Pet Insurance Comparison Charts (2024): Compare Quotes, Plans, Coverage, Waiting Periods & More

This content was reviewed by our licensed insurance agent, Michelle Schenker.

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Earning our highest scores in pet insurance for 2024 are Pets Best, Fetch, Healthy Paws, Embrace, Figo, and Lemonade. However, if your pet has pre-existing conditions, consider AKC Pet Insurance. Meanwhile, suppose your dog has previously been diagnosed with a bilateral condition (e.g., hip dysplasia, CCL injuries, cataracts, etc.). In that case, consider Trupanion or Nationwide.

Our experts compare plans, coverage, waiting periods, age limitations, pros and cons, and actual price quotes for several dog breeds so you can learn how the best pet insurance companies vary and get an idea of how much a pet insurance policy might cost. You’ll also learn how pet insurance cost is determined and how the reimbursement process works.

What You Need To Know About Pet Insurance

Want to understand pet insurance before you dive into the comparison tables below? We’ve put together a checklist for pet owners:

  1. Learn the essentials (along with some surprising statistics) by finding out how pet insurance works and whether it’s worth it.
  2. Learn who we chose as our best dog insurance of the year in our pet insurance plan reviews.
  3. Choose the best provider for your pet’s specific needs as we pick winners based on categories, including young pets, coverage, value, vet direct pay, pre-existing condition coverage, and more.

Top 6 Providers Compared

In this table, you’ll find our top picks for pet insurance providers this year. You can visit the companies’ websites to check them out and learn more about each company in their respective individual reviews.

Pet Insurance Ranking Best
Overall
Best For Young Pets Best No-Cap Payouts Best
Coverage
Best
Value
Best
Newcomer
Company pets best pet insurance logo 250 png healthy paws pet insurance logo 250 png embrace pet insurance logo 250 png figo pet insurance logo 250 png lemonade pet insurance logo 250 png
Average Policy Price Variable Variable Variable Higher Lower Average
Policy Coverage Extensive Extensive Limited Extensive Extensive Limited
Customer Service & Reputation Good Good Excellent, Stable Excellent, Stable Excellent, Stable Uncertain, New
Average Claim Processing 7-14 Days 5-6 Days 2 Days 5 Days 3 Days 2 Days
Vet Direct Pay Option      
Plan Customization Options Many Many Restricted Many Many Many
  Get A Quote Get A Quote Get A Quote Get A Quote Get A Quote Get A Quote
  Read Review Read Review Read Review Read Review Read Review Read Review

Pet Insurance Comparison Charts

We have found that the most helpful comparisons take a look at plans, coverage details, waiting periods, age limitations, pros and cons, and sample quotes. You’ll find all tables below, with providers sorted in order of ranking and popularity from our pet insurance reviews, where you can compare and rank ten providers.

What Pet Insurance Plans Are Available From Each Company?

The table below shows each company’s plan options, including deductible, reimbursement rate, and payout limit options. Please know that not all deductibles, reimbursement levels, and payout limits are available for every pet in every state.

CompanyDeductible*Reimbursement**Payout Limit***Wellness PlansAccident-Only Plans
pets best logo 250 transparent$50, $100, $200, $250, $500, $1,00070%, 80%, 90%$5,000, Unlimitedcheckmarkcheckmark
fetch logo 250 transparent$300, $500, $70070%, 80%, 90%$5,000, $10,000, $15,000checkmark
healthy paws logo 250 transparent$100, $250, $500, $750, $1,00050%, 60%, 70%, 80%, 90%Unlimited
$100, $250, $500, $750, $1,00070%, 80%, 90%$5,000, $8,000, $10,000, $15,000, Unlimitedcheckmarkcheckmark
figo logo 250 transparent$100, $250, $500, $75070%, 80%, 90%, 100%$5,000, $10,000, Unlimitedcheckmark
$100, $250, $50070%, 80%, 90%$5,000, $10,000, $20,000, $50,000, $100,000checkmark
trupanion logo 250 transparent$0-$1,000 (in $5 increments)90%Unlimited
aspca logo 250 transparent$100, $250, $50070%, 80%, 90%$3,000, $4,000, $5,000, $7,000, $10,000checkmarkcheckmark
spot logo 250 transparent$100, $250, $500, $750, $1,00070%, 80%, 90%$2,500, $3,000, $4,000, $5,000, $7,000, $10,000, Unlimitedcheckmarkcheckmark
nationwide logo 250 transparent$100, $250, $50050%, 70%, 80%, 90%Limited Per Condition, $5,000, Unlimitedcheckmark
*Deductible: The amount of money you must pay for vet treatment before your policy will begin to reimburse you and after coinsurance has been applied. For most companies, you must pay this deductible annually rather than per incident. Ensure you understand your policy, as the annual vs per-incident deductible can vary greatly.
**Reimbursement: The percentage of a claim that you’re eligible for repayment by the pet insurance company after you’ve paid the coinsurance.
***Payout Limit: A pet insurance company will reimburse the most during the policy period. A lower payout limit means you may be responsible for more costs if your pet experiences expensive vet treatment(s).

