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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
1.
![insurance-product-card-logo](https://www.nerdwallet.com/cdn-cgi/image/quality=85/cdn/insurance/logos/embracepet.png)
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](https://www.nerdwallet.com/cdn-cgi/image/quality=85/cdn/insurance/logos/healthy_paws.png)
Healthy Paws
Rated 4/5 on NerdWallet
Simple plan that covers accidents and illnesses with no annual limit
Many claims are processed within two days
Deductibles starting at $100
See Details
on Healthy Paws's website
3.
![insurance-product-card-logo](https://www.nerdwallet.com/cdn-cgi/image/quality=85/cdn/insurance/logos/spot.png)
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
4.
![insurance-product-card-logo](https://www.nerdwallet.com/cdn-cgi/image/quality=85/cdn/insurance/logos/ASPCA.png)
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
5.
![insurance-product-card-logo](https://www.nerdwallet.com/cdn-cgi/image/quality=85/cdn/insurance/logos/fetch-logo.jpg)
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
6.
![insurance-product-card-logo](https://www.nerdwallet.com/cdn-cgi/image/quality=85/cdn/insurance/logos/pumpkin.png)
Pumpkin
Rated 4.5/5 on NerdWallet
10% discount on additional pets you insure
Covers dental illnesses and some pre-existing conditions
Annual limits range from $7,000 to unlimited
See Details
on Pumpkin's website
7.
![insurance-product-card-logo](https://www.nerdwallet.com/cdn-cgi/image/quality=85/cdn/insurance/logos/metlife.png)
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?
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.
![insurance-product-card-logo](https://www.nerdwallet.com/cdn-cgi/image/quality=85/cdn/insurance/logos/embracepet.png)
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?
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).