY 2026

Compare Pet Insurance

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Easily choose coverage that fits your pet's needs and your budget.

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Provider Rating Deductible Age Limit

4.9 (19,969)

$100 – $1,000 annually

At least 6 weeks old to enroll

4.9 (19,969)

Deductible $100 – $1,000 annually

Age Limit At least 6 weeks old to enroll

Cost Per Month $13 – $100, depending on your chosen plan.

Coverage You have a co-pay of 10%, 20% or 30% after your deductible, depending on your chosen plan. The pay-out amount is based on your actual vet bill.

Payout Limit Annual limit of $2000, $5000, $10,000 or $15,000.

Waiting Period There is a two-week illness waiting period, which begins on your policies’ effective date. Orthopedic conditions have additional Waiting or exclusion periods that vary by state.

What is Covered?

Accident And Injury $10,000 limit

Emergency Visits $10,000 limit

Congenital Or Hereditary Conditions $10,000 limit

Illness $10,000 limit

Prescription Drugs $10,000 limit

Vet Exam Fees $10,000 limit

Wellness Cover $250, $450, and $650

Hospitalization $10,000 limit

Surgery $10,000 limit

Cancer Treatments $10,000 limit

Specialists $10,000 limit

Outpatient Care $10,000 limit

Medical Imaging $10,000 limit

Lab Tests $10,000 limit

Rehabilitation $10,000 limit

Dental Trauma $10,000 limit

Dietary Supplements As part of our wellness plan - $250 limit

Prosthetics $10,000 limit

Bilateral Conditions $10,000 limit - There is a bilateral exclusion on pre-existings. If one side is pre-existing, then so is the other side.

Organ Transplants $10,000 limit

Behavioral Treatments $10,000 limit - Must be performed by a licensed vet

Continual Care $10,000 limit

Foreign Object Ingestion $10,000 limit

End of Life: Burial and Cremation $250 limit

End of Life: Euthanasia $10,000 limit

Travel Coverage $10,000 limit - Accidents and Illnesses while travelling abroad would be covered. Travel related expenses and travel interruption are not.

Request a quote Embrace — pricing details, plan comparisons & more

4.9 (11,350)

$250, $500 or $750 annually

At least 8 weeks old to enroll

4.9 (11,350)

Deductible $250, $500 or $750 annually

Age Limit At least 8 weeks old to enroll

Cost Per Month $15 – $80, depending on breed, zip code, age of pet and choice of deductible and co-pay.

Coverage One plan covers accidents, illnesses, cancer, emergency care, genetic conditions, alternative care and more. You can choose a co-pay of 10%, 20%, 30% or 40%. The pay-out amount is based on your actual vet bill.

Payout Limit No per incident, annual or lifetime pay-out limit.

Waiting Period Coverage begins 15 days after your policy starts. There is a 12-month waiting period for hip dysplasia claims.

What is Covered?

Accident And Injury Unlimited

Emergency Visits Unlimited

Congenital Or Hereditary Conditions Unlimited

Illness Unlimited

Prescription Drugs Unlimited

Hospitalization Unlimited

Surgery Unlimited

Cancer Treatments Unlimited

Specialists Unlimited

Outpatient Care Unlimited

Medical Imaging Unlimited

Lab Tests Unlimited

Rehabilitation Unlimited

Dental Trauma Unlimited

Dietary Supplements Unlimited

Prosthetics Unlimited

Bilateral Conditions Unlimited

Continual Care Unlimited

Foreign Object Ingestion Unlimited

End of Life: Euthanasia Unlimited

Travel Coverage Unlimited - Travel is included while traveling in the US or Canada

Vet Exam Fees

Wellness Cover

Organ Transplants

Behavioral Treatments

End of Life: Burial and Cremation

Request a quote Healthy Paws — pricing details, plan comparisons & more

4.9 (5,875)

$250, $300 or $500 annually

At least 6 weeks old to enroll

4.9 (5,875)

Deductible $250, $300 or $500 annually

Age Limit At least 6 weeks old to enroll

Cost Per Month Plans average $35/month for dogs and $25 /month for cats

Coverage You choose a reimbursement level of 70%, 80% or 90% after your deductible.

Payout Limit Annual limit of $5,000, $10,000 or unlimited depending on your chosen plan.

Waiting Period Fetch’s waiting periods are up to 15 days for accidents and illnesses and six months for orthopedic events.

What is Covered?

Accident And Injury The cost of veterinary treatment when your pet gets hurt. Injuries can range from cuts and foreign object ingestion to broken bones and ACL ruptures.

Emergency Visits Treatment at licensed emergency veterinary clinics anywhere in the U.S. or Canada.

Congenital Or Hereditary Conditions Not all providers cover medical conditions linked to breed, like breathing problems in French bulldogs or kidney stones in Burmese. We do.

Illness The cost of veterinary treatment when your pet gets sick. Illnesses can range from vomiting, diarrhea, and urinary tract infections to heart disease or cancer.

Prescription Drugs We cover medicines like antibiotics and insulin, as well as natural supplements like vitamins and herbal therapies, when they’re recommended by a vet to treat a new injury or illness. Preventive drugs, like heartworm or flea and tick medication, are not included.

Vet Exam Fees Every sick visit comes with an exam fee, which can be around $50 - $250. We cover those exam fees for you. Not all providers do.

Wellness Cover Only covered if you buy the optional endorsement.

Hospitalization Overnight stays at a licensed veterinary hospital anywhere in the U.S. or Canada for treatment, monitoring, or further testing.

Surgery The cost of veterinary treatment when your pet gets hurt. Injuries can range from cuts and foreign object ingestion to broken bones and ACL ruptures.

Cancer Treatments The cost of veterinary treatment when your pet gets sick. Illnesses can range from vomiting, diarrhea, and urinary tract infections to heart disease or cancer.

Specialists Treatment by licensed veterinary specialists including, but not limited to, orthopedists, oncologists, orthodontists and cardiologists.

Outpatient Care Treatments including, but not limited to, hydrotherapy, laser, underwater treadmill, kinesiotherapy, land-based exercise, massage, stretching and electrical stimulation administered by a vet to treat an injury or illness.

Medical Imaging Tests performed or prescribed by a vet to help diagnose an injury or illness. Diagnostic tests can range from blood tests and urinalysis to MRIs and ultrasound.

Lab Tests Tests performed or prescribed by a vet to help diagnose an injury or illness. Diagnostic tests can range from blood tests and urinalysis to MRIs and ultrasound.

Rehabilitation

Dental Trauma We cover injury and disease in every adult tooth, not just the canines. Not all providers do. Plus, you get full coverage for periodontal disease (the most common disease in dogs and cats), oral tumors, trauma, and more.

Dietary Supplements Any non-prescription medicinal substance, including but not limited to nutraceuticals, vitamins and herbal medicines, that a veterinarian recommends for the treatment of an injury or illness.