Pet Insurance Company Coverage Comparison Table

The table below helps you see which company will best protect your pet and your wallet during the darkest times and what pet insurance covers.

CompanyBehavioral TherapiesAlternative/ Holistic TherapiesC-SectionsExam FeesGum (Periodontal) DiseaseTooth ExtractionAvg Claim ProcessingCurable Pre-Existing Conditions*
pets best logo 250 transparentCheckmarkExtra FeeCheckmarkCheckmark7-14 DaysCheckmark
fetch logo 250 transparentCheckmarkCheckmarkCheckmarkCheckmarkCheckmark5-6 DaysCheckmark
healthy paws logo 250 transparentDue To Accident2 Days
embrace logo transparent 200 pngCheckmarkCheckmarkCheckmarkCheckmarkCheckmark5 DaysCheckmark
figo logo 250 transparentCheckmarkCheckmarkCheckmarkExtra FeeDue To Accident3 DaysCheckmark
lemonade logo 250 transparentExtra FeeExtra FeeExtra FeeExtra FeeDue To Accident2 DaysCheckmark
trupanion logo 250 transparentCheckmarkExtra FeeCheckmarkCanines & Carnassials OnlyCheckmark2 DaysCheckmark
aspca logo 250 transparentCheckmarkCheckmarkCheckmark15-30 DaysCheckmark
spot logo 250 transparentCheckmarkCheckmarkCheckmark10-14 DaysCheckmark
nationwide logo 250 transparentCheckmarkCheckmarkCheckmark4 Days
*Coverage for curable pre-existing conditions varies by provider. To learn more, read each company’s individual review, including details about this coverage.

What Are Waiting Periods*?

All pet insurers have waiting period requirements – the time between enrollment and when coverage kicks in. Companies generally have about a 14-day waiting period for illnesses and a 3-day waiting period for accidents. Additional waiting periods may exist for cranial cruciate ligament (CCL) surgery, hip dysplasia, and other orthopedic conditions. These waiting periods can be as long as six or twelve months, so check these details closely before signing up.

*Waiting periods for California, Delaware, Louisiana, Maine, Mississippi, Nebraska, New Hampshire, and Washington are as follows:

  • Accidents - 0 days
  • Illnesses - 14 days
  • Cruciate Ligament Conditions - 30 days
  • Routine Care - 0 days
CompanyIllnessAccidentCCL SurgeryHip DysplasiaWellness*Other
pets best logo 250 transparent14 Days3 Days6 Months14 Days0 Days
fetch logo 250 transparent15 Days15 Days6 Months6 Months0 Days
healthy paws logo 250 transparent15 Days15 Days15 Days12 Months
embrace logo transparent 200 png14 Days2 Days6 Months6 Months0 DaysIVDD, Patellar Luxation – 6 Months
figo logo 250 transparent14 Days1 Day6 Months6 Months0 DaysOrthopedic Conditions – 6 Months
lemonade logo 250 transparent14 Days2 Days6 Months14 Days0 Days
trupanion logo 250 transparent30 Days5 Days30 Days30 Days
aspca logo 250 transparent14 Days14 Days14 Days14 Days0 Days
spot logo 250 transparent14 Days14 Days14 Days14 Days0 Days
nationwide logo 250 transparent14 Days14 Days12 Months14 Days1 Day
*Wellness coverage is only applicable if you purchase it as an add-on and is not an insurance product.

