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Pet Insurance Quotes: Compare Different Breeds And Ages

dog breeds lined upOne of the most time consuming aspects of shopping for pet insurance is trying to understand the different pricing structures from the multiple pet insurance carriers, especially given all the varying exclusions. We did a bunch of first-hand mystery shopping to provide you some useful info to make better decisions with real life pet insurance quotes. We found Healthy Paws, Trupanion and Petplan to have the least exclusions and thus to be the most transparent with their pricing. Our team worked hard to secure insurance quotes for many different types of pets, breeds and ages and have reported them here in an easy to read and review comparison chart. But, please keep in mind that your pet, especially if they are older and/or have pre-existing conditions, will not necessarily fit perfectly into this pricing model. And, we cannot say enough about the importance of customer service in any service based business, including pet insurance. Periodically we will add animals of different ages and breeds to this page. This article is a companion to our Pet Insurance Reviews article, which provides pet insurance comparisons, pros, cons and reviews for the major pet insurance providers. You will also find our winners for the top 3 best pet insurance carriers in that article. Jump ahead to the insurance quote that is closest to the animal that you are looking for:

Dog – Black Lab Pet Insurance Quote

Characteristics considered for these quotes:

  • 3 Year Old Black Lab (Birthday: 1/1/2012)
  • Neutered Male
  • No Microchip
  • No Multi-pet Discount
  • No Pre-Existing Conditions
  • Residency in U.S. State of Virginia
  • Quote is from April 21, 2016
CompanyReviewVisit WebsiteDeductibleReimbursementLimit AmountLimit TermReimbursement ReputationCustomer Service ReputationMonthly Price
24PetWatch logoRead ReviewVisit Website$10080%$5,000AnnualGoodGood$38.44
ASPCA logoRead ReviewVisit Website$25080%$5,000Per IncidentPoorGood$40.42
Embrace logoRead ReviewVisit Website$20080%$10,000AnnualGoodExcellent$49.95
Healthy Paws logoRead ReviewVisit Website$25080%UnlimitedLifetimeGoodExcellent$50.28
Nationwide Pet Insurance logoRead ReviewVisit Website$25080-85% (vague)UnlimitedAnnualPoorPoor$32.54
Petplan logoRead ReviewVisit Website$20080%UnlimitedLifetimeGoodExcellent$34.61
Pets Best logoRead ReviewVisit Website$20080%$5,000Per Incident ($100,000 Lifetime)ExcellentGood$30.41
Trupanion logoRead ReviewVisit Website$20090%UnlimitedLifetimeExcellentGood$63.52

Dog – Bulldog Mixed Breed Pet Insurance Quote

Characteristics considered for these quotes:

  • 6 Year Old Rottweiler (Birthday: 1/1/2010)
  • Spayed Female
  • No Microchip
  • No Multi-pet Discount
  • No Pre-Existing Conditions
  • Residency in U.S. State of Indiana
  • Quote is from April 21, 2016
CompanyReviewVisit WebsiteDeductibleReimbursementLimit AmountLimit TermReimbursement ReputationCustomer Service ReputationMonthly Price
24PetWatch logoRead ReviewVisit Website$10080%$5,000AnnualGoodGood$65.43
ASPCA logoRead ReviewVisit Website$25080%$5,000Per IncidentPoorGood$73.29
Embrace logoRead ReviewVisit Website$20080%$10,000AnnualGoodExcellent$40.93
Healthy Paws logoRead ReviewVisit Website$25080%UnlimitedLifetimeGoodExcellent$39.70
Nationwide Pet Insurance logoRead ReviewVisit Website$25080-85% (vague)UnlimitedAnnualPoorPoor$66.12
Petplan logoRead ReviewVisit Website$20080%UnlimitedLifetimeGoodExcellent$98.38
Pets Best logoRead ReviewVisit Website$20080%$5,000Per Incident ($100,000 Lifetime)ExcellentGood$64.29
Trupanion logoRead ReviewVisit Website$20090%UnlimitedLifetimeExcellentGood$36.17

Dog – Standard Poodle Pet Insurance Quote

Characteristics considered for these quotes:

