Compare The Best Pet Insurance Plans 2021: Coverage & Comparison Charts

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Hope for the best, but prepare for the worst. That’s precisely what you’re doing when buying pet insurance. No one wants to cash in on their pet’s insurance policy, but you’ll be glad you have it if an emergency arises.

Our article compares more than a dozen pet insurance companies. See what type of plan you can get through each provider. What deductible, reimbursement, and claim limit options does each offer?

Then see how they compare in terms of exclusions. Find out if one company excels in policy coverage or is lacking in a certain area. You can also compare waiting periods to see when coverage will take effect. We have comparison tables to help you examine apples to apples easily, without feeling overwhelmed by the options.

Article Overview

Pet Insurance Checklist

Want to understand pet insurance? We’ve put together a checklist for you:

  1. Use our quote form widget to get free price quotes from several top pet insurance carriers. You can also examine our pet insurance quotes to see examples of pricing.*
  2. See how others compare to our top three pet insurance picks by reading all of our pet insurance reviews.
  3. Become an expert on pet insurance yourself by learning more.
  4. Choose the best pet insurance for your pet based on specific characteristics and needs (older dogs, dental needs, wellness, value, etc.).
  5. Read some surprising pet insurance statistics.
  6. Are you still confused? Get to know the pet insurance lingo with our terminology cheat sheet.

*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 costs, and more.

Ratings Of Policy Pricing

Get Free Pet Insurance Quotes

The cost of each pet insurance policy is unique to your pet. It’s calculated based on a vast number of 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.

Plan Comparison Table

The table below shows some of the deductible, reimbursement, and claim options for each company. Please know that not all deductibles, reimbursement levels, and claim limits are available for every dog in every state. 

CompanyReviewDeductible*Reimbursement**Claim Limit Options***Limit Term
24 Pet Watch logoRead Review$100, $250, $500, $1,00080%$5,000, $10,000, $20,000Annual
AKC logoRead Review$100, $250, $300, $400, $500, $600, $750, $1,00070%, 80%, 90%$2,500, $5,000, $7,500, $10,000, $15,000, $20,000, UnlimitedAnnual
ASPCA logoRead Review$100, $250, $50070%, 80%, 90%$3,000, $5,000, $7,000, $10,000Annual
Companion Protect LogoRead Review$100 Out Of Network
$50 In-Network
80% Out Of Network
90% In-Network
$100,000Lifetime
Embrace logoRead Review$200, $300, $500, $750, $1,00070%, 80%, 90%$5,000, $8,000, $10,000, $15,000, $30,000, UnlimitedAnnual
FIGO logoRead Review$100, $200, $250, $500, $750, $1,000, $1,50060%, 65%, 70%, 80%, 90%, 100%$5,000, $10,000, $20,000, UnlimitedAnnual
Hartville Pet Insurance LogoRead Review$100, $250, $50070%, 80%, 90%$3,000, $5,000, $7,000, $10,000, UnlimitedAnnual
Healthy Paws logoRead Review$100, $250, $500, $75060%, 70%, 80%, 90%UnlimitedAnnual
Nationwide Pet Insurance logoRead Review$25050%, 70%, 90%Limited Per Condition, UnlimitedAnnual & Per Condition Annually
PetFirst LogoRead Review$0, $50, $100, $250, $500, $2,50070%, 80%, 90%, 100%$1,000, $2,000, $5,000, $10,000, UnlimitedAnnual
PetPartners LogoRead Review$100, $250, $300, $400, $500, $600, $750, $1,00070%, 80%, 90%$2,500, $5,000, $7,500, $10,000, $15,000, $20,000, UnlimitedAnnual
PetPlan logoRead Review$250, $300, $50070%, 80%, 90%$5,000, $15,000, UnlimitedAnnual
PetPremium Logo with TaglineRead Review$100, $250, $50070%, 80%, 90%$3,000, $5,000, $7,000, $10,000Annual
Pets Best logoRead Review$50, $100, $200, $250, $500, $1,00070%, 80%, 90%$5,000, UnlimitedAnnual
Trupanion logoRead Review$0-$1,000 (in $5 increments)90%UnlimitedLifetime

*Deductible: The amount of money you must pay for vet treatment before your policy begins to reimburse you and after coinsurance has been applied. For most companies, you must pay this deductible annually rather than per incident for coverage to kick-in. Be sure to 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.
***Claim Limit Options: The highest amount a pet insurance company will reimburse during the policy period. A lower claim limit means you may be responsible for more costs if your pet experiences expensive vet treatment(s).

Pet Insurance Comparison Chart: Coverage Details By Company

Want to know if pet insurance will cover what you need and which are better suited for your unique needs? The table below help you see which company will best protect your pet and your wallet during the darkest times.

Please know that none of the pet insurance providers in our comparison cover pre-existing conditions, cremation and burial costs, pregnancy and breeding, or unnecessary cosmetic procedures. All of them cover the following items when deemed medically necessary: x-rays, blood tests, ultrasounds, cat scans, MRIs, rehabilitation, specialized exams, surgery, hospitalization, emergency care, specialty care, hydrotherapy, chronic conditions, cancer, diagnostic treatment, alternative/holistic therapy, and euthanasia. However, there may be limitations to this coverage, so please check your policy.