Are There Age Restrictions For Pet Insurance?

Is there an age limit on your pet’s ability to enroll in a new pet insurance policy? The table below shows pet insurance age restrictions for some of the top pet insurance companies. Please know that once you’ve purchased and maintained a pet insurance policy from one of these companies, they will not end coverage as your pet ages so long as you keep your policy paid and active.

The best age to buy a pet insurance policy for your dog is as young as possible (ideally as a puppy) to minimize the pre-existing conditions that could be excluded from your coverage.

CompanyMinimum Age At EnrollmentMaximum Age At EnrollmentOther Age Restrictions
pets best logo 250 transparent7 Weeks Old
fetch logo 250 transparent6 Weeks Old
healthy paws logo 250 transparent8 Weeks Old14 Years OldPlan Restrictions*
embrace logo transparent 200 png6 Weeks Old14 Years Old For Illness
figo logo 250 transparent8 Weeks Old
lemonade logo 250 transparent8 Weeks OldDepends On BreedPlan Restrictions**
trupanion logo 250 transparent14 Years Old
aspca logo 250 transparent8 Weeks Old
spot logo 250 transparent8 Weeks Old
nationwide logo 250 transparent10 Years Old
*Healthy Paws Plan Restrictions – Must be enrolled before four years old in NY; enrollment after six years old has plan restrictions & no hip dysplasia coverage (MD doesn’t have this age limitation for hip dysplasia coverage).
**Lemonade Plan Restrictions – No enrollment for some breeds beyond specific ages.

Pros & Cons Comparison Table

The table below points out the most significant strengths and weaknesses to help you see the key differences between the pet insurance providers.

CompanyProsCons
pets best logo 250 transparent– Accident-only coverage available
– No upper age limits
– Coverage for curable pre-existing conditions
– Slow claim processing average (7-14 days)
fetch logo 250 transparent– Coverage as young as 6 weeks old
– $1,000 annually in VirtualVet visit coverage
– Coverage for curable pre-existing conditions
– Long accident waiting period (15 days)
healthy paws logo 250 transparent– Unlimited annual coverage for all plans
– Fastest claim processing average (2 days)
– Limited plan customization
– No enrollment for pets older than 14yrs
– No coverage for curable pre-existing conditions
embrace logo transparent 200 png– Behavioral therapy and training for covered conditions
– Coverage for curable pre-existing conditions
– No illness coverage for dog enrolled after 15yrs
figo logo 250 transparent– 100% reimbursement available
– Shortest accident waiting period (1 day)
– Add ons required for coverage others include in base plans
lemonade logo 250 transparent– Fastest claim processing average (2 days)– New to pet insurance (2020)
– Only available in 37 states and Washington DC
– Breed restrictions based on age
trupanion logo 250 transparent– Vet Direct Pay allows payment during checkout
– No bilateral exclusions
– Breeder Support Program
– No enrollment for pets older than 14yrs
– Long illness waiting period (30 days)
– Typically more expensive than others
aspca logo 250 transparent– Accident-only plan available– Long accident waiting period (14 days)
– Slow claim processing average (15-30 days)
spot logo 250 transparent– Accident-only plan available– New to pet insurance (started in 2019)
– Long accident waiting period (14 days)
– Slow claim processing average (10-14 days)
nationwide logo 250 transparent– Exotic pet insurance
– Traditional and benefit schedule plans
– No bilateral exclusions
– Long accident waiting period (14 days)
– No enrollment for pets older than 10yrs
– No coverage for curable pre-existing conditions

How Much Is Pet Insurance? Let’s Compare Price Quotes

We ran quotes and created price comparison tables (below) to help show how pet insurance prices can vary by provider. We tried to compare apples-to-apples, but sometimes, it’s impossible since only some offer the same payout limits, reimbursement percentages, and deductible amounts. The quotes listed have the fewest exclusions possible from each provider.

To create a broad range of quote examples, we chose locations and breeds based on the most popular geographic areas to own a pet insurance policy and the most popular breeds in those locations. All companies have annual coverage limits except for Trupanion (lifetime) and Nationwide (per condition annually). Please scroll down to see them all or jump to a specific quote below.

