Pet Insurance Comparison
Through a pet insurance comparison, you can see prices, coverage rules, and age limits together, using figures from published policy documents for each insurer.
| Insurer | Monthly, dog | Monthly, cat | Deductible options | Reimbursement | Annual limit | Accident wait | Illness wait | Oldest age to join | Exam fees | Wellness add-on |
|---|---|---|---|---|---|---|---|---|---|---|
 | $30 to $59 a month | $14 to $23 a month | $100, $250, $500, or $750 (annual) | 70%, 80%, or 90% | $5,000 to $100,000 | No wait | 14 days | No upper age limit | Add-on | Covered |
 | $43 a month | $19 a month | $250, $500, or $1,000 (annual) | 50%, 70%, or 80% | $2,500, $5,000, or $10,000 | 14 days | 14 days | Before age 9 | Covered | Covered |
 | $35 a month | $17 a month | $100 to $1,000 (five choices) | 70% to 90% | $2,500 or unlimited | 14 days | 14 days | No upper age limit | Covered | Covered |
 | $39 a month | $19 a month | $100, $250, or $500 (annual) | 70%, 80%, or 90% | $2,500 or unlimited | 14 days | 14 days | No upper age limit | Covered | Covered |
 | $39 to $69 a month | $19 to $35 a month | $100, $250, $500, $750, or $1,000 (annual) | 70% to 90% | $2,000, $5,000, $10,000, $15,000, $30,000, or unlimited | No wait | 14 days | No upper age limit | Add-on | Covered |
 | not published | $22 a month | Annual amounts range from $250 through $2,500; online sign-up shows three recommended options for each pet, with more choices available by phone. | 90% | $10,000 | No wait | 15 days | No upper age limit | Covered | Covered |
 | not published | not published | $0 to $1,000, per condition | 90% | Unlimited | 5 days | 30 days | Before age 14 | No | No |
 | $53 to $117 a month | $24 to $47 a month | not published | 50%, 70%, 80%, or 90% | $500 up to $25,000, in steps of $1,000, or unlimited | No wait | 14 days | No upper age limit | Covered | Covered |
 | not published | not published | $100, $250, $500, or $750 | 70%, 80%, 90%, or 100% | $5,000, $10,000, or unlimited | not published | not published | No upper age limit | Add-on | Covered |
 | $32 a month | $15 a month | $100, $250, $500, or $1,000 (annual) | 80% or 90% | $5,000, $10,000, $20,000, or unlimited | 14 days | 14 days | No upper age limit | Covered | Covered |
 | not published | not published | $250 or $500 (annual) | 50% to 90% | $5,000, $7,000, or unlimited | 15 days | 15 days | Varies by state | No | No |
 | not published | not published | not published | 70%, 80%, or 90% | Unlimited | 3 days | 14 days | No upper age limit | Covered | Covered |
 | $32 to $157 a month | $20 to $107 a month | $100 to $1,000 | 70%, 80%, or 90% | $5,000 or unlimited | 3 days | 14 days | No upper age limit | Covered | Covered |
 | not published | not published | not published | not published | not published | not published | not published | not published | Covered | not published |
 | $30 a month | $14 a month | $100 to $1,500 (annual); pet age affects which options apply | 70%, 80%, 90%, or 100% | not published | 1 day | 14 days | No upper age limit | Add-on | Covered |
 | not published | not published | $0 to $1,000 in $50 steps, plus $1,350, $1,500 and $1,750 | 90% | Unlimited | 5 days | 30 days | Before age 14 | No | No |
 | not published | not published | $100 to $1,000 (annual) | 70%, 80%, or 90% | $2,000 or unlimited | 2 days | 14 days | No upper age limit | Covered | Covered |
 | not published | not published | $100, $250, $500, or $1,000 (annual) | 70%, 80%, or 90% | $10,000 or unlimited | 5 days | 14 days | No upper age limit | Add-on | Covered |
 | not published | not published | $250 to $1,000 | 50% to 80% | $5,000 | not published | 14 days | not published | not published | Covered |
 | $39 a month | $19 a month | $500, $750, or $1,000 | 70% to 80% (current plans) | $20,000 | 14 days | 14 days | No upper age limit | not published | Covered |
 | not published | not published | $0 | not published | $3,000 | 14 days | 14 days | No upper age limit | No | not published |
 | not published | not published | $500 (annual) | 90% | Unlimited | 5 days | 14 days | No upper age limit | Add-on | Covered |
 | not published | not published | $250 or $500 (annual) | 70%, 80%, or 90% | $10,000 or $40,000 | 3 days | 14 days | No upper age limit | Add-on | Covered |
 | not published | not published | From $0 to $1,000 in any $50 increment, with $1,350, $1,500 or $1,750 also available. | 90% | Unlimited | No wait | No wait | Before age 14 | not published | Covered |
 | $36 to $99 a month | $23 to $51 a month | $100 to $1,000 | 70%, 80%, or 90% | $2,500 to $20,000 | 5 days | 14 days | No upper age limit | Add-on | Covered |
 | not published | not published | $100, $250, $500, $750, or $1,000 | 70%, 80%, or 90% | $2,000, $5,000, $8,000, $10,000, $15,000, or unlimited | 2 days | 14 days | No upper age limit | Add-on | Covered |
 | not published | not published | not published | 90% | Unlimited | not published | not published | not published | not published | not published |
 | not published | not published | $100, $250, $500, $750, $1,000, $1,500, $3,000, or $5,000 (annual) | 50%, 60%, 70%, 80%, or 90% | $5,000, $7,000, or unlimited | not published | not published | 13 years old | No | No |
 | not published | not published | not published | 70%, 80%, or 90% | Unlimited | 15 days | 15 days | Before age 14 | Covered | Covered |
Sample prices come from NerdWallet sample quotes for each insurer; all other columns come from each insurer's own policy pages (each insurer page has links).