  • 6 Month Old Chihuahua, Short Coat (Birthday: 10/1/2014)
  • Neutered Male
  • No Microchip
  • No Multi-pet Discount
  • No Pre-Existing Conditions
  • Residency in U.S. State of California
  • Quote is from April 21, 2016
CompanyReviewVisit WebsiteDeductibleReimbursementLimit AmountLimit TermReimbursement ReputationCustomer Service ReputationMonthly Price
24PetWatch logoRead ReviewVisit Website$10080%$5,000AnnualGoodGood$39.64
ASPCA logoRead ReviewVisit Website$25080%$5,000Per IncidentPoorGood$42.74
Embrace logoRead ReviewVisit Website$20080%$10,000AnnualGoodExcellent$44.97
Healthy Paws logoRead ReviewVisit Website$25080%UnlimitedLifetimeGoodExcellent$39.48
Nationwide Pet Insurance logoRead ReviewVisit Website$25080-85% (vague)UnlimitedAnnualPoorPoor$34.25
Petplan logoRead ReviewVisit Website$20080%UnlimitedLifetimeGoodExcellent$26.60
Pets Best logoRead ReviewVisit Website$20080%$5,000Per Incident ($100,000 Lifetime)ExcellentGood$26.07
Trupanion logoRead ReviewVisit Website$20090%UnlimitedLifetimeExcellentGood$49.68

Cat – Tabby Pet Insurance Quote

Characteristics considered for these quotes:

  • 4 Year Old Tabby Cat (Birthday: 1/1/2011)
  • Spayed Female
  • No Microchip
  • No Multi-pet Discount
  • No Pre-Existing Conditions
  • Residency in U.S. State of Illinois
  • Quote is from April 21, 2016
CompanyReviewVisit WebsiteDeductibleReimbursementLimit AmountLimit TermReimbursement ReputationCustomer Service ReputationMonthly Price
24PetWatch logoRead ReviewVisit Website$10080%$5,000AnnualGoodGood$20.94
ASPCA logoRead ReviewVisit Website$25080%$5,000Per IncidentPoorGood$26.08
Embrace logoRead ReviewVisit Website$20080%$10,000AnnualGoodExcellent$25.49
Healthy Paws logoRead ReviewVisit Website$25080%UnlimitedLifetimeGoodExcellent$21.22
Nationwide Pet Insurance logoRead ReviewVisit Website$25080-85% (vague)UnlimitedAnnualPoorPoor$20.04
Petplan logoRead ReviewVisit Website$20080%UnlimitedLifetimeGoodExcellent$16.83
Pets Best logoRead ReviewVisit Website$20080%$5,000Per Incident ($100,000 Lifetime)ExcellentGood$13.76
Trupanion logoRead ReviewVisit Website$20090%UnlimitedLifetimeExcellentGood$32.67

Slideshare Summary: Pet Insurance Review

What’s Your Experience With Pet Insurance?

How have your price quotes received paired with the pet insurance coverage you expect to receive when you are shopping for pet health insurance to help us continue creating a more comprehensive picture of who really offers the best pet insurance based on the age and health conditions of each pet. Thanks!

How did your price quote add up for your pet?

Our site's mission is to help consumers make more informed purchase decisions. This post may contain affiliate links (marked with "Affiliate" when you hover over them) and we will be compensated if you make a purchase after clicking through these links. Our website accepts financial compensation to allow us to provide this free service to you, our reader, while eliminating the need to clutter pages with advertisements. Compensation does not influence the rankings of products. More info on our disclosure page.

Disclaimer: Information regarding insurance company offerings, pricing and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new pet health insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.


About Michelle Schenker
Since the day she was born, Michelle has lived in a home full of dogs and dog lovers. Her home is no exception with two adorable rescue pups of her own, Bella and Lily. Their unconditional love and never ending tail wags make every day brighter.
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  • Sarah Yates

    One thing that would be helpful is information regarding annual increases. I read a blog recently that talked about how insurance companies increase premiums annually. For example, your premiums never go up with Trupanion which is why their costs may be higher for younger pets. PetPlan claims it will increase 5-10%. I have not submitted any claims yet in this past year and my insurance is actually increasing by more than 10%. It’s going from $396 to $495 annually for a bronze plan ($200 deductible, $10000 year limit). It would be helpful for pet owners to look long term with regards to how much they are going to be paying for pet insurance.

    • Thank you for this insight and info Sarah. It is very helpful for our readers and also for us to consider in our next audit of this category in the near future.

  • Two dog mom

    I beg to differ on your ranking for Pets Best. I have had Pets Best for my two dogs who have both had claims. One minor; the other fairly major as she has IBD. First, I would gladly pay $200 deductible to get 80% up to $5,000 per incident and $100,000 lifetime than $100 deductible for 70% with a $3,000 limit. Next, I must say that Pets Best has the quickest turn around time that anyone could hope for and the money is directly deposited into my checking account within two to four days. They have never turned down a claim on either of my dogs. You can do everything online which is very quick and convenient and if you need to call to ask questions they are friendly, caring and give wonderful complete answers to all of your questions. I would rank them right at or certainly near the top and they offer several plans to choose from. What more could you possibly ask for?