CompanyReviewExam Required To Set Health BaselineBehavioral TherapiesExam FeesWellness Care Available For An Extra FeeNon-Routine Dental TreatmentHereditary ConditionsCongenital ConditionsAverage Claim Repayment
24 Pet Watch logoRead ReviewCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkAllows 60 Days
AKC logoRead ReviewCheckmarkExtra FeeCheckmarkCheckmarkHereditaryPlus Plan*HereditaryPlus Plan*3-7 Days
ASPCA logoRead ReviewCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkUnknown
Companion Protect LogoRead ReviewCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkAllows 30 Days
Embrace logoRead ReviewCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark8-9 Days (5 Days Wellness)
FIGO logoRead ReviewExtra FeeCheckmarkCheckmarkCheckmark4 Days
Hartville Pet Insurance LogoRead ReviewCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkUnknown
Healthy Paws logoRead ReviewCheckmarkCheckmarkCheckmarkCheckmark2 Days
Nationwide Pet Insurance logoRead ReviewCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark4 Days
PetFirst LogoRead ReviewCheckmarkCheckmarkCheckmarkCheckmark5-10 Days
PetPartners LogoRead ReviewCheckmarkExtra FeeCheckmarkCheckmarkExtra FeeExtra Fee7 Days
PetPlan logoRead ReviewCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark22 Days
PetPremium Logo with TaglineRead ReviewCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkUnknown
Pets Best logoRead ReviewCheckmarkExtra FeeCheckmarkCheckmarkCheckmarkCheckmark25-40 Days
Trupanion logoRead ReviewCheckmarkCheckmarkCheckmarkCheckmarkAllows 60 Days

*HereditaryPlus endorsement is only available for enrolled dogs who are 2-years-old and younger.

TRUPANION FLORIDA RESIDENTS: The plan reviewed here is not available for new customers in Florida. Contact Trupanion to learn more about what is available in your state and read the policy carefully for details.

Waiting Periods Comparison Table

The table below lists any waiting period requirements before your pet insurance policy coverage takes effect.

CompanyReviewIllnessAccidentCCL SurgeryHip Dysplasia
24 Pet Watch logoRead Review14 or 30 DaysNone14 or 30 Days14 or 30 Days
AKC logoRead Review14 Days2 Days180 Days30 Days
ASPCA logoRead Review14 Days14 Days14 Days14 Days
Companion Protect LogoRead ReviewAfter pet's medical records are reviewedAfter pet's medical records are reviewedAfter pet's medical records are reviewedAfter pet's medical records are reviewed
Embrace logoRead Review14 Days2 Days6 Months6 Months
FIGO logoRead Review14 Days3 Days6 Months14 Days
Hartville Pet Insurance LogoRead Review14 Days14 Days14 Days14 Days
Healthy Paws logoRead Review15 Days15 Days15 Days12 Months
Nationwide Pet Insurance logoRead Review14 Days14 Days12 Months14 Days
PetFirst LogoRead Review14 Days1 Day6 Months14 Days
PetPartners LogoRead Review14 Days2 Days180 Days30 Days
PetPlan logoRead Review15 Days15 Days6 Months6 Months
PetPremium Logo with TaglineRead Review14 Days14 Days14 Days14 Days
Pets Best logoRead Review14 Days3 Days6 Months14 Days
Trupanion logoRead Review30 Days5 Days30 Days30 Days

Compare All Pet Insurance Companies

Get Free Pet Insurance Quotes

Visit our pet insurance reviews for a full list of companies we include in our annual review. This overview contains write-ups about key features for each company as well as pros and cons.

What Is Pet Insurance & Is It Worth It?

Still not sure whether you need or understand pet insurance? We created the ultimate pet insurance 101 guide, which includes:

  • What Is Pet Insurance?
  • How Does It Work?
  • Why Do I Need It?
  • How Much Does Pet Insurance Cost?
  • Is Pet Insurance Worth It?

Frequently Asked Questions

Here are some questions we get asked frequently by our readers regarding our pet insurance comparisons. Don’t see yours? Ask us in the comments.

Which Pet Insurers Are Not Reviewed?

Are any pet insurance providers excluded from your comparison? The pet insurance market is growing rapidly, and new providers are continually entering. We don’t rank companies until 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 company listing for a comprehensive listing of all the pet insurance companies we cover, along with basic stats, including their founding year, headquarters location, underwriter, customer service options, and support hours. We also list deductible, claim limit, and reimbursement options for each company so you can make a quick side-by-side comparison.

Can I See Insurers Sorted By Average Policy Cost?

The cost of each pet insurance policy is unique to your pet. It’s calculated based on a vast number of 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 Offer A Comparison Of Exotic Pet Insurance?

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?

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

Do You Have A Pet Insurance Comparison For Owners Of Multiple Pets?

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

What Could Possibly Go Wrong?

For those of you still on the fence, you’re probably wondering what kind of common 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 common surgeries for dogs and can cost more than $1,000 each time (per incident).

That’s a lot of money that you weren’t planning to spend, and many people don’t have that much cash lying around. 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.

Can you share your good (or bad) experience with pet insurance?

Please Comment Below!

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