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Compare Pet Insurance
Pet insurance can help cover the unexpected medical expenses that sometimes come with owning a pet.
NerdWallet Rating: 5 out of 5 stars
1.
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
2.
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
3.
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
What is pet insurance?
What type of pet insurance should I get?
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.
How much does pet insurance cost?
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).