Pet Insurance

Pet insurance works similarly to health insurance for people. In most cases, you pay your veterinary bill at the time of service and then submit a claim to your insurance company for reimbursement. Plans vary, but coverage may include accidents, illnesses, diagnostics, surgery, medications, and more. Premiums begin as low as $30 per month for dogs and $15 for cats. Before choosing a plan, be sure to review important details such as:

Coverage for hereditary and chronic conditions
Reimbursement rate (70–90%) and payment methods (check, direct deposit, etc.)
Annual deductible
Annual coverage limits
Waiting periods
Exclusions for pre-existing conditions
Claim processing times and customer service

To help you explore your options, we've listed a few popular pet insurance providers below. We do not endorse or recommend any specific company, but these examples can help you compare available plans, coverage, and costs as you decide the best fit for your pet.

Trupanion

www.trupanion.com
Often chosen for pets that may need extensive or ongoing treatment. It has no lifetime payout limits.

Pets Best

www.petsbest.com
Known for competitive pricing and a variety of coverage options, making it a good value for many pet owners.

Spot Pet Insurance - Provides customizable coverage

https://love.spotpet.com
Offers customizable coverage options and may be a good choice for older pets that may not qualify for some other providers.

Figo Pet Insurance

https://figopetinsurance.com
Offers customizable plans and a user-friendly app for submitting claims and managing policies.

Healthy Paws

www.healthypawspetinsurance.com
Popular for its straightforward accident and illness coverage with no annual or lifetime payout caps, though it does not offer routine wellness coverage.

Embrace Pet Insurance

www.embracepetinsurance.com
Offers flexible reimbursement options and deductibles, with comprehensive accident and illness coverage. Wellness plans are available as an add-on.