Labrador Retriever In Texas

  • 6-month-old
  • Female (not spayed)
  • No pre-existing conditions
  • Houston, Texas (77005)
  • Quotes are from August 2023
CompanyPayoutReimbursementDeductibleMonthly PremiumMonthly Transaction FeeOne-Time FeeMonthly Wellness Plan Premium*
pets best logo 250 transparentUnlimited90%$250$113.37$2.00$16 or $26
fetch logo 250 transparent$15,00090%$300$85.69
healthy paws logo 250 transparentUnlimited80%$250$73.68
embrace logo transparent 200 pngUnlimited90%$250$101.34$1.00$25.00$18.75, $35.42, or $52.09
figo logo 250 transparentUnlimited90%$250$83.58$2.00$15.00$9.50 or $16.50
lemonade logo 250 transparent$100,00090%$250$159.54$17.58 or $48.41
trupanion logo 250 transparentUnlimited90%$0$262.15$35.00
aspca logo 250 transparent$10,00090%$250$107.71$2.00$9.95 or $24.95
spot logo 250 transparentUnlimited90%$250$162.41$2.00$9.95 or $24.95
nationwide logo 250 transparentUnlimited80%$250$69.75$2.00$29.44 or $56.46
*Wellness plans are optional coverage

French Bulldog In California

  • 1-year-old
  • Male (neutered)
  • No pre-existing conditions
  • Los Angeles, California (90016)
  • Quotes are from August 2023
CompanyPayoutReimbursementDeductibleMonthly PremiumMonthly Transaction FeeOne-Time FeeMonthly Wellness Plan Premium*
pets best logo 250 transparentUnlimited80%$500$142.75$2.00$16 or $26
fetch logo 250 transparent$10,00080%$500$90.87
healthy paws logo 250 transparentUnlimited70%$500$72.66
embrace logo transparent 200 png$10,00080%$500$73.86$1.00$25.00$18.75, $35.42, or $52.09
figo logo 250 transparent$10,00080%$500$94.38$2.00$15.00$9.50
lemonade logo 250 transparent$10,00080%$500$79.58$16 or $44
trupanion logo 250 transparentUnlimited90%$500$205.51$35.00
aspca logo 250 transparent$10,00080%$500$78.60$2.00$9.95 or $24.95
spot logo 250 transparent$10,00080%$500$78.60$2.00$9.95 or $24.95
nationwide logo 250 transparent$10,00070%$250$88.05$2.00$15.88 or $31.23
*Wellness plans are optional coverage

French Bulldog In New York

  • 3-year-old
  • Female (spayed)
  • No pre-existing conditions
  • New York, New York (10005)
  • Quotes are from August 2023
CompanyPayoutReimbursementDeductibleMonthly PremiumMonthly Transaction FeeOne-Time FeeMonthly Wellness Plan Premium*
pets best logo 250 transparent$5,00070%$250$119.46$2.00$16 or $26
fetch logo 250 transparent$5,00070%$300$119.53
healthy paws logo 250 transparentUnlimited70%$500$127.65
embrace logo transparent 200 png$5,00070%$250$144.67$1.00$25.00$18.75, $35.42, or $52.09
figo logo 250 transparent$5,00070%$250$90.16$2.00$15.00$16.50
lemonade logo 250 transparent$5,00070%$250$95.23$16 or $24.29
trupanion logo 250 transparentUnlimited90%$250$446.79$35.00
aspca logo 250 transparent$4,00070%$250$98.40$2.00$9.95 or $24.95
spot logo 250 transparent$5,00070%$250$105.36$2.00$9.95 or $24.95
nationwide logo 250 transparent$10,00070%$250$161.60$2.00
*Wellness plans are optional coverage

Printable Pet Insurance Comparison Charts (PDF)

Pet insurance comparison chart.

Want a printable, easy-to-reference version of the pet insurance comparison charts above? Look no further. We’ve put one together for you with all the charts condensed onto five pages (three if you print double-sided). Click here to view it and print it. Included are:

  1. Plan Customization Comparison – shows each company’s plan options.
  2. Coverage & Exclusions Comparison – shows what’s included with coverage (everything from behavioral therapies to exam fees).
  3. Waiting Periods Comparison – lists each company’s waiting period requirements before your new pet insurance policy coverage takes effect.
  4. Age Limitations Comparison – shows new enrollment age restrictions. Once you’ve purchased and maintained a pet insurance policy, coverage won’t end as your pet ages if you stay current on payment.
  5. Pros & Cons Comparison – points out the most impactful strengths and weaknesses of the top 10 pet insurance companies.