Prosthetics We don't have any specific limitations on this. We cover vet-recommended treatments deemed medically necessary as long as it's unrelated to a pre- existing condition.

Bilateral Conditions Bilateral exclusions can apply to other parts of the body.

Organ Transplants We can cover organ transplants as long as medically necessary and first pre-authorized and approved by us.

Behavioral Treatments Consultations with a vet to diagnose and treat behavioral disorders including, but not limited to, aggression, separation anxiety or phobias. Covered up to $1,000 per year.

Continual Care Once we approve coverage for a condition, we will continue covering expenses for that condition for as long as the policy is active and maintains continuous coverage.

Foreign Object Ingestion

End of Life: Euthanasia We cover euthanasia as long as it's vet recommended and unrelated to a pre-existing condition.

End of Life: Burial and Cremation We do not cover any after passing expenses such as burial or cremation.

Travel Coverage We don't cover any travel fees, though we do have the vacation cancellation special coverage. This will reimburse up to $1,000 for any travel and accommodation costs you cannot recover if you have to cancel or cut short vacation during the policy period because your pet is injured or shows the first clinical sign(s) of an illness while you are away or up to seven (7) days before you leave, and as a result requires immediate lifesaving veterinary treatment.

Request a quote Fetch — pricing details, plan comparisons & more

4.9 (55,033)

$0 to $1,000 per condition

Can enroll pets from birth

4.9 (55,033)

Deductible $0 to $1,000 per condition

Age Limit Can enroll pets from birth

Cost Per Month Your monthly premium is determined by multiple factors including your pet’s species, gender, breed, age, zip code, and the deductible amount you choose if your policy allows.

Coverage Depending on your plan, the Trupanion policy pays up to 100% of your vet bill for all eligible expenses. There are unlimited payout limits, always and Trupanion will never increase or cancel your coverage because of claims you submit. Coverage includes new accidents and illnesses, hereditary, congenital, and chronic conditions, diagnostic tests, hospital stays, and much more. Trupanion prides itself on paying out more on the dollar than any other provider and has paid out nearly $2 billion in claims to date.

Payout Limit The Trupanion policy* has no payout limits, so whether your pet needs one quick visit or a lifetime of care, your coverage won’t quit. That can mean a big difference if your pet develops a chronic condition requiring extended care like allergies, diabetes, or even cancer.

Waiting Period Waiting periods vary by state. Please see your states policy for full coverage details. However, other providers may have additional waiting periods for congenital conditions like hip dysplasia, Trupanion does not.

What is Covered?

Accident And Injury Unlimited

Emergency Visits Unlimited

Congenital Or Hereditary Conditions Unlimited

Illness Unlimited

Prescription Drugs Unlimited

Hospitalization Unlimited

Surgery Unlimited

Cancer Treatments Unlimited

Specialists Unlimited

Outpatient Care Unlimited

Medical Imaging Unlimited

Lab Tests Unlimited

Rehabilitation Unlimited with Recovery & Care Rider

Dental Trauma Unlimited

Dietary Supplements Unlimited

Prosthetics Unlimited

Bilateral Conditions Unlimited

Organ Transplants Unlimited

Behavioral Treatments

Continual Care Unlimited

Foreign Object Ingestion Unlimited

End of Life: Burial and Cremation

Vet Exam Fees

Wellness Cover

End of Life: Euthanasia

Travel Coverage

Request a quote Trupanion — pricing details, plan comparisons & more

4.9 (15,305)

$50 – $1,000 annually

At least 7 weeks old to enroll

4.9 (15,305)

Deductible $50 – $1,000 annually

Age Limit At least 7 weeks old to enroll

Cost Per Month $6 and up, depending on your chosen plan.

Coverage Accident and Illness plans with optional reimbursement levels of 70%, 80%, or 90% after the deductible. Flat Rate Accident coverage for $9/month for dogs and $6/month for cats. (Available in most states). Two optional Wellness plans to cover routine care. 24/7 Pet Helpline, powered by whiskerDocs is included on all policies. The pay-out amount is based on your actual vet bill. Reimbursements are sent directly to CareCredit credit card when chosen as your default reimbursement method. Choose to have your eligible claim payment reimbursed directly back to your CareCredit card.

Payout Limit $5000 -Unlimited annual limit, depending on your chosen plan. Unlimited lifetime limits.

Waiting Period A waiting period refers to the amount of time after enrolling before your pet is eligible for coverage. Waiting periods vary by the type of coverage and start on the effective date of your policy. Once met, waiting periods are waived for continuous, uninterrupted policy renewals. Pets Best offers some of the shortest waiting periods in the industry following the policy effective date. Get a quote for specific information on waiting periods in your state.

What is Covered?

Accident And Injury Up to limit selected ($5,000- unlimited)

Emergency Visits Up to limit selected ($5,000- unlimited)

Congenital Or Hereditary Conditions Up to limit selected

Illness Up to limit selected

Prescription Drugs Up to limit selected

Vet Exam Fees

Wellness Cover Up to limit selected if optional additional coverage plan available

Hospitalization

Surgery Up to limit selected

Cancer Treatments Up to limit selected

Specialists Up to limit selected

Outpatient Care Up to limit selected

Medical Imaging Up to limit selected

Lab Tests Up to limit selected

Rehabilitation

Dental Trauma Up to limit selected

Prosthetics Up to limit selected

Bilateral Conditions If pre-existing, not covered

Behavioral Treatments Exam and Rx only

Continual Care Up to limit selected

Foreign Object Ingestion Up to limit selected

End of Life: Euthanasia Up to limit selected

Travel Coverage Canada, Puerto Rico, and US Territories

Dietary Supplements

Organ Transplants

End of Life: Burial and Cremation

Request a quote Pets Best — pricing details, plan comparisons & more

4.8 (25,650)

$0 to $1,000 annually

No age restriction to enroll

4.8 (25,650)

Deductible $0 to $1,000 annually

Age Limit No age restriction to enroll

Cost Per Month Policies start at approximately $12 per month.

Coverage Nationwide offers a variety of plans offering varying levels of coverage. The company’s most popular plan, Whole Pet with Wellness, offers 90% reimbursement for accident, injury, illness and wellness care, inclusive of exam fees. All Nationwide members have complimentary 24/7 access to vethelpline.

Payout Limit Depending on the plan selected, there may be annual benefit limits or per incident benefit allowances. There is no annual limit for the company’s most popular plan, Whole Pet with Wellness.

Waiting Period 14-day waiting period after application approved and payment of premium is received.

What is Covered?

