Covers curable pre-existing conditions
Many ways to customize your coverage and monthly rate
Reimbursement amounts up to 90%
Discounts available, including 10% multi-pet discount
Pros
- Covers curable pre-existing conditions.
- Many ways to customize your plan.
- Orthopedic waiting period can be reduced with a vet exam.
Cons
- Doesn't cover prescription food or supplements unless you buy a wellness plan.
Generous coverage options, including wellness and accident-only plans
In addition to cats and dogs, horse plans are also available
Shorter waiting periods than most insurers
10% discount for veterinarians and multiple pets
Pros
- Covers horses in addition to cats and dogs.
- Standard plans cover alternative therapies, behavioral issues and congenital conditions.
- Shorter waiting period than most plans for cruciate injuries (14 days).
Cons
- You must call, rather than get an online quote, if you’re interested in unlimited annual coverage.
Covers what others don’t: alternative therapies and holistic medicine
No waiting period for accident coverage
In most states, your deductible reduces each year without a claim
24/7 vet chat service available
Pros
- Deductible goes down each year you don't make a claim in some states.
- Accident coverage starts right away, with no waiting period.
- Includes coverage for holistic and alternative care.
Cons
- No option to have the company pay your vet directly.
Simple plan that covers accidents and illnesses with no annual limit
Many claims are processed within two days
Deductibles starting at $100
Pros
- No annual or lifetime coverage limits.
- Processes many claims within two days.
Cons
- No wellness coverage options.
- Doesn't cover exam fees, prescription diets or behavioral modification.
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.
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.
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).