Compare Pet Insurance

 
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Features
Type
Deductible
Annual Limit
Co-pay
Exclusions
Waiting Period
 
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    $13 per month and up
    Pros: no annual, per-incident or lifetime cap on claims, plan covers most congenital, hereditary conditions, prescriptions coverage is standard, strong customer service
    Cons: preexisting conditions not covered, routine exams, preventative care not covered
    not avail.
     
    Customizable pet insurance
    $100, $200 or $500
    None
    Varies based on reimbursement level (70, 80 or 90 percent)
    Pre-existing conditions, hip dysplasia for pets 6 years and older at time of enrollment
    15 days for accidents and illnesses, 12 months for hip dysplasia
     
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    $19 per month and up
    Pros: plans cover prescriptions, hereditary conditions, alternative therapies, no upper age limit, strong customer service
    Cons: no routine care coverage, per-condition deductible can get costly, complaints about slow claims
    not avail.
     
    Overall pet insurance
    $50, $100 or $200
    $10,000, $14,000 or $22,000
    Varies depending on reimbursement level (80, 90 or 100 percent)
    Pre-existing conditions
    24 hours for accidents and injury, 14 days for illness, 6 months for cruciate and patella diseases
     
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    $6 per month and up
    Pros: highly customizable, covers congenital, hereditary conditions, strong customer service
    Cons: age limits enforced for most coverage, more expensive than some plans with similar coverage, complaints of unfair claims denials
    not avail.
     
    Customizable pet insurance
    $100, $200, $300, $500 or $1,000
    $5,000, $10,000 or $15,000
    Varies based on chosen reimbursement level (65, 80 or 90 percent per visit)
    Pre-existing conditions, prosthetics, breeding, whelping, pregnancy, training sessions, cremation and burial, injury or illness from cruelty or neglect, cosmetic procedures, DNA testing or cloning, organ transplants, stem cell therapy not medically necessa
    14 days for accidents and illnesses
     
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    $9 per month and up
    Pros: covers any pet at any age, no exclusions or limitations, discount is automatic, may be cheaper than traditional insurance
    Cons: providers may be hard to find, savings may be less than traditional insurance
    not avail.
     
    Pet health care discount plan
    N/A
    N/A
    N/A
    none
    none