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Compare Pet Insurance Companies

At PetInsuranceFinder, we offer a broad selection of quotes from the top U.S. pet insurance companies for you to compare.

More than 1 000 000 visitors to our website have already used our service since 2003. Let us help you choose the best pet insurance company for your family pet. By doing so, you can enjoy the peace of mind in knowing your dog or cat will be covered.

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Best Pet Insurance Companies

Insurer Rate Price ? Direct Pay ? Vet Exam Fee ? Reimbursement Percentage ? Deductible ? Annual Policy Limits ?
4.1/5 50 reviews

from $16 per month

90% of vet bill $250 Unlimited Get Quotes PetsBest Reviews
PetsBest Reviews
Pests Best was founded In 2005 by a Veterinarian who understands the importance of pet health. They were founded on the premise of providing pet owners with peace of mind while removing financial burdens. Pets Best offers a wide range of coverages, including affordable, “Accident Only” plans and unlimited annual plans with some of the shortest waiting periods in the industry. At Pests Best, you’re more than a just customer... you’re family.

Visit Petsbest website to view their impressive timeline and find a plan to best meet your needs.
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4.0/5 50 reviews

from $20 per month

90% of vet bill $250 Unlimited Get Quotes PetPlan Reviews
PetPlan Reviews
Petplan provides insurance coverage for your pets as soon as six weeks and remains with them well into their golden years. While your coverages may change, your pet is covered for life — despite your pet’s age, health or claims history. Petplan is there when your pets need them the most and extends coverage across the U.S. and Canada — with comprehensive dental coverage, holistic care and chronic/hereditary services available.

Protect the pets you love for life by visiting Gopetplan website.
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4.2/5 50 reviews

from $17.68 per month

90% of vet bill $100 Unlimited Get Quotes HealthyPaws Reviews
HealthyPaws Reviews
Healthy Paws is leading the way in the pet insurance industry. They have maintained a top-tier rating for the last nine years, cover all pet issues (excluding pre-existing conditions) and have one of the fastest claims management systems (with 99% of claims being processed within 2 days — without the need to submit claims forms).

Healthy Paws extends its services into the philanthropic space by supporting more than 235 non-profit pet organizations to date. Best of all, Healthy Paws simplified its approach as an insurance provider, by offering only one easy-to-understand pet insurance plan.

To learn more about Healthy Paws’ excellent customer rating or their technology-based claims filing system, visit Healthy Paws website.
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3.5/5 50 reviews

from $25.7 per month

90% of vet bill $250 Unlimited Get Quotes Trupanion Reviews
Trupanion Reviews
Since 2000, Trupanion has provided comprehensive medical insurance for sick and injured pets. As a proud member of NAPHIA, Trupanion offers coverage for surgeries, diagnostic tests and medication—paying 90% of the eligible bill. Best of all, Trupanion protects your pet across the U.S., Canada and Puerto Rico, and with a simplified claims process and 24/7 availability, peace of mind is never more than a phone call away.

To learn more about Trupanion, visit Trupanion website.
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4.0/5 50 reviews

from $29.8 per month

90% of vet bill $200 $30 000 Get Quotes Embrance Reviews
Embrance Reviews
Embrace Pet Insurance sets itself apart from the competition by analyzing you’re pets medical history when determining coverage. They work to close insurance gaps, offer dental cover (up to $1,000 annually, in most states) and are devoid of lifetime maximums—meaning coverage continues for your pet despite multiple, high-dollar claims. So, whether your pet requires behavioral therapy, a prosthetic or alternative therapy, Embrace Pet Insurance is there to support your pet’s needs every step of the way.

Visit Embracepetinsurance to obtain a quote for a personalized plan, to fit your pet and your budget.
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3.2/5 50 reviews

from $35 per month

90% of vet bill $100 $20 000 Get Quotes 24PetWatch Reviews
24PetWatch Reviews
24PetWatch offers an array of insurance plans with various coverage levels and deductibles. They offer peace of mind for pet parents when unexpected situations arise. 24PetWatch provide microchipping services, a portal to report lost pets, a change of ownership option and pride themselves in putting your pet first.

If your goal is to prepare for the unexpected, 24PetWatch Pet Protection Services is there when you need them most. Visit 24petwatch website to get the protection you need.
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4.3/5 50 reviews

from $20 per month

90% of vet bill $250 Unlimited Get Quotes NationWide Reviews
NationWide Reviews
Nationwide has developed the reputation of being an insurance provider that remains on the side of its customers. With a commitment to excellence, they extend the same level of service to pets. Their comprehensive plans cover accidents and injuries, chronic illnesses, testing and diagnostics and holistic and alternative therapies. With plans as low as $35/month, the broadest coverage anywhere and the ability to use any vet, let you search for coverage begin at Nationwide Pet Insurance.

