Pet Insurance Comparison
Compare pet insurance options and find coverage that fits your pet's needs and your budget.
Compare coverage, deductibles, reimbursement options, waiting periods and important exclusions before choosing a pet insurance provider.
Our Pet Health is not an insurance company, agent or broker, and does not sell or arrange cover.
How this comparison is different
Most pet insurance comparison pages are built to move you to a purchase. This one is built to make the product legible first. Pet insurance has four or five mechanics — deductible, reimbursement percentage, annual limit, waiting period, pre-existing exclusions — and once you understand those, the differences between providers stop being marketing and start being arithmetic.
We publish nothing we have not verified. Every coverage detail here is recorded against a source and a date we checked it. Where we have not checked something, it says "Not verified" rather than a confident-looking guess. That is why some fields are blank — blanks are the honest answer, and a wrong detail about an exclusion could cost you a claim.
We also do not publish prices. Premiums are quoted per animal and per postcode and change constantly, so any price table would be wrong within weeks. Get a live quote from the provider for your own pet.
Providers
Coverage details are published only after verification.
No providers published yet
4 providers are set up in the directory but not yet published. We only publish coverage details once we have checked them against the provider's own current policy documents and recorded the date we did it.
In the meantime, the guides below explain how pet insurance actually works — which is the part worth understanding before you compare anyone.
Learn how pet insurance worksStart here
The mechanics worth understanding before you compare anyone.
How pet insurance works
Most US pet insurance is a reimbursement product, not a payment network like human health insurance. Understanding that one difference explains nearly everything else about how these policies behave.
ReadHow pre-existing conditions work
A pre-existing condition is generally any condition that showed signs before coverage started or during a waiting period — whether or not it had been formally diagnosed. This is the most common reason a claim is denied, and the most important thing to understand before buying.
ReadAccident-only vs accident and illness
Pet policies generally come in two shapes. The cheaper covers accidents only; the more common covers accidents and illnesses. The gap between them is larger than the price difference suggests.
ReadWhat drives pet insurance pricing
Premiums vary widely, and any single figure quoted as typical is close to meaningless without knowing the pet and the plan behind it. What is useful is understanding which levers move the number.
ReadWhat is typically covered, and what is not
Coverage varies by provider and plan, so the only authoritative answer for any policy is its own document. What follows is the general shape of the market and the exclusions that recur almost everywhere.
ReadIs pet insurance worth it?
There is no universal answer, and anyone who gives you one is selling something. Insurance is a transfer of risk, not a way to save money on average — by construction, insurers collect more in premiums than they pay in claims.
ReadThe details that decide a claim
These four settings determine what you actually get back.
What is a pet insurance deductible?
The deductible is the amount you absorb before the insurer starts reimbursing. How it resets is as important as how large it is, and the two common structures behave very differently over a pet's life.
ReadWhat is a reimbursement percentage?
The reimbursement percentage is the share of the eligible bill you get back once the deductible is met. Commonly offered at 70%, 80% or 90%, though the options vary by provider and sometimes by state.
ReadWhat is a waiting period?
A waiting period is the gap between your policy starting and coverage actually applying. Anything that appears during it is normally treated as pre-existing, which makes waiting periods one of the most consequential details in the whole product.
ReadBy pet and life stage
What changes depending on the animal in front of you.
Pet insurance for dogs
Dogs are generally more expensive to insure than cats, and the reasons point directly at what you should be comparing.
ReadPet insurance for cats
Cats are usually cheaper to insure than dogs, but the conditions they develop tend to be long-running — which changes what you should be comparing.
ReadPet insurance for puppies
A puppy is the one point in a dog's life with no medical history — which is precisely what makes enrollment timing matter so much.
ReadPet insurance for kittens
As with puppies, the value of insuring a kitten comes mostly from starting before there is any medical history to exclude.
ReadPet insurance for senior dogs
Insuring an older dog is harder and more expensive, and it is worth being straightforward about why rather than pretending otherwise.
ReadPet insurance for senior cats
Senior cats are where chronic disease concentrates, which makes both the case for cover and the obstacles to it sharper.
ReadFree Pet Health Check
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