How Is Pet Insurance Cost Determined?

The cost of each pet insurance policy is unique to your specific pet. It’s calculated based on many variables.

Plan Details

The type of plan you select (accident-only plan or accident and illness plan), as well as the annual payout limit, deductible, and reimbursement percentage for that plan impacts your pet insurance premium.

Payout Limit

The payout limit is the most money a pet insurer will reimburse during the policy term or the pet’s insured lifetime. Plans with lower payouts are less expensive than those with higher or unlimited annual payouts. However, a lower payout limit also means you’re liable for more costs if your pet has expensive veterinarian treatment.

Deductible

The deductible is the portion of the vet bill you’re responsible for paying before the provider pays out or reimburses your claim. Typically, plans with higher deductibles are less expensive than those with lower deductibles. However, a higher deductible also means you must cover more vet costs before your pet insurance kicks in.

There are two deductible types: annual and incident.

Annual Deductible

Policies with an annual deductible require you to fulfill the deductible once per policy period. Most pet insurers use annual deductibles for their policies.

Pet insurance plans with annual deductibles are easier to budget for because you know the deductible only needs to be met once during the policy term.

Incident Deductible

Plans with a per-incident deductible require you to meet the deductible once for each new emergency your pet has. Trupanion and Nationwide are the only insurers we review that utilize per-incident deductibles.

Dogs who suffer from a chronic condition may benefit from a policy with an incident deductible because you only need to pay the deductible once for each condition. So once you’ve paid the deductible for your dog’s chronic condition, you won’t need to pay that condition’s deductible again.

Reimbursement

The reimbursement is the percentage of a claim eligible for repayment by the insurance company after your deductible. Plans with lower reimbursement percentages are less expensive than those with higher reimbursement percentages. However, a lower reimbursement percentage also means your copay is higher for each pet insurance claim you submit.

Pet’s Age

Younger pets typically have lower premiums than older pets. This is because older pets are at an increased risk of experiencing an accident or illness, resulting in more costly vet bills. Policyholders with older pets should expect higher pet insurance premiums to match the increased risk and an increase in premiums as your pet ages.

Pet’s Breed

Purebred dogs have a less diverse gene pool than mixed-breed dogs, resulting in an increase in hereditary condition diagnoses. Therefore, mixed-breed dogs tend to be healthier than purebreds. Because of this, mixed breeds typically have fewer vet bills than purebreds. Less veterinary expenses lead to lower risk for insurers and often are reflected in premium prices.

Pet’s Gender

Males are typically larger than females, so they often require higher doses of medication, larger medical equipment, and additional medical supplies. All of this increases the cost of male vet care over that for females.

According to NAPHIA‘s latest report, of the top ten claims paid for dogs in North America in 2022, seven of them were for males, totaling $328,081 (an increase of more than $63,000 from 2021), and three were for females, totaling $151,847, (an increase of more than $14,000 from 2021).

This stat further demonstrates how much pet insurance claims have increased in just one year, making the argument for buying pet insurance even more convincing.

Your Location

Where you live (your zip code) influences your premium because the cost of supplies, office space, staff, etc., impacts your vet bill. This is why medical procedure costs vary from city to city and nationwide. Each vet office must determine the cost of the procedure, including equipment, personnel, prescription medication, etc. Just as living costs vary from the country to the city, so does the cost of vet care.

What Is The Average Cost Of Pet Insurance?

According to NAPHIA (North American Pet Health Insurance Association), the average monthly premium for an accident and illness dog insurance policy in the U.S. is $53.34 ($32.25 for cats).

You should expect annual increases in your premiums from most pet insurance companies. These rates and increases will vary based on your location, changes in vet care costs, inflation, and more. Since the price for your pet may differ significantly from that of others for any given provider, we encourage you to get your own quotes from multiple companies.

Frequently Asked Questions

Our readers frequently ask these questions after reading our comparisons.

Which Pet Insurers Are Not Reviewed?