In Katy, TX, monthly prices for a mixed-breed dog at age 2 span $30 to $53 at 13 insurers. NAPHIA industry data follows average national costs for dogs and cats, set out by plan type.
Pet insurance comparison chart
Each column shows one rule taken from the insurer's policy documents when you compare pet insurance coverage:
- Deductible: What you pay in dollars toward vet bills before your plan begins to cover costs.
- Reimbursement: After your deductible, the insurer pays back a percentage of a covered vet bill.
- Annual limit: The most the insurer pays toward claims over one policy year, in dollar terms.
- Waiting period: The number of days between buying a policy and the start of accident, illness, or orthopedic coverage.
- Other plan details: Sample monthly prices, the age limit for enrollment, rules on exam fees, and wellness add-ons.
Pet insurance choices: accident only or accident and illness coverage
Accidents and illnesses are covered by most pet insurance plans, and insurers such as Nationwide and Pets Best also offer policies for accidents only. NAPHIA cost figures put the average cost of accident and illness coverage for dogs at $836 a year ($70 a month). For cats, the average yearly cost is $435 ($36 monthly). Accident-only plans for dogs average $190 a year ($16 a month), while cat plans average $112 a year ($9 a month).
How to compare quotes for pet health insurance
For each pet insurance quote, choose a deductible, reimbursement level, and annual limit that match, so you can compare pet insurance quotes fairly. Confirm whether exam fees are covered, and review the waiting periods, exclusions, and maximum enrollment age listed in published policy disclosures.
Pet insurance with coverage for wellness, vaccines, dental, and preventive care
To cover routine care, you can buy an optional wellness add-on from MetLife Pet Insurance, Pumpkin, or Lemonade. In NAPHIA reports, the average annual cost for dog policies with wellness coverage is $1,414 ($118 monthly). For cats, wellness policies average $859 a year, or $72 monthly.
Download the plan terms (CSV)
The plan terms can be downloaded as a CSV file, with one row for each insurer and a source link for each value.
Questions people often ask
What is covered by a pet insurance policy?
Coverage includes routine care add-ons, accidents and illnesses, or accidents only, depending on the plan and insurer, such as Spot or Trupanion.
Does pet insurance come with a low deductible or none at all?
Since deductible choices vary by company, check the deductible column and the published policy documents from each insurer.
Which pet insurance pays the vet directly, without a reimbursement wait?
After you pay the vet, standard plans reimburse a percentage. Check the direct payment rules in policy terms from insurers like Aflac.
Which items fall under pet insurance with full or complete coverage?
Insurers such as Embrace and Progressive bundle an accident and illness plan with a wellness add-on you can choose.
Which pet insurance plans include coverage for spaying and neutering?
For providers like Prudent Pet or Wagmo, review the policy documents for wellness add-on terms.
How do you purchase a pet or animal insurance policy on the internet?
Online, you can request a pet insurance quotation or animal insurance quotes after you compare your pet's age with the enrollment age limit.
To compare pet insurance plans, which site is best?
Look for side-by-side figures that connect every term directly to documents each insurer publishes as you compare pet insurance plans.
Does any pet insurance pay upfront without using reimbursement?
Percentage reimbursement levels appear in published plan terms. Check the claim payment rules in each insurer's policy documents.
Is there preventative pet insurance that covers wellness visits and routine care?
Yes, insurers such as AKC Pet Insurance, Chewy CarePlus, and Petco provide wellness add-on options.
Is pregnancy or breeding covered by pet insurance?
Standard plan summaries don't list breeding rules, so read the policy exclusions from insurers such as Fetch or ManyPets.
Can pet insurance in the US last a lifetime?
Plans in the US set an annual limit and a maximum age for enrollment, so review the renewal terms in published policy disclosures.
Request pricing for your pet
We do not sell insurance, quote it, or bind it; your request is sent to an insurance agency.