    • Sarah Yates

      I have Pets Best for two of my pets. I think you have to rank them lower because of the change in underwriters. That may not seem like much to you, but I learned a very hard lesson. First time, they changed underwriters, it didn’t affect me much. They changed underwriters again and my premiums sky rocketed. For my 11 year old beagle, it went from $584 to $1404! That more than doubled! My 9 year old beagle went from $566 to $1266. All because of a new underwriter. I had to change to a $250 deductible because I could no longer afford it. I immediately took my 5 year old beagle off the plan and moved him to PetPlan after Canine Journal’s article and other reputable reviews.
      So as I mentioned I changed to a $250 deductible and my now 12 year old beagle’s premium (2015) was paying $969 and it went up $1415… over 40% increase. My now 11 year old beagle went from $872 to $1238. This time I was told it went up a lot because they are now including congenital diseases. Oh and now prices increase because of vet pet increases and regional pricing. That’s why I would like Canine Journal to include annual premium increases in their analysis for best pet insurance.
      Pets Best has great customer service and reimbursement time BUT they are far from perfect. My dog used to receive giardia vaccines as part of their vaccine package. A few years ago the vet realized the vaccine was not effective so vets stop giving them. PetPlan acknowledges that and covers giardia, but Pets Best still does NOT cover it even though the American Veterinary Association doesn’t recommend a giardia vaccine because it just doesn’t work.
      People think changing underwriters is not a big deal but in this case, look at how high my premiums went up. I had no choice but to stay with them because of pre-existing conditions. I’m stuck and now I have to downgrade their plans again because I simply cannot afford paying hundreds of dollars more again.

  • Cindi Furkidz

    I am confused. Your comparison chart shows PetPlan as having an Excellent reputation in reimbursement and customer service yet in your article the Cons include:

    *A number of policy holders complain that Pet Plan delays payment on claims and requires duplicate proof of treatment documentation.
    *Users of Pet Plan complain that there is a waiting period before they can file a claim.

    In my opinion, these are pretty substantial cons that should affect their reputation in the categories of reimbursement and customer service. Can you explain the discrepancies?

    Thank you.

    • Michelle

      Hi Cindi and thank you for your question. You are correct – that was a rather confusing list of cons! We have actually combined the 2nd and 3rd con for PetPlan to reflect the reality of the few negative responses we have found. It now reads, "A number of policy holders complain that Pet Plan delays payment on claims (often due to a short up-front waiting period as a new customer) and requires extensive proof of treatment documentation."

      As you can imagine, many people file for insurance after a pet is already in harms way to try to avoid further costs down the road. This is among the biggest reasons for claims being denied by any pet insurance company because this often means that there was a pre-existing condition related to the claim. Sorry for this being misleading before. Also, the requirement of extensive treatment documentation is pretty standard but PetPlan does go the extra mile to make certain that claims are paid accurately and as promised to those who deserve them and not to those who do not so that they can maintain their reputation with vets, insurance underwriters and their customers.

      Hope this helps to clarify and thank you again for your questions.

  • Michelle S.

    I am looking for pet mortality and production insurance for a show stud…any pointers?

  • Anonymous

    I really like that you named the pet insurance companies that aren't going to waste my time when I'm shopping for pet insurance.  If there's one thing I hate, it's going online shopping for something and clicking to the pricing page and having to fill out a long drawn out form just to get a price quote two days later, or to have a company say they need to meet with me first.  I know it sounds impatient, but it's annoying.  For me, there's nothing that I like more than a flat rate.  Oh, it's joy.  I love clicking onto a website, clicking,"pricing," and actually seeing the price!  Is it too much to ask? 

    I know with insurance, you have to go through the whole quote rigmarole, but at least you've given me the direction to go in that might save me some time at least.  I love how you guys go into such in depth research.  I'm also glad you are going to be adding quotes over time, I think that every pet owner will end up stopping by this page for their pet insurance quote info.  I know I'm not the only one who hates wasting time.

  • Anonymous

    I like this article a lot! I think it’s about time that animals have something similar to human health insurance. Those who don’t take care of their animals need to be turned into the ASPCA, but those of us who love our animals should consider pet insurance. If people are tired of paying high prices at the veterinarian’s office, pet insurance is a wonderful idea. Most of us treat our animals like they’re family, so shouldn’t they be covered like our children? Pet insurance is a great idea for loving pet owners and I think those who have animals they care about should seek pet insurance.

