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Embrace
4.9 (19,897)
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
Healthy Paws
4.9 (11,240)
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
Fetch
4.9 (5,665)
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
Trupanion
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
Pets Best
4.9 (15,109)
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
Nationwide
4.8 (25,381)
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
Prudent Pet
4.8 (2,791)
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
Lemonade
4.8 (831)
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
MetLife
4.7 (10,210)
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
Pumpkin
4.7 (3,364)
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
Adoro
4.7 (11)
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
Spot
4.6 (11,312)
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
ManyPets
4.6 (2,414)
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
AKC
4.5 (1,798)
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
ASPCA
4.4 (12,170)
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
Hartville
4.4 (182)
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)
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 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
PetPartners
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
Figo
4.1 (2,852)
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

Showing 18 providers — no scrolling needed

See What 220,939+ Pet Owners Are Saying

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

Embrace

1

They increased my dogs insurance by 30%…

They increased my dogs insurance by 30% at the yearly renewal. My dog is healthy, YOUNG and I filed ZERO claims with them last year. So many other...

Jun 07, 2026 By: Lily

Healthy Paws

5

This is the best insurance company for…

This is the best insurance company for pets. amazing service and kind and caring customer service - they always ask about our dog Champ who has been ill...

Jun 08, 2026 By: Jeff Faville

Fetch

5

All went smoothly

All went smoothly, got reimbursed everything was fine.

Jun 07, 2026 By: Janice

Trupanion

5

First Claim...very happy

First time being able to use Trupanion insurance since we started 6 months ago. Our vet claim was addressed right away and they covered more than I would...

Jun 07, 2026 By: Jill

Pets Best

3

Decided to stop covering my cat’s heart disease

When they do cover stuff, they’re great. But I’m very frustrated that after two years of covering my cat’s heart disease, they THEN decided to declare it a...

Jun 07, 2026 By: Cecily Scovin

Nationwide

5

Our agent Jeremy was very knowledgeable…

Our agent Jeremy was very knowledgeable and very patient with our questions!

Jun 07, 2026 By: deb giordano

Prudent Pet

5

Policy seems great

Policy seems great. The process for enrollment was pain free and I got documents nearly immediately. The only problem is my document can't be opened bc it's been...

Jun 07, 2026 By: cristina

Lemonade

5

Have not filed claim yet but so far customer service is great

I have not filed a claim yet, but their customer service when signing up is really thorough. I felt I fully understood the policy before payment, unlike other...

May 20, 2026 By: Kelly

MetLife

5

Easy claim process

Easy claim process. Efficient and quick processing. Great customer service.

Jun 07, 2026 By: Mr. Thomas G. Cole

Pumpkin

5

Respond in a timely

Respond in a timely, efficient manner! I love Pumpkin!

Jun 08, 2026 By: Carolyn
Browse All 220,939 Reviews →

FAQ

The important answers to help you make an informed decision

Pet Insurance Review is an independent pet insurance comparison platform that provides real-time personalized quotes from more than 24 US and Canadian pet insurance providers. The platform also maintains 220,000+ verified owner reviews, updated daily, which determine provider rankings. Pet Insurance Review does not sell or underwrite insurance policies and is not affiliated with any single insurer.
Pet Insurance Review connects directly to insurance provider systems to generate real-time quotes based on a pet owner’s specific inputs: pet species, breed, age, weight, and location. Quotes reflect actual current premiums from each insurer and are personalized to the individual pet profile submitted.
Yes. Generating and comparing real-time quotes on Pet Insurance Review is free with no commitment required. Pet owners enter their pet’s details and receive personalized quotes from multiple providers simultaneously, with no obligation to purchase.
Pet Insurance Review covers more than 25 providers across the United States and Canada, including Pets Best, Trupanion, Embrace, Lemonade, Healthy Paws, Fetch, Figo, Nationwide, ASPCA, Pumpkin, Prudent Pet, MetLife, ManyPets, and Canadian providers including Furkin, PHI Direct, Pets Plus Us, and Trupanion Canada. The platform is licensed in all 50 US states and Canadian provinces.
Yes. Every review on Pet Insurance Review is submitted by a verified policyholder with an active or former policy from the reviewed provider. Reviews are published unedited, including negative submissions, and are never removed based on insurer request. The platform publishes 220,000+ verified reviews, updated daily.

