ADVERTISEMENT: PRODUCTS FROM OUR PARTNERS

Compare Pet Insurance

Pet insurance can help cover the unexpected medical expenses that sometimes come with owning a pet.
Rated 5/5 on NerdWallet

1.

insurance-product-card-logo

Embrace

  • Many ways to customize your coverage and monthly rate
  • Reimbursement amounts up to 90%
  • Covers curable pre-existing conditions
  • Discounts available, including 10% multi-pet discount
See Details
on Embrace's website

2.

insurance-product-card-logo

Spot

  • Covers what others don’t: prescription food, microchips, and behavioral therapy
  • Offers preventative treatment and screenings plans
  • No upper age limit for coverage of older pets
  • 10% multi-pet discount
See Details
on Spot's website

3.

insurance-product-card-logo

Lemonade

  • Easy claims submission process through the app
  • Quick claims payout, with about 50% paid immediately
  • 5-10% discounts available for some customers
  • Donates a portion of profits to pet charities
See Details
on Lemonade's website

4.

insurance-product-card-logo

Fetch

  • Ideal if you want a lot of coverage with a high reimbursement rate
  • Covers what other insurers may not: cancer, acupuncture, and behavioral therapy
  • Offers $1,000 in boarding fees if owner is hospitalized
  • Pays up to $1,000 for virtual vet visits
See Details
on Fetch's website

5.

insurance-product-card-logo

ASPCA

  • Generous coverage options, including wellness and accident-only plans
  • Shorter waiting periods than most insurers
  • 10% discount for veterinarians and multiple pets
  • In addition to cats and dogs, horse plans are also available
See Details
on ASPCA's website

6.

insurance-product-card-logo

MetLife

  • In most states, your deductible reduces each year without a claim
  • Covers what others don’t: alternative therapies and holistic medicine
  • No waiting period for accident coverage
  • 24/7 vet chat service available
See Details
on MetLife's website

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.
insurance-product-card-logo

Embrace

  • Many ways to customize your coverage and monthly rate
  • Reimbursement amounts up to 90%
  • Covers curable pre-existing conditions
  • Discounts available, including 10% multi-pet discount
See Details
on Embrace's website

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).