    Like any other insurance, people need to do some shopping around. Insurance can be pricy, but the cost will be worth it in the long run. Nobody likes paying a bunch of money for very little coverage, so I advise looking for the most coverage for the least amount of money. Everyone knows it’s costly to see a veterinarian, but some of that money you need to pay would be covered with a good pet policy. Pets are our family, so let’s treat them like family and protect their health.

  • Anonymous

    Pet insurance is great for all the same reasons that insurance is good for people. Frankly, even though you may not want to think about it, dogs need medical care too. Whether it happens when you catch your dog tearing into some garbage and suddenly he feels sick, or he cuts his paw up on some rusty nails, or any other reason, you will probably find yourself in the pet hospital at some point. The best way to cope with this is to be prepared for it.

    The sheer cost of a hospital or emergency visit is enough in and of itself to consider pet insurance. On top of that, there are thousands of pet owners each year who cannot pay for the emergency care their pets need and the veterinary hospitals have to eat those costs. That translates to more expensive care for everyone. And then there is the most heart-wrenching of situations, when you need an elective treatment to save your pet’s life but cannot afford it, forcing you to scramble for a way to pay or lose your pet. Avoid all this with pet insurance; it is better for everyone.

  • Anonymous

    I've got to say, these quotes are much more complex than I expected. When I first heard about pet insurance, I thought, "What a great idea."  I figured I'd grab some up and pay about $20 a month and be all set. What I didn't know was that there are so many companies out there. I was surprised to see so many players in the realm of pet insurance.  I would definitely assume that it’s a profitable business, so I can see why so many people or companies got into it. 

    I was struck to see that pet insurance was so much like human insurance in that there were deductibles, reimbursements, and limits.  These are terms that confuse me even when it comes to human insurance. I appreciate also that you explain things so well in your article and that your insurance quote chart links directly to the reviews that you've already written about the companies.  Having all of these reviews in one place really helped me make a decision quickly. It would have taken me so long to gather all of this information in order to make a decision.

  • Anonymous

    I have to say, Pet Plan looks like the one I would pick out of all of them. Their prices look reasonable and in some case, quite a bit less than I would expect them to be. I like the fact that they have an excellent reputation for reimbursement and I like the limits and deductibles. I really thought PurinaCare  was going to have the best pricing and options, but I guess not. I guess I was predisposed to the Purina name.

    Now I have to wonder about other things that pertain to my personal situation. We are an animal loving household, so I wonder how hard it is to add on to a policy. I also wonder if they do pet insurance like they do other kinds of insurance and change the price when you change the policy. Does the deductible remain the same when you add a pet or is a per pet deductible. What kind of a discount do you get for having multiple pets? These are the things I am wondering about now.

  • Anonymous

    Wow there is some really handy information in here. I actually happen to have animals that fit two of those profiles, so this gave me a pretty good idea of what I may be looking at if I got them each a policy. I have to take into account that there may be some kind of discount for having more than one animal on a policy, but this really gives me great insight into what I could be looking at. I especially like the ratings that are given considering customer service and so forth. It is not worth it to try to go with the lowest price because all too often you really do get what you pay for.

    I want what everyone else wants. I want a low deductible, reasonable payments and no hassle for asking them to fulfill their end of the bargain, which pretty much means timely reimbursements and excellent customer service. If they can't provide those things, then they are not a company I want to be giving my money to.

  • Anonymous

    You know when I first read the title of the article; I thought to myself how can they really tell us about pet insurance quotes? Like how could they really tell us what to expect to pay for our pet?  All animals are so different in weight and in size, and every type of animal is predisposed different conditions, so it's really hard to say what your pet might need. 

    However, your article gave us a good rough idea of what our quotes might be.  I like how you approach this topic. Basically, you just show us a couple of pets and told us their quotes.

    It's not possible for you to cover every pet in one article, and I totally understand that. However, the pets that you chose to cover gave us good view of what it might possibly be like in our specific situation.

    I did not know before I read this article that there were so many variables to getting your pet covered like whether they were spayed or neutered, or whether they even had a microchip. I was very surprised to find that those things affect the quote I expected pre-existing conditions to be a factor though.

    I was also surprised that the ASPCA offers pet insurance.

  • Anonymous

    I know as much as anybody just how expensive that health care can be for animals.  Pet health insurance was not something that I was really even aware of until the last few years, but as my dog has gotten older, and the bills for my veterinary visits have gone up, I have started to do a little more research.

    This comparison really shed a lot of light on what to look for and honestly, I am a little surprised just how similar it is to looking for health insurance for my own self.  You want to find a provider that works with the doctor you are comfortable seeing or at the very least provides you the flexibility to find a doctor you can get to know and build a relationship around.