To learn more, visit website and review the many options available.
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4.7/5 50 reviews

from $30 per month

90% of vet bill $250 Unlimited Get Quotes ASPCA Reviews
ASPCA Reviews
ASPCA Pet Health Insurance boasts an established history of more than 20 years in the business and serves as one of the industry’s pioneers. Since 1997, ASPCA has insured more than 400,000 dogs and cats and processed more than 1.6 million claims. They offer a 10% discount (when insuring multiple pets), an annual deductible (versus an accident deductible) and a 30-day money back guarantee.

Visit Aspcapetinsurance to take advantage of their no-obligation guarantee and uncover the ideal plan for your pet.
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Insurance Providers Q&A

How Do We Rate Pet Insurance Companies?

We want to offer our customers the very best options when it comes to buying a pet insurance policy. That's why we spend a lot of time searching the web to learn more about all the insurers who sell pet policies in America. We make sure only to include actual insurance companies and not veterinary discount plans. That helps to decrease the confusion about coverage for our users.

At PetInsuranceFinder, you will find more information about the very best pet insurance companies in the country. We take the time to look for the best coverage options out there. That makes the process much simpler for you. We look for companies that offer the best level of coverage and those that have no limits for pets with special conditions. We also search for insurance companies that provide prescription drug coverage, which can be extremely helpful.
Insurance can be expensive, but if you want reliable health coverage for your pet, it is possible to find a reasonable plan. For many pet owners, the decision to purchase insurance is based solely on how much their premium will be each month.

At PetInsuranceFinder, we can help you compare the costs of insurance plans so that you can find the one that fits your pet's needs and your budget. We can also help you find a plan that caters to your dog or cat's specific needs. If you have a pet with a serious health condition such as cancer, we can help you find a plan that deals with these needs.
Typically, pet insurance companies do not distinguish between insurance coverage for dogs and cats. In most cases, all coverage benefits, limits, exclusions, and deductibles are equal for both types of animals. One area, however, where they are different is the price. Dog insurance is often more expensive than cat insurance. That's because dogs are more likely to end up in an accident or endure an illness than cats. And that means their treatment from the vet will cost more.

The average premium for dog insurance is around 50 to 60% more expensive than the monthly premium for cats. Some insurance companies may charge a lower premium for indoor cats than those who stay outdoors. That's because indoor cats are less likely to become sick or injured. On average, the standard monthly premium for cats is around $17, while the starting premium for dog insurance is $32 per month.
Yes. Most pet insurance policies are indeed designed for the common family dog or cat. But that doesn't mean you can't buy coverage for those non-traditional pets. When you click on the "Details" button in the description for each insurance company, you can find out if other types of animals are covered. Most of the insurance providers will offer coverage for reptiles, ferrets, rats, birds, rabbits, horses, or exotic pets.
You can save money on your pet insurance costs by comparing the options from each provider along with their premium quotes. Typically, the more coverage options you get, the higher your premium will be.

Consider how much coverage your pet will need and find a plan that is suitable for their health care plan. If you have a pet that has a severe condition or one who is prone to accidents, you can expect to pay out a little more for coverage. But you can also expect to save a lot when you have to visit the vet for emergencies.

Be sure to find out what your policy covers and what it doesn't. Also, you don't want to end up paying out more for a plan that has coverage options your pet will not use.

If you have a young and relatively healthy pet, you could save on premiums by taking out a policy that's for injuries only. This type of policy offers full coverage for your pet's injuries sustained due to an accident.
There are some differences from one company to the next when it comes to what a pet insurance policy covers. Generally, most will cover the following:

  • Injuries from an accident
  • Chronic ongoing health conditions
  • Congenital conditions such as cataracts or diabetes
  • Wellness care
  • Alternative Therapy like acupuncture and hydrotherapy
  • Imaging such as X-rays and ultrasounds
  • Lab tests
  • Prescription medications
  • Surgery
It's important to know up-front what your pet insurance policy will not cover. Doing so will help to eliminate any surprises when you visit the vet and think your procedure was covered, and it wasn't. Generally, most companies will not provide coverage for:

Pre-Existing Conditions

Coverage for pre-existing conditions is often limited to pet insurance. It is done to prevent pet owners from purchasing insurance for pets right after they discover a health condition. Before you purchase coverage, it's essential to find out what the company constitutes a pre-existing condition. Even if they are only showing signs of a disease they haven't been diagnosed with yet, an insurance company could still deny coverage

Inhumane Treatments

Most insurance providers will not offer coverage on any services they consider to be inhumane. These procedures can include but is not limited to, claw removal, tail docking or ear cropping.

Fees Exceeding Usual and Customary Costs

If fees paid for care from your vet is higher than what is charged by other veterinarians, your insurance company might deny that claim. Pet insurance companies use industry statistics to determine what is customary for the cost of vet services within a specific area. Before you choose a new vet, be sure to ask for a list of fees, and provide this information with your insurance company to confirm.

To learn more about buying a pet insurance policy, contact the experts here at PetInsuranceFinder. Our licensed professionals will be happy to answer any questions you have.