Are any pet insurance providers excluded from your comparison? The pet insurance market is proliferating, and new providers are continually entering. We only rank companies once they have a five-year history in the pet insurance industry due to frequent price fluctuations, and we want to ensure that they will still be around. However, we do review them.

Visit our alphabetical pet insurance company catalog for a comprehensive listing of all the providers we cover, along with basic stats, including their founding year, headquarters location, underwriter, customer service options, and support hours. We also list each company’s deductibles, payout limits, and reimbursement options so you can make a quick side-by-side comparison.

Is It Possible To Compare Insurers By Average Policy Cost?

The cost of each pet insurance policy is unique to your pet. It’s calculated based on many variables, including but not limited to your pet’s age, breed, location (i.e., where you live), health conditions, etc.

We calculate our “price of policy” ratings based on quotes we run in addition to reader and consumer feedback. Since the price for your pet may vary significantly from that of others for any given provider, we encourage you to get quotes from multiple companies with one form.

Do You Compare Pet Insurance For Exotic Pets?

It’s nice to get quotes for dogs and cats, but we have a pet boa constrictor we would like to insure. Can you help us out?

-Canine Journal Reader

Sure! We don’t want any pet to feel left out. Currently, only one company offers pet insurance for exotic pets in the US. Find out who it is and what’s covered in our exotic pet insurance comparison.

Are There Discounts Available For Owners Of Multiple Pets?

Coverage for more than one pet (in the same household) varies by provider, but you can get a multi-pet discount in many instances. Our experts have researched for you. Find out which provider wins our best pet insurance for multiple pets award.

Do You Cover Rabbit Pet Insurance?

We have a pet insurance rabbit comparison that explains how rabbit insurance works, your options, how it’s different from dog insurance, how much it costs, and more.

Do You Compare Pet Insurance Plans In Other Countries (UK, Australia, Ireland, Canada, etc.)?

Our pet insurance comparisons only cover providers in the United States.

An example of a pet insurance brand that operates in several different countries is Petplan. They were founded and are the largest pet insurance provider in the UK, but they also license their name for use in Australia, Brazil, Canada, Germany, the Netherlands, New Zealand, and Spain. In January 2022, the company that formerly operated under the Petplan UK license in the U.S. changed its brand name to Fetch.

If there’s enough interest, we may expand our comparison of plans to include the UK, Australia, Ireland, Canada, Europe, and more.

Learn About Typical Costs And How Reimbursements Work

For those of you still on the fence, you’re probably wondering what kind of scenarios your pup might get into when pet insurance would apply. Check out our list of common dog health issues to get an idea. For example, removing lumps and bumps is one of the most frequent surgeries for dogs and can cost more than $1,000 each time (per incident).

That’s a lot of money you weren’t planning to spend, and many people only have a little cash. Getting pet insurance can lift that weight so you can focus on caring for and enjoying your time with your pets instead of worrying about the financial risk of paying for unexpected medical bills.

I break down pet insurance costs, including deductibles, reimbursements, premiums, extra fees, payout options, benefit schedules, and more, to help explain the ins and outs. I will also take you through how (and how quickly) reimbursement works.

Why Trust Canine Journal?

Canine Journal has been covering the topic of pet insurance since 2012, well before other conglomerates discovered the rising popularity of health care for our pets. Many of our authors have personal experience with pet insurance, including Kimberly Alt, who has been Canine Journal’s go-to author for pet insurance for over a decade, having written about nearly every possible facet related to pet insurance. Kimberly knows the subject so well that she can answer a breadth and depth of pet insurance questions immediately. And on the rare occasion she doesn’t know the answer off the top of her head, she can find it within minutes due to her extensive list of resources. Kimberly also consulted with Michelle Schenker, Canine Journal’s in-house licensed insurance agent, for additional expertise, to ensure accuracy, and give Canine Journal the authority to write about and assist readers in purchasing policies legally.

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Disclaimer: Information regarding insurance company offerings, pricing, availability, 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 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.

The information provided through this website should not be used to diagnose or treat a health problem or disease; it is not intended to offer any legal opinion or advice or a substitute for professional safety advice or professional care. Please consult your health care provider, attorney, or product manual for professional advice. Products and services reviewed are provided by third parties; we are not responsible in any way for them, nor do we guarantee their functionality, utility, safety, or reliability. Our content is for educational purposes only.

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