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Pet Insurance Quotes: Compare Different Breeds And Ages

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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.

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Pet Insurance Reviews and Quote Examples

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 three best pet insurance carriers in that article.

A Note on Pricing

Below are just a few pet insurance quotes that we recently ran. Although you may see that one company is less expensive than another for a pet similar to yours, it doesn’t mean that will be true for your specific pet, since price quotes are based on a large number of factors, including your pet’s age, breed, geographic location, health history, and more. We encourage you to run quotes from each of our top pet insurance providers to get a better idea of the type of coverage and pricing to expect before you buy.

Some pet insurance providers also have transaction fees and/or one time fees. Transaction fees are charged each time you pay for your pet’s insurance. You can reduce the number of times you pay this by paying quarterly, semi-annually or annually. Not all pet insurance providers charge a transaction fee or a one time setup fee, but we have included these in our tables so you have a better understanding of what you’ll be paying.

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:

  • 4 Year Old Black Lab (Birthday: 4/24/2013)
  • Neutered Male
  • No Microchip
  • No Multi-pet Discount
  • No Pre-Existing Conditions
  • Richmond, Virginia (zip code 23230)
  • Quote is from April 25, 2017
CompanyReviewVisit WebsiteDeductibleReimbursementLimit AmountLimit TermMonthly PriceTransaction FeeOne Time Fee
24 Pet Watch logoRead ReviewVisit Website$10080%$10,000Annual$72.77$2.50N/A
AKC logoRead ReviewVisit Website$250$3,000 Incident Level$10,000Annual$71.92$4.00N/A
ASPCA logoRead ReviewVisit Website$25080%$10,000Annual$62.89$2.00N/A
Embrace logoRead ReviewVisit Website$20080%$10,000Annual$58.70N/AN/A
FIGO logoRead ReviewVisit Website$20080%UnlimitedAnnual$43.52N/A$9.00
Healthy Paws logoRead ReviewVisit Website$25080%UnlimitedLifetime$47.49N/A$25.00
Nationwide Pet Insurance logoRead ReviewVisit Website$250Benefit Schedule (vague)UnlimitedAnnual$36.97$2.00N/A
PetFirst logoRead ReviewVisit Website$25080%$10,000Annual$69.95N/AN/A
Petplan logoRead ReviewVisit Website$25080%UnlimitedAnnual$67.30$3.00$25.00
Pets Best logoRead ReviewVisit Website$25080%UnlimitedLifetime$57.11$2.00N/A
Trupanion logoRead ReviewVisit Website$25090%UnlimitedLifetime$68.28N/A$35.00

Dog – Mixed Breed Dog Pet Insurance Quote

Characteristics considered for these quotes:

  • 5 Year Old Mixed Breed Dog, Medium-sized (40 lbs) (Birthday: 4/24/2012)
  • Spayed Female
  • No Microchip
  • No Multi-pet Discount
  • No Pre-Existing Conditions
  • South Bend, Indiana (zip code 46616)
  • Quote is from April 25, 2017
CompanyReviewVisit WebsiteDeductibleReimbursementLimit AmountLimit TermMonthly PriceTransaction FeeOne Time Fee
24 Pet Watch logoRead ReviewVisit Website$10080%$10,000Annual$69.13$2.50N/A
AKC logoRead ReviewVisit Website$250$3,000 Incident Level$10,000Annual$37.75$4.00N/A
ASPCA logoRead ReviewVisit Website$25080%UnlimitedAnnual$49.22$2.00N/A
Embrace logoRead ReviewVisit Website$20080%$10,000Annual$33.62N/AN/A
FIGO logoRead ReviewVisit Website$20080%UnlimitedAnnual$39.32N/A$9.00
Healthy Paws logoRead ReviewVisit Website$25080%UnlimitedLifetime$37.19N/A$25.00
Nationwide Pet Insurance logoRead ReviewVisit Website$250Benefit Schedule (vague)UnlimitedAnnual$34.66$2.00N/A
PetFirst logoRead ReviewVisit Website$25080%$10,000Annual$58.95N/AN/A
Petplan logoRead ReviewVisit Website$25080%UnlimitedAnnual$53.87$3.00$25.00
Pets Best logoRead ReviewVisit Website$25080%UnlimitedLifetime$30.39$2.00N/A
Trupanion logoRead ReviewVisit Website$25090%UnlimitedLifetime$59.53N/A$35.00

Dog – Standard Poodle Pet Insurance Quote

Characteristics considered for these quotes:

  • 6 Month Old Standard Poodle (Birthday: 11/24/2016)
  • Not Neutered Male
  • No Microchip
  • No Multi-pet Discount
  • No Pre-Existing Conditions
  • Long Beach, California (zip code 90801 — 90802 for Petplan)
  • Quote is from April 25, 2017
CompanyReviewVisit WebsiteDeductibleReimbursementLimit AmountLimit TermMonthly PriceTransaction FeeOne Time Fee
24 Pet Watch logoRead ReviewVisit Website$10080%$10,000Annual$46.20$2.50N/A
AKC logoRead ReviewVisit Website$250$3,000 Incident Level$10,000Annual$49.50$4.00N/A
ASPCA logoRead ReviewVisit Website$25080%UnlimitedAnnual$65.83$2.00N/A
Embrace logoRead ReviewVisit Website$20080%$10,000Annual$70.89N/AN/A
FIGO logoRead ReviewVisit Website$20080%UnlimitedAnnual$36.44N/A$9.00
Healthy Paws logoRead ReviewVisit Website$25080%UnlimitedLifetime$37.11N/A$25.00
Nationwide Pet Insurance logoRead ReviewVisit Website$250Benefit Schedule (vague)UnlimitedAnnual$34.25$2.00N/A
PetFirst logoRead ReviewVisit Website$25080%$10,000Annual$68.95N/AN/A
Petplan logoRead ReviewVisit Website$25080%UnlimitedAnnual$53.35$3.00$25.00
Pets Best logoRead ReviewVisit Website$25080%UnlimitedLifetime$44.16$2.00N/A
Trupanion logoRead ReviewVisit Website$25090%UnlimitedLifetime$54.54N/A$35.00

