Is Pet Insurance Worth It?

Pet insurance pays up to 90% of vet bills when your pet is sick or injured

Compare Pet Insurance

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
choose your veterinarianYes
Yes
Yes
Yes
Yes
Yes
Yes
Injuries
Coverage for falls, being hit by car and other accidents.
injury coverageCovered
Covered
Covered
Covered
Covered
Covered
Covered
Illnesses
Coverage for infections, cancer and other illnesses that are typically not genetic.
illnesses Covered on all plans except injury only plan
Offers three levels of coverage, from injury-only to all conditions
Covered
Covered
Covered
Covered
Covered
Hereditary conditions
Genetic conditions common to specific breeds, often called breed-specific conditions.
hereditary conditionsHas injury-only plan for lowest rates, advanced plans offer increased coverage
Top-level plan covers heredity conditions
Covered
Coverage varies widely by state
Coverage varies widely by state
Covered
Covered
Congenital conditions
Conditions the pet is born with, even if symptoms don’t show for some time.
congenital conditionsHas injury-only plan for lowest rates, advanced plans offer increased coverage
Top-level plan covers congenital conditions
Covered
Coverage varies widely by state
Coverage varies widely by state
Covered
Covered
Prescription medications
Most plans cover prescription medications as standard, although one plan requires a rider.
prescription medications Covered
Covered
Covered
Covered
Covered
Covered with optional rider
Covered
Alternative therapies
Chiropractic, acupuncture, physical therapy and other non-traditional treatments.
alternative therapies Yes
Level 3 plan covers alternative therapies
Yes
Yes
Yes
Covers greatest amount of alternative therapy types
Yes
Wellness option
Routine care coverage often available with plan add-on or rider.
pet wellness plansYes
Yes
Lack of wellness option can keep premiums lower
Yes
Yes
Yes
Lack of wellness option can keep premiums lower
Flexible deductible
flexible deductibles$100 to $500 for medical; $250 for emergency plan
$100, $250, $500
$0 to $1,000
$50 to $500
$50, $100 or $200 per condition
$100 to $1,000
$100 to $500
Annual deductible
annual deductible $100 to $500 for medical; $250 for emergency plan
$100, $250, $500
$100 to $2,500
$50, $100, $250, $500
$0 to $1,000
$100 to $1,000
$100 to $500
Choose reimbursement
Reimbursements can range from 70 to 100 percent of the bill; some are set at 90 percent only.
choose your reimbursement Varies by treatment for basic and major medical; 90 percent of vet bills for Whole Pet plan
70 to 90 percent of vet bill
70 to 90 percent of the vet bill
70 to 90 percent of the vet bill
70 to 90 percent of vet bill
65 to 90 percent of vet bill
70 to 90 percent of vet bill
Reimbursed per vet bill
Reimbursements can apply to vet bill or set benefit schedule.
vet billsTop plan reimburses per vet bill, others reimburse per schedule
Reimbursements are based on actual vet bill
Reimbursements are based on actual vet bill
Reimbursements are based on actual vet bill
Reimbursements are based on actual vet bill
Reimbursements are based on actual vet bill
Reimbursements are based on actual vet bill
No annual limits
Some plans place limits on the amount of reimbursements per year.
no annual limits Injury-only plan: $14,000; no annual limit on medical plans
Unlimited option available
Choose $2,500 to unlimited
$5,000 to unlimited
$5,000 to $15,000
No annual limits on any plan
No lifetime limits
Some plans place limits on the amount of reimbursements over the lifetime of the policy.
no lifetime limits No lifetime limits on any plan
No lifetime limits on any plan
No lifetime limits on any plan
Limits capped at $5,000 to $200,000, depending on plan
No lifetime limits on any plan
No lifetime limits on any plan
No limits per condition
Some plans place limits on the amount of reimbursements per condition.
per-condition deductible limitsLimits per schedule per year for basic and major medical; no limits for whole pet plan
$2,500, $3,000 or $5,000
No per-condition limits on any plan
No per-condition limits on any plan
No per-condition limits on any plan
No per-condition limits on any plan
Covered for life
Coverage over the lifetime of your pet if enrolled by certain age and policy is continuously renewed.
lifetime coverageIf enrolled before age 10
All pets are covered for life
All pets are covered for life
All pets are covered for life
If enrolled before age 6 (purebreeds) or 8 (mixed breeds)
If enrolled before age 14
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.
no upper age limitPets under 10
Pets under 12
No age limits
No age limits
Pets under 14
If enrolled before 14
Discounts available
Discounts can be offered for being a member of an organization, paying annually, enrolling more than one pet and other situations.
no upper age limitNo Discounts
Paying annually
promos and discount codesonline registration, Military personnel, Medical service pets
promos and discount codesonline, Military, multipet, paying in full
promos and discount codesonline, military,service dog, multipet, microchip
Spayed or neutered; direct withdrawal; paying annually, Healthy Pet Deductible reduction when do not file claims
Microchipped, member of organization (i.e. AAA), military, others
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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