Accident And Injury Unlimited

Emergency Visits Unlimited

Congenital Or Hereditary Conditions Unlimited

Illness Unlimited

Prescription Drugs Unlimited

Vet Exam Fees Unlimited

Wellness Cover Unlimited

Hospitalization Unlimited

Surgery Unlimited

Cancer Treatments Unlimited

Specialists Unlimited

Outpatient Care Unlimited

Medical Imaging Unlimited

Lab Tests Unlimited

Rehabilitation Unlimited

Dental Trauma Unlimited

Dietary Supplements Unlimited - if prescribed by veterinarian to treat a condition

Prosthetics Unlimited - if prescribed by veterinarian to treat a condition

Bilateral Conditions Unlimited - conditions affecting both sides of the body

Organ Transplants Unlimited

Behavioral Treatments Unlimited - if prescribed by veterinarian to treat a condition

Continual Care Unlimited

Foreign Object Ingestion Unlimited

End of Life: Burial and Cremation Unlimited

End of Life: Euthanasia Unlimited

Travel Coverage Unlimited - medical coverage only while travelling away from home. Cancellation of trip due to pet's illness is not covered

Request a quote Nationwide — pricing details, plan comparisons & more

4.8 (2,854)

$100, $250 or $500 annually

At least 8 weeks old to enroll

4.8 (2,854)

Deductible $100, $250 or $500 annually

Age Limit At least 8 weeks old to enroll

Cost Per Month Monthly rates start at $10 for Accident only and $16 for Accident & Illness coverage. Those rates vary based on species, age, breed as well as your location.

Coverage We cover based on the actual vet bill and have options for 90%, 80% or 70% reimbursement.

Payout Limit We offer limits of $2,500, $5,000, $10,000, $15,000, $20,000 and an unlimited plan. There are no lifetime limits with any option you choose.

Waiting Period For our accident & illness plans (essential & ultimate), we have a 14-day waiting period. Our accident-only policy only has a 5-day waiting period. There is no waiting period for wellness coverage.

What is Covered?

Accident And Injury $2,500 - Unlimited

Emergency Visits $2,500 - Unlimited

Congenital Or Hereditary Conditions

Illness

Prescription Drugs $2,500 - Unlimited

Vet Exam Fees $2,500 - Unlimited

Wellness Cover $2,500 - Unlimited

Hospitalization $2,500 - Unlimited

Surgery $2,500 - Unlimited

Cancer Treatments $2,500 - Unlimited

Specialists $2,500 - Unlimited

Outpatient Care $2,500 - Unlimited

Medical Imaging $2,500 - Unlimited

Lab Tests $2,500 - Unlimited

Rehabilitation $2,500 - Unlimited

Dental Trauma $2,500 - Unlimited

Dietary Supplements $2,500 - Unlimited

Bilateral Conditions $2,500 - Unlimited

Organ Transplants $2,500 - Unlimited

Behavioral Treatments $2,000

Continual Care $2,500 - Unlimited

Foreign Object Ingestion $2,500 - Unlimited

End of Life: Burial and Cremation $2,500 - Unlimited

End of Life: Euthanasia $2,500 - Unlimited

Travel Coverage $2,500 - Unlimited

Prosthetics

Request a quote Prudent Pet — pricing details, plan comparisons & more

4.8 (833)

$100, $250 or $500 annually

At least 8 weeks old to enroll

4.8 (833)

Deductible $100, $250 or $500 annually

Age Limit At least 8 weeks old to enroll

Cost Per Month Policies start at $10/Month

Coverage Accident and Illness coverage, with optional wellness package at reimbursement levels of 70%, 80%, or 90% after the deductible.

Payout Limit Lemonade Pet Insurance benefits cap off between $5,000 and $100,000, depending on how users set up their policy.

Waiting Period All Lemonade pet policies have a series of waiting periods: -2 days for accidents -14 days for illnesses -6 months for cruciate ligament events There is no waiting period for preventative coverage.

What is Covered?

Accident And Injury

Emergency Visits

Congenital Or Hereditary Conditions

Illness

Prescription Drugs

Wellness Cover Yes, with a preventative care package

Hospitalization

Surgery

Cancer Treatments

Specialists Yes - depending on the condition

Outpatient Care

Medical Imaging

Lab Tests

Rehabilitation Yes, with the physical therapy add-on

Dental Trauma Yes if caused by an accident

Dietary Supplements We can cover some supplements, when recommended by a veterinarian for an eligible illness

Bilateral Conditions Yes - unless it is considered a pre-existing condition

Behavioral Treatments Yes, with the behavioral conditions add-on

Continual Care

Foreign Object Ingestion

End of Life: Burial and Cremation Cremation can be covered with the end-of-life and remembrance add-on

End of Life: Euthanasia Vet-recommended euthanasia can be covered through the Accident and Illness plan or the end-of-life and remembrance add-on

Vet Exam Fees Yes, with the Physical Therapy add-on

Prosthetics Not at this time

Organ Transplants Not at this time

Travel Coverage Not at this time

Request a quote Lemonade — pricing details, plan comparisons & more

4.8 (19)

$200 to $1,000 annually

At least 7 weeks old to enroll

4.8 (19)

Deductible $200 to $1,000 annually

Age Limit At least 7 weeks old to enroll

Cost Per Month Plan costs depend on your choices, as well as pet breed, age and where you live.

Coverage Accident and illness coverage, with two wellness optional choices. Exam fees and rehab coverage included in every policy (not an add-on). Payout percentages range from 50% - 85%.

Payout Limit Range from $3,000 to $100,000 (annual). There are no lifetime limits.

Waiting Period 0 days for accidents and 12 days for illnesses after the policy becomes effective. Unlike some providers, adoro does not have any extended waiting periods for orthopedic issues (like torn cruciate ligaments).

What is Covered?

Accident And Injury

Emergency Visits

Congenital Or Hereditary Conditions We do not treat congenital or hereditary conditions any differently. Covered up to chosen annual limit.

Illness

Prescription Drugs

Vet Exam Fees No add-on needed.

Wellness Cover 2 available options.

Hospitalization

Surgery

Cancer Treatments

Specialists

Outpatient Care

Medical Imaging

Lab Tests

Rehabilitation

Dental Trauma If prescribed by a veterinarian to treat a condition, but not for prevention or general health maintenance.

Dietary Supplements

Prosthetics

Bilateral Conditions

Continual Care

Foreign Object Ingestion One occurrence per 12-month period.

End of Life: Burial and Cremation Combined with euthanasia – up to $250 for pets 2 or younger at enrollment.

End of Life: Euthanasia Combined with burial and cremation – up to $250 for pets 2 or younger at enrollment.

Travel Coverage Coverage available while traveling throughout the U.S. Travel-related expenses or cancellation of a trip due a pet’s illness is not covered.

Organ Transplants Not at this time.

Behavioral Treatments Medications prescribed by a veterinarian would be covered.

Request a quote Adoro — pricing details, plan comparisons & more

4.7 (11,085)

$50 to $500 annually

At least 8 weeks old to enroll

4.7 (11,085)

Deductible $50 to $500 annually

Age Limit At least 8 weeks old to enroll

Cost Per Month The cost of pet insurance depends on a variety of factors, including the species, breed, sex, and age of your pet. Where you live also helps determine what you pay. The type of coverage you need will affect costs, too.

