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Best Reviewed

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Recommended As
Pros and Cons
Sources
Amazon Rating

(average)

Where To Buy
 
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Features
Accidents
Illnesses
Routine Preventive Care
Spaying or Neutering
Non-routine Dental Care
Prescriptions
Alternative Treatments
Deductible
Per-incident Limit
Annual Limit
Co-pay
Exotic Pets
Exclusions
Age Limit for New Policies
Reimbursement Based On
Waiting Period
MPN
UPC
 
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    Petplan

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    *Est. $14 per month …
    Pros: excellent reputation for paying claims quickly, covers hereditary and congenital conditions, can choose deductible and co-pay amounts, reimbursement based on actual charges
    Cons: per-incident payment rather than annual deductible, won't write new policies for older cats or dogs
    not avail.
     
    Petplan
    Covered
    Covered
    Not covered
    Not covered
    Covered
    Covered
    Covered
    $200 per incident
    None
    $8,000
    20%
    No
    Pre-existing conditions
    Dogs: 8 years (5 for some breeds), cats: 10 years
    Actual charges
    Illness: 14 days; accidents: 24 hours
    N/A
    N/A
     
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    Embrace

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    *Est. $23 per month …
    Pros: highly customizable insurance plans, reimbursement based on actual charges, can add on wellness plan for preventive care, annual rather than per-incident deductible
    Cons: other exclusions in addition to pre-existing conditions, won't write new policies for older cats and dogs
    not avail.
     
    Embrace
    Covered
    Covered
    Not covered
    Not covered
    Covered
    Covered
    Covered
    $500 per year
    None
    $10,000
    20%
    No
    Pre-existing conditions; won't insure pet with symptoms of/treated for diabetes or Cushing's disease; for orthopedic conditions, if one side is already affected, the other side is excluded from coverage as pre-existing
    Mixed-breed dogs: 8 years, purebred: 6; mixed-breed cats: 10 years, purebred: 8
    Actual charges
    Accidents and illnesses: 14 days; orthopedic conditions: 6 months (unless your vet completes a waiver)
    N/A
    N/A
     
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    Pet Assure

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    *Est. $10 per month …
    Pros: pays 25 percent of all veterinary services, no deductible, no limits, no exclusions, covers exotic pets, simple plan, easy to understand, costs less than traditional insurance
    Cons: have to use a participating veterinarian, leaves you responsible for most of a large expense
    not avail.
     
    Pet Assure
    Covered
    Covered
    Covered
    Covered
    Covered
    Covered
    Covered if performed by participating vet
    None
    None
    None
    75%
    Yes
    None
    None
    Actual charges
    None
    N/A
    N/A
     

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