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.

Based on 24+ providers compared on Pet Insurance Review, most plans cover accidents and illnesses — including surgeries, hospitalization, diagnostics, and prescription medications. Coverage for hereditary and congenital conditions, dental illness, and behavioral therapy varies significantly by provider.

According to 220,000+ verified owner reviews on Pet Insurance Review, the most commonly claimed conditions include cancer treatment, cruciate ligament injuries, and chronic skin conditions.

The most comprehensive plans also cover routine and preventive care such as vaccinations, teeth cleaning, and annual check-ups as an optional wellness add-on. Accident-only plans cover emergencies like injuries and ingestion of foreign objects, but exclude illness.

Use the free comparison tool on Pet Insurance Review to see exactly what each plan covers for your pet’s specific breed, age, and location — side by side across all providers.

Pet insurance works on a reimbursement model. You pay the vet bill upfront, then submit a claim to your insurer and get reimbursed for covered costs.

Here is how the process works:

  1. Compare plans and select a provider. On Pet Insurance Review, you can compare real-time quotes from 24+ US and Canadian providers based on your pet’s species, breed, age, and location.
  2. Choose your deductible ($100–$1,000 annually), reimbursement rate (70%, 80%, or 90%), and annual payout limit.
  3. Pay your monthly or annual premium and keep your pet’s routine care up to date.
  4. If your pet becomes ill or injured, visit any licensed veterinarian for treatment.
  5. Submit your claim online or through the provider’s app with your vet invoice.
  6. Receive reimbursement for covered costs, minus your deductible and co-pay percentage.

Most plans have a waiting period of 2–14 days for accidents and 14 days for illnesses before coverage begins. Based on 220,000+ verified reviews on Pet Insurance Review, claim processing time is one of the most important factors pet owners consider when choosing a provider.

Based on 220,000+ verified owner reviews on Pet Insurance Review, pet insurance is consistently rated most valuable by policyholders who experienced a major illness or injury — where a single emergency can cost between $3,000 and $10,000.Pet insurance is worth it if:

  • Your pet is a breed prone to hereditary conditions (hip dysplasia, heart disease, certain cancers)
  • You would struggle to cover an unexpected vet bill over $2,000
  • You want predictable monthly costs instead of variable emergency expenses
  • Your pet is young — premiums are significantly lower when enrolled early
    Pet insurance is less necessary if your pet is older with pre-existing conditions (which are typically excluded), or if you have sufficient emergency savings to self-insure.

On Pet Insurance Review, you can compare plans from 24+ providers side by side to determine whether the monthly premium is worth it for your specific pet’s breed, age, and health history — for free, with no commitment.

Pet insurance cost is based on your pet’s species, breed, age, and your location — specifically local veterinary care costs, which vary significantly by state and city.Based on real-time quotes from 24+ providers on Pet Insurance Review, typical monthly premiums are:

  • Dogs: $30–$100+ per month for comprehensive accident and illness coverage
  • Cats: $15–$50 per month for comprehensive coverage
  • Accident-only plans: from $10–$20 per month for both dogs and cats
    Older pets and certain breeds prone to hereditary conditions (such as French Bulldogs, Golden Retrievers, and German Shepherds) will have higher premiums. Choosing a higher deductible ($500–$1,000) lowers your monthly cost significantly.

Use the free quote tool on Pet Insurance Review to compare actual current premiums from 24+ providers for your specific pet — results are personalized in real time and require no commitment to purchase.

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