Coverage Reimbursement for up to 90% of vet costs.

Payout Limit

Waiting Period Accident – policy effective date (1 day waiting period); Illness – 14 days

What is Covered?

Accident And Injury

Illness

Vet Exam Fees

Hospitalization

Surgery

Emergency Visits

Congenital Or Hereditary Conditions

Prescription Drugs

Wellness Cover

Cancer Treatments

Specialists

Outpatient Care

Medical Imaging

Lab Tests

Rehabilitation

Dental Trauma

Dietary Supplements

Prosthetics

Bilateral Conditions

Organ Transplants

Behavioral Treatments

Continual Care

Foreign Object Ingestion

End of Life: Burial and Cremation

End of Life: Euthanasia

Travel Coverage

Request a quote MetLife — pricing details, plan comparisons & more

4.7 (3,516)

$100, $250, $500 or $1000 annually

At least 8 weeks old to enroll

4.7 (3,516)

Deductible $100, $250, $500 or $1000 annually

Age Limit At least 8 weeks old to enroll

Cost Per Month Plans start as low as $30 per month. Prices vary based on plan type, pet breed, age, and location.

Coverage Every pet is covered by a 90% reimbursement rate to make it easier to say “yes” to the best possible care.

Payout Limit Annual limits of $10,000, $20,000 or unlimited for dogs and $7,000, $15,000 or unlimited for cats.

Waiting Period Insurance coverage begins 14 days after your policy begins for all conditions, including knee/ligament issues where some other policies make you wait 6 months for coverage. No waiting periods for preventive care (in fact, depending on when you received the care, you may be eligible for a retroactive refund).

What is Covered?

Accident And Injury Included

Emergency Visits Included

Congenital Or Hereditary Conditions Included

Illness Included

Prescription Drugs Included

Vet Exam Fees Sick exam fees covered, plus one annual wellness exam with optional preventive care plan

Wellness Cover Covered by optional preventive care plan

Hospitalization Included

Surgery Included

Cancer Treatments Included

Specialists Included

Outpatient Care Included

Medical Imaging Included

Lab Tests Included

Rehabilitation Included

Dental Trauma Included

Dietary Supplements Included

Prosthetics Included

Bilateral Conditions Covered up to the annual limit

Behavioral Treatments Included

Continual Care Included

Foreign Object Ingestion Included

End of Life: Burial and Cremation Included

End of Life: Euthanasia Included

Travel Coverage Coverage applies when your pet receives eligible care in the U.S., its territories, or Canada. There is no restricted network of veterinarians. Travel-related expenses are not covered.

Organ Transplants

Request a quote Pumpkin — pricing details, plan comparisons & more

4.6 (11,535)

$100, $250, $500, $750 or $1000 annually

At least 8 weeks old to enroll

4.6 (11,535)

Deductible $100, $250, $500, $750 or $1000 annually

Age Limit At least 8 weeks old to enroll

Cost Per Month Rates start at: $10 (for accident only), $16 (Complete Coverage). plan costs vary based on plan type, pet breed, age, and location.

Coverage The pay-out amount is based on the actual vet bill, at a rate pre-selected by the customer: 90%, 80% or 70%

Payout Limit Annual limits can be set by the customer, ranging from $2,500 to $20,000, including an unlimited option. No lifetime limits.

Waiting Period There are no waiting periods for preventive care. Coverage begins 14 days after date listed on policy for accidents, illnesses, and knee/ligament conditions.

What is Covered?

Accident And Injury Covered up to the selected annual limit ($2,500-Unlimited)

Emergency Visits Covered up to the selected annual limit ($2,500-Unlimited)

Prescription Drugs Covered up to the selected annual limit ($2,500-Unlimited)

Vet Exam Fees Covered up to the selected annual limit ($2,500-Unlimited)

Wellness Cover Covered up to the selected annual limit ($2,500-Unlimited) - * If the additional "Preventive Care" is purchased.

Hospitalization Covered up to the selected annual limit ($2,500-Unlimited)

Surgery Covered up to the selected annual limit ($2,500-Unlimited)

Cancer Treatments Covered up to the selected annual limit ($2,500-Unlimited)

Specialists Covered up to the selected annual limit ($2,500-Unlimited)

Outpatient Care Covered up to the selected annual limit ($2,500-Unlimited)

Medical Imaging Covered up to the selected annual limit ($2,500-Unlimited)

Lab Tests Covered up to the selected annual limit ($2,500-Unlimited)

Rehabilitation Covered up to the selected annual limit ($2,500-Unlimited)

Dental Trauma Covered up to the selected annual limit ($2,500-Unlimited)

Dietary Supplements Covered up to the selected annual limit ($2,500-Unlimited)

Prosthetics Covered up to the selected annual limit ($2,500-Unlimited)

Bilateral Conditions Covered up to the selected annual limit ($2,500-Unlimited)

Organ Transplants Covered up to the selected annual limit ($2,500-Unlimited)

Behavioral Treatments Covered up to the selected annual limit ($2,500-Unlimited)

Continual Care Covered up to the selected annual limit ($2,500-Unlimited)

Foreign Object Ingestion Covered up to the selected annual limit ($2,500-Unlimited)

End of Life: Burial and Cremation Covered up to the selected annual limit ($2,500-Unlimited)

End of Life: Euthanasia Covered up to the selected annual limit ($2,500-Unlimited)

Congenital Or Hereditary Conditions Covered up to the selected annual limit ($2,500-Unlimited)

Illness Covered up to the selected annual limit ($2,500-Unlimited)

Travel Coverage If a pet is traveling within the U.S., it's territories of Canada it is covered. We do not pay for traveling expenses (i.e. if the veterinarian has to come to the pet owner's home).

Request a quote Spot — pricing details, plan comparisons & more

4.6 (2,416)

$0, $100, $250, $500, and $750 annually

At least 8 weeks old to enroll

4.6 (2,416)

Deductible $0, $100, $250, $500, and $750 annually

Age Limit At least 8 weeks old to enroll

Cost Per Month Varies by pet location, age, and breed

Coverage Pet Accident and Illness coverage and offer a non-insurance wellness product.

Payout Limit Unlimited limit less any applicable annual deductible and per claim co-pay.

Waiting Period 15 days for accidents and illness.

What is Covered?

Accident And Injury

Emergency Visits

Congenital Or Hereditary Conditions As long as they are not pre-existing

Illness

Prescription Drugs

Vet Exam Fees

Hospitalization

Surgery

Cancer Treatments

Specialists

Outpatient Care

Medical Imaging

Lab Tests

Rehabilitation

Dental Trauma

Dietary Supplements As long as they are prescribed to treat a covered Text condition

Prosthetics

Bilateral Conditions As long as they are not pre-existing

Organ Transplants

Continual Care

Foreign Object Ingestion

End of Life: Burial and Cremation

End of Life: Euthanasia

Wellness Cover Separate plan that must be purchased

Behavioral Treatments Excluded

Travel Coverage

Request a quote ManyPets — pricing details, plan comparisons & more

4.5 (1,800)

$100 – $1,000 annually

At least 8 weeks old to enroll

4.5 (1,800)

Deductible $100 – $1,000 annually

Age Limit At least 8 weeks old to enroll

Cost Per Month $5 – $90 depending on coverage options chosen.