Cat – Mixed Breed, Medium-Hair Domestic Cat Pet Insurance Quote

Characteristics considered for these quotes:

  • 4 Year Old Mixed Breed, Medium Hair Cat (Birthday: 4/24/2013)
  • Spayed Female
  • No Microchip
  • No Multi-pet Discount
  • No Pre-Existing Conditions
  • Chicago, Illinois (zip code 60622)
  • Quote is from April 25, 2017
CompanyReviewVisit WebsiteDeductibleReimbursementLimit AmountLimit TermMonthly PriceTransaction FeeOne Time Fee
24 Pet Watch logoRead ReviewVisit Website$10080%$10,000Annual$36.96$2.50N/A
AKC logoRead ReviewVisit Website$250$3,000 Incident Level$10,000Annual$40.17$4.00N/A
ASPCA logoRead ReviewVisit Website$25080%UnlimitedAnnual$31.70$2.00N/A
Embrace logoRead ReviewVisit Website$20080%$10,000Annual$30.00N/AN/A
FIGO logoRead ReviewVisit Website$20080%UnlimitedAnnual$12.44N/A$9.00
Healthy Paws logoRead ReviewVisit Website$25080%UnlimitedLifetime$22.10N/A$25.00
Nationwide Pet Insurance logoRead ReviewVisit Website$250Benefit ScheduleUnlimitedAnnual$20.04$2.00N/A
PetFirst logoRead ReviewVisit Website$25080%$10,000Annual$32.95N/AN/A
Petplan logoRead ReviewVisit Website$25080%UnlimitedAnnual$34.73$3.00$25.00
Pets Best logoRead ReviewVisit Website$25080%UnlimitedLifetime$23.63$2.00N/A
Trupanion logoRead ReviewVisit Website$25090%UnlimitedLifetime$42.18N/A$35.00

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?

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.

Growing up, Kimberly used to get the sniffles when she was around dogs. Thankfully, she grew out of her allergy and is now able to play and snuggle with dogs as much as she wants! She adopted Sally, a 3 year old hound mix, in 2017 and is loving life as a pet parent.

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28 Comments on "Pet Insurance Quotes: Compare Different Breeds And Ages"

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Slyster
Slyster

Can I ask you to re-check your quotes for PetPlan on the 4 year old black lab and 5 year old mix breed? I just did mock quotes for both and they were over $70 each? The standard poodle puppy was closer in price but the other ones were $20-$30 higher per month. I checked it twice using a couple of zip codes. Thank you.

Kimberly Alt
Kimberly Alt

Price varies based on the zipcode and pre-existing conditions you may use. That’s why we recommend getting quotes from our top three picks.

Slyster
Slyster

Ok I did. I compared your quotes and they were pretty similar except your petplan quotes were off. I did quotes for Healthy Paws, pet plan, and pets best based on your mock pets. All were pretty similar except pet plan. My quotes showed it being significantly higher by more than $20 a month. That’s why I asked if you could re-check the quotes.

Kimberly Alt
Kimberly Alt

We ran these quotes just a couple weeks ago. Quotes would need to be run by every company for new criteria and new prices to be posted, which is a lengthy process. It is more important for you to get quotes for your specific scenario. If you were not pleased with Petplan’s quotes you should consider another pet insurance company. Healthy Paws is currently our #1 pick for pet insurance, so we recommend you consider looking into them for your pet insurance needs. Best of luck.

Sarah Yates
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… Read more »
Katwomanj
Katwomanj

As the pet ages the chances of illnesses increases greatly that is why Petplan raises them annually. Unfortunately.

Michelle Schenker
Admin
Michelle Schenker

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
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… Read more »
Sarah Yates
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… Read more »
Cindi Furkidz
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.

Katwomanj
Katwomanj

I have had Petplan for seven years now. They pay very quickly, you can look at your claims online, you can talk to customer service, they are just referring to the waiting. They all have to check your pet’s past records before deciding what is pre-existing or not. As far as they must have annual exam I have never had to deal with that, they have always been covered regardless.

Michelle Schenker
Admin
Michelle Schenker
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… Read more »
Michelle S.
Michelle S.

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

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Katwomanj
Katwomanj
Petplan has multiple pet discounts. They are the best over all comprehensive cover everything insurance. The new underwriters for this coming year have increased the cost considerably. But as someone said veterinary costs and emergency fees have gone up as well. I was also told by Petplan as far as cats go the cheapest costs were for domestic short medium and long haired cats and the higher cost was for purebred, but as they told me what do most people have? So what do they have the most claims and payouts for? Short medium and long hair domestic cats so… Read more »
Anonymous
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… Read more »
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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… Read more »
THOMAS J BRIGANTINO SR
THOMAS J BRIGANTINO SR
Anonymous
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… Read more »
Anonymous
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… Read more »
Anonymous
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… Read more »
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