Pet Insurance Comparison Charts 2021: Compare Quotes, Plans, Coverage, And Waiting Periods

Dog at the vet getting checked out (caption: Pet Insurance Comparison)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 payout options do 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, without feeling overwhelmed by the options.

Article Overview

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 you:

  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 our experts chose as our top three picks overall this year in our best pet insurance reviews.
  3. Choose the best pet insurance provider for your pet’s specific need as our experts pick winners based on categories including older dogs, dental benefits, wellness, value, and more.

Pet Insurance Quote Comparison

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. You can also examine our pet insurance quotes to see examples of pricing.*

*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.

Top 3 Best Pet Insurance Companies

In this table you’ll find our top three picks for pet insurance providers this year. You can visit the providers’ websites to check them out and read our experts’ reviews and rankings (the review links take you to our pet insurance reviews article). Below the table you’ll find our pet insurance comparison tables, sorted alphabetically by provider.

Figo logoHealthy Paws logoPets Best logo
Visit WebsiteVisit WebsiteVisit Website
Ranking1st2nd3rd
Total Score4.554.304.25
Policy Coverage4.904.305.00
Customer Service & Reputation4.404.904.30
Claim Repayment4.504.702.60
Price Of Policy4.003.904.40
Plan Customization5.003.805.00
Read ReviewRead ReviewRead Review

Pet Insurance Comparison Charts

Our experts have found that the most useful pet insurance comparison charts compare plans, coverage details (by company), and waiting periods. You’ll find all three tables below, with providers sorted alphabetically.

Pet Insurance Plans Comparison Chart

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

CompanyReviewDeductible*Reimbursement**Payout 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. You must pay this deductible annually for most companies 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.
***Payout Options: The highest amount a pet insurance company will reimburse during the policy period. A lower payout limit means you may be responsible for more costs if your pet experiences expensive vet treatment(s).

Coverage Details (By Company) Comparison Chart

Want to know if pet insurance will cover what you need and which are better suited for your unique needs? The table below helps 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, chronic conditions, cancer, 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 ReviewCheckmarkExtra FeeExtra FeeCheckmarkCheckmarkCheckmark3 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 Chart

The table below lists any waiting period requirements before your pet insurance policy coverage takes effect. (Note, IVDD stands for intervertebral disc disease.)

CompanyReviewIllnessAccidentCCL SurgeryHip DysplasiaOther
24 Pet Watch logoRead Review14 or 30 DaysNone14 or 30 Days14 or 30 DaysNot Available
AKC logoRead Review14 Days2 Days180 Days30 DaysIVDD - 180 Days
ASPCA logoRead Review14 Days14 Days14 Days14 DaysNot Available
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 reviewedNot Available
Embrace logoRead Review14 Days2 Days6 Months6 MonthsOrthopedic Conditions - 6 Months
FIGO logoRead Review14 Days1 Day6 Months6 MonthsOrthopedic Conditions: 6 Months
Hartville Pet Insurance LogoRead Review14 Days14 Days14 Days14 DaysNot Available
Healthy Paws logoRead Review15 Days15 Days15 Days12 MonthsNot Available
Nationwide Pet Insurance logoRead Review14 Days14 Days12 Months14 DaysNot Available
PetFirst LogoRead Review14 Days1 Day6 Months14 DaysIVDD - 6 Months
PetPartners LogoRead Review14 Days2 Days180 Days30 DaysIVDD - 180 Days
PetPlan logoRead Review15 Days15 Days6 Months6 MonthsNot Available
PetPremium Logo with TaglineRead Review14 Days14 Days14 Days12 MonthsNot Available
Pets Best logoRead Review14 Days3 Days6 Months14 DaysNot Available
Trupanion logoRead Review30 Days5 Days30 Days30 DaysNot Available

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 catalog 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, payout 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.

Can I See A Pet Insurance Comparison For Rabbits?

Sure thing! 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.

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?


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