Coverage You have a co-pay of 20% after your annual deductible. The pay-out amount is based on your actual vet bill.

Payout Limit Per incident limit of $1,500 – $8,000 and annual limits of $3,000 – $16,000 depending on your chosen plan.

Waiting Period Coverage goes into effect one day after enrollment. There is a 5-day wait period for accident claims and 14-day wait period for illness claims. AKC Pet Insurance provides 30 days of accident and illness insurance coverage included with AKC registration for newly registered puppies.

What is Covered?

Accident And Injury

Emergency Visits

Congenital Or Hereditary Conditions

Illness

Prescription Drugs

Vet Exam Fees

Wellness Cover

Hospitalization

Surgery

Cancer Treatments

Specialists

Outpatient Care

Medical Imaging

Lab Tests

Rehabilitation

Dental Trauma

Dietary Supplements

Prosthetics

Bilateral Conditions

Organ Transplants

Behavioral Treatments

Continual Care

Foreign Object Ingestion

End of Life: Burial and Cremation

End of Life: Euthanasia

Travel Coverage

Request a quote AKC — pricing details, plan comparisons & more

4.4 (12,215)

$100, $250 or $500 annually

At least 8 weeks old to enroll

4.4 (12,215)

Deductible $100, $250 or $500 annually

Age Limit At least 8 weeks old to enroll

Cost Per Month Rates start at: $10 (for accident only), $16 (Complete Coverage). Rates vary based on species, age, breed, and location.

Coverage The pay-out amount is based on the actual vet bill, at a rate pre-selected by the customer: 90%, 80% or 70%

Payout Limit Annual limits can be set by the customer, ranging from $2,500 to $20,000, including an unlimited option. No lifetime limits.

Waiting Period There are no waiting periods for preventive care. Coverage begins 14 days after date listed on policy for accidents, illnesses, and knee/ligament conditions.

What is Covered?

Accident And Injury Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)

Emergency Visits Covered up to the selected annual limit for both accidents and illnesses ($2,500-Unlimited)

Congenital Or Hereditary Conditions

Illness Covered with a Complete Coverage plan, up to the selected annual limit ($2,500-Unlimited)

Prescription Drugs Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)

Vet Exam Fees Covered up to the selected annual limit for both accidents and illnesses ($2,500-Unlimited)

Hospitalization Covered up to the selected annual limit for accidents, injuries and illnesses ($2,500-Unlimited)

Surgery Covered up to the selected annual limit for both accidents and illnesses ($2,500-Unlimited)

Cancer Treatments Covered with a Complete Coverage plan, up to the selected annual limit ($2,500-Unlimited)

Specialists Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)

Outpatient Care Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)

Medical Imaging Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)

Lab Tests "Diagnostic Testing (Lab Tests)": Covered up to the selected annual limit for both accidents and illnesses

Rehabilitation Covered up to the selected annual limit for accidents, injuries and illnesses ($2,500-Unlimited)

Dental Trauma Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)

Dietary Supplements Prescription food & supplements are covered if they are prescribed to treat an eligible accident or illness. Prescription food & supplements are not covered if they are used for weight management or general health maintenance.

Bilateral Conditions If any ligament and knee condition occurred prior to the first effective date of the applicable coverage or during a waiting period they will no longer be covered.

Behavioral Treatments Coverage offered with purchase of Complete Coverage plan only

Continual Care Covered up to the selected annual limit for both accidents and illnesses ($2,500-Unlimited)

Foreign Object Ingestion Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)

End of Life: Burial and Cremation Covered up to the selected annual limit for both accidents and illnesses ($2,500-Unlimited)

End of Life: Euthanasia Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)

Travel Coverage If a pet is traveling within the U.S., it's territores or Canada it is covered. We do not pay for traveling expenses (i.e. if the veterinarian has to come to the pet owner's home)

Wellness Cover Optional Preventive Care add-ons provides a benefit schedule with set reimbursement amounts for select services

Prosthetics

Organ Transplants

Request a quote ASPCA — pricing details, plan comparisons & more

4.4 (183)

$100, $250 or $500 annually

At least 8 weeks old to enroll

4.4 (183)

Deductible $100, $250 or $500 annually

Age Limit At least 8 weeks old to enroll

Cost Per Month Rates start at: $10 (for accident only), $16 (Complete Coverage). Rates vary based on species, age, breed, and location.

Coverage The pay-out amount is based on the actual vet bill, at a rate pre-selected by the customer: 90%, 80% or 70%

Payout Limit Annual limits can be set by the customer, ranging from $2,500 to $20,000, including an unlimited option. No lifetime limits.

Waiting Period There are no waiting periods for preventive care. Coverage begins 14 days after date listed on policy for accidents, illnesses, and knee/ligament conditions.

What is Covered?

Accident And Injury Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)

Emergency Visits Covered up to the selected annual limit for both accidents and illnesses ($2,500-Unlimited)

Congenital Or Hereditary Conditions

Illness Covered with a Complete Coverage plan, up to the selected annual limit ($2,500-Unlimited)

Prescription Drugs Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)

Vet Exam Fees Covered up to the selected annual limit for both accidents and illnesses ($2,500-Unlimited)

Hospitalization Covered up to the selected annual limit for accidents, injuries and illnesses ($2,500-Unlimited)

Surgery Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)

Cancer Treatments Covered with a Complete Coverage plan, up to the selected annual limit ($2,500-Unlimited)

Specialists Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)

Outpatient Care Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)

Medical Imaging Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)

Lab Tests "Diagnostic Testing (Lab Tests)": Covered up to the selected annual limit for both accidents and illnesses

Rehabilitation Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)

Dental Trauma Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)

Bilateral Conditions If any ligament and knee condition occurred prior to the first effective date of the applicable coverage or during a waiting period they will no longer be covered.

Behavioral Treatments Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)

Continual Care Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)

Foreign Object Ingestion Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)

End of Life: Burial and Cremation Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)

End of Life: Euthanasia Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)

Travel Coverage If a pet is traveling within the U.S., it's territores or Canada it is covered. We do not pay for traveling expenses (i.e. if the veterinarian has to come to the pet owner's home)

Wellness Cover Optional Preventive Care add-ons provides a benefit schedule with set reimbursement amounts for select services

Prosthetics

Organ Transplants

Request a quote Hartville — pricing details, plan comparisons & more

4.3 (121)

$100 – $1,000 annually

At least 8 weeks old to enroll

4.3 (121)

Deductible $100 – $1,000 annually

Age Limit At least 8 weeks old to enroll

Cost Per Month $5 – $90 depending on coverage options chosen.

