Pet Insurance Comparison – HP
Is Pet Insurance Worth It?
Pet insurance pays up to 90% of vet bills when your pet is sick or injured
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Our pet insurance comparison chart makes it easy to compare pet insurance plans. We’ve simplified each policy’s fine print and included vet-verified tips and warnings to help you choose. Healthy Paws is the #1 Choice.
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Monthly Cost Basic Coverage | $48.22 Several limits |
$51.58 Several limits |
$57.07 Several limits |
$38.00 Several limits |
$46.71 Several limits |
$71.64 Several limits |
$37.28 No limits |
Overall Score Avg. rating includes Yelp, BBB, consumer reviews & more |
1.4 | 3.1 | 3.5 | 3.8 | 3.6 | 4.3 | 4.9 |
Monthly Cost Best Coverage | $65.66 Several limits |
$61.52 Several limits |
$67.84 Several limits |
$70.37 No limits |
$53.37 No limits |
$79.11 Several limits |
$37.28 No limits |
Tips & Highlights | Poor customer reviews | Low payouts | Flexible coverage | Reimburses veterinary exam fees | Offers accident-only plan | Applies deductible before copay to save you $ | #1 customer rated since 2013 |
Vet-Verified Summary | Bad reputation with customers | Too many limitations | Watch out for deductibles | Watch out for deductibles | Low annual limit on base plans | Great coverage but expensive | Overall best coverage |
AT A GLANCE | |||||||
Choose your own vet | |||||||
Injuries Coverage for falls, being hit by car and other accidents. |
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Illnesses Coverage for infections, cancer and other illnesses that are typically not genetic. |
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Hereditary conditions Genetic conditions common to specific breeds, often called breed-specific conditions. |
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Congenital conditions Conditions the pet is born with, even if symptoms don’t show for some time. |
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Prescription medications Most plans cover prescription medications as standard, although one plan requires a rider. |
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Alternative therapies Chiropractic, acupuncture, physical therapy and other non-traditional treatments. |
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Wellness option Routine care coverage often available with plan add-on or rider. |
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Flexible deductible | |||||||
Annual deductible | |||||||
Choose reimbursement Reimbursements can range from 70 to 100 percent of the bill; some are set at 90 percent only. |
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Reimbursed per vet bill Reimbursements can apply to vet bill or set benefit schedule. |
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No annual limits Some plans place limits on the amount of reimbursements per year. |
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No lifetime limits Some plans place limits on the amount of reimbursements over the lifetime of the policy. |
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No limits per condition Some plans place limits on the amount of reimbursements per condition. |
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Covered for life Coverage over the lifetime of your pet if enrolled by certain age and policy is continuously renewed. |
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No upper age limit Some plans only accept pets under a certain age, although the age limit may be as high as 10 or 14. |
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Discounts available Discounts can be offered for being a member of an organization, paying annually, enrolling more than one pet and other situations. |
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*Quotes based on 1-year-old, male, medium-sized mixed breed dog in California zip code 90017 as of January 1, 2019