    The importance of prescription medication coverage is crucial also.  I have sought out cheaper alternatives to pet medication in the past, rather than buying straight from the vet which seems to get more and more expensive.  However, there is a lot of ambiguity around buying discount meds so I would rather use my insurance to get what I know is safe.

  • Anonymous

    I have been a pet owner for a long time now, but the concept of pet insurance coverage is still something that is somewhat new to me.  I know that it has been available now for several years but honestly, I just never really considered it.  However, as veterinary costs seem to get higher and higher, I thought it may be a good idea to investigate the costs thereof.  I had been reluctant to make calls though, because I know every company will try to eventually sell me on their service and I wanted some knowledge upfront first. This article has helped tremendously.

    Pet insurance, just like insurance for people, needs to be applicable to where you have your pet being cared for.  If your vet is not included in the insurance network, then it is pointless to carry insurance that will not pay out to that doctor.  Also, you must know just what kinds of service are included in your coverage.  This article helped me understand much more comprehensively what kinds of things I can expect from most pet insurance carriers and what is generally not included.

  • Anonymous

    This article actually takes on one of the most difficult questions to answer in the field of pet insurance. How much will it cost to cover my dog/cat or other animal is not an easy question to answer, at least not specifically. The basic problem is that there are so many different types of species and even breeds that it is almost impossible to give anything more definite than a very generic answer.

    This article actually attempts an answer to this question by providing several example pets. These examples include an 3 year old black Lab, a 5 year old Rottweiler and a 6 month old Chihuahua. Beyond this, they even take each animal and provide a number of additional details such as their pre-existing conditions (or lack thereof) and which state they live.

    What a great idea. Now we can examine each specific dog and then look at the table of the various insurance providers and see what rates they would charge for the above example. Of course, this does not preclude additional research, but it is a great place to start!

    • THOMAS J BRIGANTINO SR

      Can you provide an insurance comparison chart for a 7 year old Yorkie?   Thank you, Thomas J.Brigantino Sr.

  • Anonymous

    After looking this over, I think my dog is probably the most affordable. I wonder what makes the difference between the breeds. I know that some breeds have an inclination towards specific health problems, but I don't think any of the breeds listed here have any significant health problems that I know of. I mean, I know that dogs like shar-peis have some pretty serious health issues having to do with their skin and other breeds have some serious health issues, but I wonder what the difference between these animals is.

    I am so glad that pet insurance is a viable option though. I used to joke with a friend of mine that I wished I could insure my pet because the bills were really starting to add up. That was years ago, before there was such a thing as pet insurance. While I think it is great that pet insurance is an option, it kind of cracks me up that I can afford to insure my pet, but since I am self-employed, I can't afford to insure myself! It's not really funny, but I would rather laugh than cry.

  • Anonymous

    Thank you for this excellent resource! You have really taken all the work out of deciding on which company would be best for my pet. I love that all the information I need is right here. I also love that you covered all the important aspects, including how customers rate the business. It can be so overwhelming to dig through all this information on your own. Eventually you just end up sitting at your desk with stacks of papers in front of you, ready to scream.

    With this chart, I can quickly look at the most important information without having to sort through all the fine print. I really love the look of Pet Plan. Not only is the price good, but the features of the plan are excellent. More importantly, it is highly recommend by other users, which is wonderful. The deductible on this plan is higher than some of the others, but I think it's well worth it. The fact that this company offers multiple pet discounts and that the price doesn't change as the pet ages is just wonderful. Honestly, I can't imagine going with any other carrier. I can't wait to sign my pet up. Thank you for making it easy.

  • Anonymous

    What an excellent resource for pet owners! I do not have any of the animals described here, but it certainly gave me a good idea of what I can expect when I shop for pet insurance. You even included a detail I would never get if I were to just start calling around to find someone with a good pet insurance policy. You gave the reputation for reimbursement, which probably just saved me a hassle.

    I was looking over this chart and I found one that seemed like it would fit my needs and actually did fit my budget, but it says they have a poor reputation for reimbursement, so I am not even going to bother to call them. I want pet insurance so I can make my life a bit simpler, not more difficult. If I want issues with reimbursement then why even bother to buy insurance?

    Also I seriously had no idea where to look to find any kind of pet insurance. I did not want to call a vet in town or the local humane society because I want valid information, not information that is going to be based on whether or not they make a commission. I just want to be able to afford to keep my animals safe. I don't think that is asking too much. So thank you for giving this pet owner such a great resource on pet insurance with so many options and details.