Coverage You have a co-pay of 20% after your annual deductible. The pay-out amount is based on your actual vet bill.

Payout Limit Per incident limit of $1,500 – $8,000 and annual limits of $3,000 – $16,000 depending on your chosen plan.

Waiting Period Coverage goes into effect one day after enrollment. There is a 5-day wait period for accident claims and 14-day wait period for illness claims.

What is Covered?

Accident And Injury

Emergency Visits

Congenital Or Hereditary Conditions

Illness

Prescription Drugs

Vet Exam Fees

Wellness Cover

Hospitalization

Surgery

Cancer Treatments

Specialists

Outpatient Care

Medical Imaging

Lab Tests

Rehabilitation

Dental Trauma

Dietary Supplements

Prosthetics

Bilateral Conditions

Organ Transplants

Behavioral Treatments

Continual Care

Foreign Object Ingestion

End of Life: Burial and Cremation

End of Life: Euthanasia

Travel Coverage

Request a quote PetPartners — pricing details, plan comparisons & more

4.1 (2,866)

$100, $250, $500, $750, $1,000 or $1,500 annually

At least 8 weeks old to enroll

4.1 (2,866)

Deductible $100, $250, $500, $750, $1,000 or $1,500 annually

Age Limit At least 8 weeks old to enroll

Cost Per Month $9 to $135 on average depending on chosen plan.

Coverage You choose a reimbursement level of 70%, 80%, 90% or 100% after your deductible. The pay-out amount is based on your actual vet bill.

Payout Limit Annual limit of $5,000, $10,000 or unlimited depending on your chosen plan.

Waiting Period 1-day for accidents, 14 days for illnesses, 6 months for hip dysplasia and orthopedic conditions. (Both hip dysplasia and orthopedic condition waiting periods can be waived by having exam/waiver form completed by veterinarian)

What is Covered?

Accident And Injury Unlimited

Emergency Visits Unlimited

Congenital Or Hereditary Conditions Unlimited

Illness Unlimited

Prescription Drugs Unlimited

Vet Exam Fees If plan is selected with that option

Hospitalization Unlimited

Surgery Unlimited

Cancer Treatments Unlimited

Specialists Unlimited - *In addition, the examination fee for a specialist can be covered depending on whether the optional exam fee coverage was added.

Outpatient Care Unlimited

Medical Imaging Unlimited

Lab Tests Unlimited

Rehabilitation Unlimited

Dental Trauma Unlimited

Dietary Supplements Unlimited - Limited to prescription foods that are used to treat existing bladder stones or crystals.

Prosthetics Unlimited

Bilateral Conditions Unlimited

Organ Transplants Unlimited - Requires preapproval

Behavioral Treatments $1,000

Continual Care Unlimited

Foreign Object Ingestion UnlimitedUnlimited - Only if the pet did not require decontamination 2 or more times within the 18 months prior to the policy effective date or within the waiting periods

End of Life: Burial and Cremation Unlimited - If the pet passes during the policy period as a result of illness or injury and meets the coverage requirements.

End of Life: Euthanasia Unlimited - If deemed medically necessary by licensed vet and it is the result of a covered accident or illness.

Travel Coverage $1,000 - If deemed a life threatening condition and vacation was preplanned.

Wellness Cover Unlimited

Request a quote Figo — pricing details, plan comparisons & more

4.9 (351)

As low as $100 annually

At least 7 weeks old to enroll

4.9 (351)

Deductible As low as $100 annually

Age Limit At least 7 weeks old to enroll

Cost Per Month Monthly cost varies due to multiple factors including: species, breed, age, gender, and postal code, with premiums averaging $55/month.

Coverage Comprehensive accident & illness coverage with up to 80% reimbursement. Use any licensed vet in Canada or the U.S. All plans include coverage for exam fees & taxes, 24/7 telehealth powered by Vetsdirect Limited, and over $3000 in additional pet owner support benefits annually.

Payout Limit Up to $20,000 in coverage annually.

Waiting Period For Accidents – 48 Hours For Illnesses – 14 Days For Cruciate Ligament Conditions – 180 Days

What is Covered?

Accident And Injury

Emergency Visits

Congenital Or Hereditary Conditions

Illness

Prescription Drugs

Vet Exam Fees

Hospitalization

Surgery

Cancer Treatments

Specialists

Outpatient Care

Medical Imaging

Lab Tests

Rehabilitation

Dental Trauma

Dietary Supplements

Prosthetics

Bilateral Conditions

Organ Transplants

Behavioral Treatments

Continual Care

Foreign Object Ingestion

End of Life: Burial and Cremation

End of Life: Euthanasia

Travel Coverage

Wellness Cover

Request a quote Furkin — pricing details, plan comparisons & more

4.8 (27,185)

$0 – $1000 per condition

Can enroll pets from birth

4.8 (27,185)

Deductible $0 – $1000 per condition

Age Limit Can enroll pets from birth

Cost Per Month Monthly cost varies due to multiple factors including: species, breed, age at enrollment, gender, and postal code.

Coverage One simple plan covers new injuries and illnesses, hereditary, congenital, and chronic conditions—once the deductible is met, Trupanion pays 90% of the remaining invoice. To view a full list of inclusions and exclusions, check out our sample policy here.

Payout Limit Unlimited lifetime payouts on eligible conditions with no payout limits-ever.

Waiting Period Accidents: 5 days Illnesses: 30 days Other providers may have additional waiting periods for congenital conditions like hip dysplasia, Trupanion does not.

What is Covered?

Accident And Injury Unlimited

Emergency Visits Unlimited

Congenital Or Hereditary Conditions Unlimited

Illness Unlimited

Prescription Drugs Unlimited

Hospitalization Unlimited

Surgery Unlimited

Cancer Treatments Unlimited

Specialists Unlimited

Outpatient Care Unlimited

Medical Imaging Unlimited

Lab Tests Unlimited

Rehabilitation Unlimited

Dental Trauma Unlimited

Dietary Supplements Unlimited

Prosthetics Unlimited

Bilateral Conditions Unlimited

Organ Transplants Unlimited

Behavioral Treatments Unlimited - Covered with purchase of additional rider and if prescribed and performed by licensed veterinarian

Continual Care

Foreign Object Ingestion

End of Life: Burial and Cremation Unlimited - Covered with purchase of additional rider

End of Life: Euthanasia

Travel Coverage Unlimited - If travelling in US and Canada.

Vet Exam Fees

Wellness Cover

Request a quote Trupanion Canada — pricing details, plan comparisons & more

4.7 (273)

$100 - $300 annually

At least 8 weeks old to enroll

4.7 (273)

Deductible $100 - $300 annually

Age Limit At least 8 weeks old to enroll

Cost Per Month Monthly cost varies due to multiple factors including: species, breed, age at enrollment, and postal code.

