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Compare Pet Insurance

Pet insurance can help cover the unexpected medical expenses that sometimes come with owning a pet.

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  • Rated 5/5 on NerdWallet
  • Many ways to customize your plan
  • Covers some pre-existing conditions
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    on Embrace

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  • Wide range of coverage choices
  • Covers things some insurers don't
  • Unlimited annual coverage available
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  • Wide-ranging & customizable coverage
  • Rated 5/5 on NerdWallet
  • Covers cats, dogs, & horses
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    on ASPCA

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  • Customizable plans for various pets
  • Deductible may decrease annually
  • Accident coverage starts right away
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    on MetLife

    What is pet insurance?

    Like human health insurance, pet insurance covers the cost of medical care. Pet insurance is designed to cover unexpected costs, so it may not pay for routine care or conditions your pet had before you bought the policy.

    What type of pet insurance should I get?

    There are three main types of pet insurance plans:

    Accident and illness: The most common type of pet insurance, these plans cover treatment for illnesses and accidental injuries.

    Accident-only: These plans tend to be more affordable. They’ll pay if your pet swallows a toy or is hit by a car, but not for any illnesses such as diabetes or arthritis.

    Wellness or preventive care: This type of coverage is usually an add-on to one of the policies above. It’ll pay for well visits, vaccines and other routine care.
    universal image alt
  • Rated 5/5 on NerdWallet
  • Many ways to customize your plan
  • Covers some pre-existing conditions
  • See Details

    on Embrace

    How much does pet insurance cost?

    The average cost of an accident and illness policy in the U.S. is $640 per year for dogs and $387 for cats, according to 2022 data from the North American Pet Health Insurance Association. That translates to about $53 a month for dogs and $32 a month for cats.

    For an accident-only policy, the average cost is $201 per year for dogs (about $17 per month) and $122 per year for cats (about $10 per month).

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