Pet Insurance Basics
Pet insurance can reimburse you for unexpected veterinary bills so your pets can get the care they need.
Below are a few popular insurers and what they provide. Plans and pricing vary so check each company for current details.
Coverage for dogs and cats with a unique option to cover certain pre-existing conditions after 365 days.
Broad accident and illness plans that even cover behavioral problems and dental illnesses.
New provider with quick 5 day waiting period and benefits like virtual vet visits and prescription food coverage.
Chewy's insurance with integrated pharmacy perks and 24/7 telehealth access.
Single plan with 90% reimbursement and historically no waiting periods, using in-network vets for direct pay.
Digital-focused insurer covering alternative therapies and offering free dog training resources.
Accident and illness plans with optional wellness rewards and diminishing deductibles.
Formerly Petplan, known for extensive dental and behavioral coverage with no lifetime limits.
Tech-driven plan with options up to 100% reimbursement and 1 day accident waiting period.
Comprehensive accident and illness coverage with no annual limits and fast claim processing.
AI-powered insurer with instant claim payouts and optional wellness and dental add-ons.
Customizable coverage with zero-day accident waiting period and no extended orthopedic waits.
One of the largest insurers offering whole pet coverage including wellness and exotic pet plans.
Pays vets directly at checkout with 90% reimbursement and per-condition lifetime deductibles.
Plan Comparison
| Company | Plan | Reimbursement | Deductible | Annual Limit |
|---|---|---|---|---|
| AKC Pet Insurance | Comprehensive | 70-90% | $100-$1000 | $15k-Unlimited |
| ASPCA Pet Insurance | Complete Coverage | 70-90% | $100-$500 | Unlimited |
| Animalia | Accident & Illness | 70-90% | $200-$500 | $25k |
| CarePlus by Chewy | Deluxe | 70-90% | $250-$500 | Unlimited |
| Companion Protect | Single Plan | 90% | $50-$100 | $100k Lifetime |
| Doggo | Standard | 70-90% | $100-$500 | $10k |
| Embrace | Accident & Illness | 70-90% | $200-$1000 | $5k-Unlimited |
| Fetch by The Dodo | Comprehensive | 70-90% | $250-$500 | $15k-Unlimited |
| Figo | Ultimate | 70-100% | $100-$1500 | $5k-Unlimited |
| Healthy Paws | Standard | 70-90% | $100-$500 | Unlimited |
| Lemonade | Base Plan | 70-90% | $100-$750 | $100k |
| MetLife Pet Insurance | Custom | 70-100% | $50-$500 | Unlimited |
| Nationwide | Whole Pet | 50-90% | $250 | $10k-Unlimited |
| Trupanion | Core Plan | 90% | $0-$1000 | Unlimited |