Coverage The pay-out amount is based on the actual vet bill, at a rate pre-selected by the customer: 90%, 80% or 70%

Payout Limit Annual limit of $5,000, $10,000, $20,000, or Unlimited depending on the plan chosen.

Waiting Period Accident Only Plans: Next day coverage for eligible accidents Named Peril Illnesses – 3 days Accident & Illness Plans – 14 days

What is Covered?

Accident And Injury Covered up to the selected annual limit

Emergency Visits Covered up to the selected annual limit

Congenital Or Hereditary Conditions Covered up to the selected annual limit

Illness Covered up to the selected annual limit

Prescription Drugs Covered up to the selected annual limit

Vet Exam Fees Covered up to the selected annual limit

Wellness Cover Covered up to the selected annual limit

Hospitalization Covered up to the selected annual limit

Surgery Covered up to the selected annual limit

Cancer Treatments Covered up to the selected annual limit

Specialists Covered up to the selected annual limit

Outpatient Care Covered up to the selected annual limit

Medical Imaging Covered up to the selected annual limit

Lab Tests Covered up to the selected annual limit

Rehabilitation Covered up to the selected annual limit

Dental Trauma Covered up to the selected annual limit

Dietary Supplements Covered up to the selected annual limit

Prosthetics Covered up to the selected annual limit

Bilateral Conditions Covered up to the selected annual limit

Organ Transplants Covered up to the selected annual limit

Behavioral Treatments Covered up to the selected annual limit

Continual Care Covered up to the selected annual limit

Foreign Object Ingestion Covered up to the selected annual limit

End of Life: Burial and Cremation Covered up to the selected annual limit

End of Life: Euthanasia Covered up to the selected annual limit

Travel Coverage Covered up to the selected annual limit

Request a quote Spot Canada — pricing details, plan comparisons & more

4.1 (1,531)

$250, $300 or $500 annually

At least 6 weeks old to enroll

4.1 (1,531)

Deductible $250, $300 or $500 annually

Age Limit At least 6 weeks old to enroll

Cost Per Month Plans average $35/month for dogs and $25 /month for cats

Coverage You choose a reimbursement level of 70%, 80% or 90% after your deductible.

Payout Limit Annual limit of $5,000, $10,000 or unlimited depending on your chosen plan.

Waiting Period Fetch’s waiting periods are up to 15 days for accidents and illnesses and six months for orthopedic events.

What is Covered?

Accident And Injury The cost of veterinary treatment when your pet gets hurt. Injuries can range from cuts and foreign object ingestion to broken bones and ACL ruptures.

Emergency Visits Treatment at licensed emergency veterinary clinics anywhere in the U.S. or Canada.

Congenital Or Hereditary Conditions Not all providers cover medical conditions linked to breed, like breathing problems in French bulldogs or kidney stones in Burmese. We do.

Illness The cost of veterinary treatment when your pet gets sick. Illnesses can range from vomiting, diarrhea, and urinary tract infections to heart disease or cancer.

Vet Exam Fees Every sick visit comes with an exam fee, which can be around $50 - $250. We cover those exam fees for you. Not all providers do.

Wellness Cover Fetch pet insurance does cover wellness or routine vet office visits, which includes things like annual checkups, vaccines, spaying and neutering procedures, wellness exams, grooming services or teeth cleanings.

Hospitalization Overnight stays at a licensed veterinary hospital anywhere in the U.S. or Canada for treatment, monitoring, or further testing.

Surgery The cost of veterinary treatment when your pet gets hurt. Injuries can range from cuts and foreign object ingestion to broken bones and ACL ruptures.

Cancer Treatments The cost of veterinary treatment when your pet gets sick. Illnesses can range from vomiting, diarrhea, and urinary tract infections to heart disease or cancer.

Specialists Treatment by licensed veterinary specialists including, but not limited to, orthopedists, oncologists, orthodontists and cardiologists.

Medical Imaging Tests performed or prescribed by a vet to help diagnose an injury or illness. Diagnostic tests can range from blood tests and urinalysis to MRIs and ultrasound.

Lab Tests Tests performed or prescribed by a vet to help diagnose an injury or illness. Diagnostic tests can range from blood tests and urinalysis to MRIs and ultrasound.

Rehabilitation Treatments including, but not limited to, hydrotherapy, laser, underwater treadmill, kinesiotherapy, land-based exercise, massage, stretching and electrical stimulation administered by a vet to treat an injury or illness.

Prosthetics We don't have any specific limitations on this. We cover vet-recommended treatments deemed medically necessary as long as it's unrelated to a pre- existing condition.

Bilateral Conditions Yes, but the only bilateral exclusion we have on our policies is on the knees.

Organ Transplants We can cover organ transplants as long as medically necessary and first pre-authorized and approved by us.

Behavioral Treatments Consultations with a vet to diagnose and treat behavioral disorders including, but not limited to, aggression, separation anxiety or phobias. Covered up to $1,000 per year.

Continual Care Once we approve coverage for a condition, we will continue covering expenses for that condition for as long as the policy is active and maintains continuous coverage.

Foreign Object Ingestion Yes

End of Life: Euthanasia We cover euthanasia as long as it's vet recommended and unrelated to a pre-existing condition.

End of Life: Burial and Cremation We do not cover any after passing expenses such as burial or cremation.

Request a quote Fetch Canada — pricing details, plan comparisons & more

4.1 (33)

$200 annually

At least 7 weeks old to enroll

4.1 (33)

Deductible $200 annually

Age Limit At least 7 weeks old to enroll

Cost Per Month As low as $8.44 per month for cats and $11.20 per month for dogs with average premiums of $38.66/mo for dogs and $21.87/mo for cats.

Coverage PHI Direct covers: Accidents, New Illnesses, Emergency Care, Sick Visit Exam Fees, Applicable Taxes, Referral and Specialist Fees, Alternative Therapies, Anesthesia & Surgery, Behavioural Therapy, Dental Tooth Fracture, Diagnostics, Euthanasia, Hospitalization, Imaging – CT Scans, MRI and X-Rays, Medical Devices, Medical Procedures, Prescription Medications, Parasites

Payout Limit Two annual policy options: $5,000 or $10,000. 80% reimbursement on eligible vet bills. Your co-insurance share is 20%.

Waiting Period For Accidents – 48 Hours For Illnesses – 14 Days For Cruciate Ligament Conditions – 60 Days

What is Covered?

Accident And Injury

Emergency Visits

Congenital Or Hereditary Conditions

Illness

Prescription Drugs

Vet Exam Fees

Hospitalization

Surgery

Cancer Treatments

Specialists

Outpatient Care

Medical Imaging

Lab Tests

Rehabilitation

Dental Trauma

Prosthetics

Bilateral Conditions

Organ Transplants

Behavioral Treatments

Continual Care

Foreign Object Ingestion

End of Life: Euthanasia

Travel Coverage

Wellness Cover

Dietary Supplements

End of Life: Burial and Cremation

Request a quote PHI Direct — pricing details, plan comparisons & more

4.0 (884)

$100 – $700 annually

At least 7 weeks old to enroll

4.0 (884)

Deductible $100 – $700 annually

Age Limit At least 7 weeks old to enroll

Cost Per Month Monthly costs vary based on your pet’s species, age, and location, as well as your chosen plan. Customize coverage to suit your pet’s needs and your budget.

Coverage You have a co-pay of 10%, 20% or 30%. The pay-out amount is based on your actual vet bill and includes coverage of exam fees and taxes.

Payout Limit Annual limit of $5,000 in Accident Only coverage, or $7,500 or $15,000 in Accident & Illness coverage annually, depending on your chosen plan.

Waiting Period Coverage begins after 48 hours for accidents. A policy waiting period of 14 days applies for illnesses.

What is Covered?

Accident And Injury

Emergency Visits

Congenital Or Hereditary Conditions

Illness

Prescription Drugs

Vet Exam Fees

Wellness Cover

Hospitalization

Surgery

Cancer Treatments

Specialists

Outpatient Care

Medical Imaging

Lab Tests

Rehabilitation

Dental Trauma

Dietary Supplements

Prosthetics

Bilateral Conditions

Organ Transplants

Behavioral Treatments

Continual Care

Foreign Object Ingestion

End of Life: Burial and Cremation

End of Life: Euthanasia

Travel Coverage

Request a quote Pets Plus Us — pricing details, plan comparisons & more

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See What 223,546+ Pet Owners Are Saying

Every review is from a verified policyholder. Unfiltered, unsponsored, updated daily.

Furkin

Great experience

Good service and easy claim

Apr 10, 2026 By: Shimei Zhao

Trupanion Canada

Quick and easy!!!

Jul 10, 2026 By: Dean Meudell

Spot Canada

Quick to respond to our claim and pay us

Jul 10, 2026 By: customer

Fetch Canada

Great Service!

Nadine was really helpful and took the time to explain multiple plans and what would be the best fit for my puppy. A pleasant experience and highly recommended!

Jul 12, 2026 By: Megan Dylan

PHI Direct

A breath of freshair.

Very fast and easy to get money back. Being that I had never heard of this company before, I was a little skeptical, but I am impressed by...

Jul 06, 2022 By: Lilia

Pets Plus Us

Very Disappointing

We have been with pets plus us since our dog was a puppy - she is now 10. no major claims. Of the ones that I've submitted lately,...

Jun 30, 2026 By: c

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FAQ

The important answers to help you make an informed decision

Pet insurance is an investment in your furry friend’s health. Pet insurance will protect your family from financial disaster if something happens to your pet.

Pet insurance is similar to human health insurance and varies between providers, plan options, and coverage. This is why it is important to do research to find the best coverage for you.

Pet insurance plans cover veterinary care defined by the policy. The most comprehensive plans will cover routine pet care throughout your pet’s life such as teeth cleaning, vaccinations, and check-ups. Some plans only cover specific things such as unexpected emergencies like illness or injury.

Pet insurance varies by insurance provider and coverage selections.
In summary, this is how pet insurance works.
1. Compare and find the best plan for you and your pet.
2. Once you have selected your policy, you personalize your pet insurance plan by selecting your deductible, co-pay, or reimbursement percentage options.
3. You pay the annual or monthly premiums and stay up to date with all the routine care and vaccines for your cat or dog.
4. Should your pet become ill or injured, you can visit a licensed veterinarian for treatment.
5. After seeking pet care, you submit a claim to your insurance company and will be reimbursed for treatment covered by your policy.
6. Get reimbursed by your insurance provider up to 100% of the claim depending on the pet insurance plan you choose.

Read full article

The best policy is the one that is right for you based on you. Everyone’s budgets, needs, breed risks, and lifestyles vary. This is why it’s so important to compare pet health insurance plans before committing to an insurance company.

Choosing the best plan isn’t about finding the cheapest option. It’s all about finding the coverage that best meets your needs and budget without sacrificing your pet’s health. Pet insurance and customized wellness coverage ensure the best possible veterinary care throughout your pet’s life.

Having pet insurance is a great idea if you don’t want to pay large sums of money if your dog becomes sick or injured. But is having pet insurance worth it? How much does pet insurance cost?

Before you purchase any of the pet health insurance plans, ask yourself the following questions:

Do I have enough savings to pay upfront if my pet ends up needing emergency treatment?
Does my state allow me to get reimbursed in case something happens to my pet when he’s away from home?
What is the coverage level of this provider (80% – 100%)?
Is it a good deal compared to other providers?
Does my pet have ongoing health issues that will require treatment in the future?
levels, which means no reimbursement if my pet is sick?

Ask yourself these questions to see if pet insurance is worth it. You can also explore the point of view of veterinarians. Talk to your vet, ask them about it!

Veterinarians, pet parents, and of course us, always recommend getting pet insurance.

Read full article

Pet insurance cost is based on your:

Pet’s age (older pets are usually more expensive)
Pet’s Breed (there are breeds that are prone to issues, due to hereditary diseases)
Location (if you live in a city where there is a high crime rate,
you will need to pay more than if you live in an area with low-crime or
in an affluent neighborhood).

An example is that a 10-year-old dog named Lola is spayed and is living in Houston, Texas. She is insured by Healthy Paws. The average monthly premium is $223.

The average cost of pet insurance varies from $15 to $200 per month. Dog insurance is a bit more expensive than cat insurance. But in general, the higher-priced plans have a higher deductible and will pay for more treatments before you pay anything out of pocket. The less expensive ones are not as comprehensive, and they are only meant to cover accidents.

We are an affiliate site that allows users to browse, compare and read reviews from the top pet insurance providers. We are in no way, a pet insurance provider, only an independent intermediary.

Pet Insurance Review is built on thousands of independent reviews from pet parents just like you. All of the ratings and reviews are completely unfiltered and 100% real, so you can be sure that your research and comparison will be accurate.

We work with the top insurance companies and we are licensed in all 52 states in the US and even in Canada. No matter where you are, we’ve got you covered.

Our Free personalized quote tool, finds and suggests plans that fit your needs at different budgets, once you like one, you connect directly to the providers official website to finalize the purchase.

We get a fee from the provider when we assist you in purchasing a policy for your pet.

The commission we get is the same no matter which plan or provider you choose, we are completely unbiased and independent from all providers.

You don’t pay anything and the cost of the plan is unaffected, you can rest safe knowing you are getting the best price, for the best plan.

Pet Care & Wellness

Learn about the best pet care and wellness tips for your furry family members

7 Pet Insurance Mistakes First-Time Pet Parents Make

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See What 223,546+ Pet Owners Are Saying

Great experience

Quick and easy!!!

Quick to respond to our claim and pay us

Great Service!

A breath of freshair.

Very Disappointing

FAQ

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