Terms of Use
These terms of use describe how Pet Insurance Compare works, who operates it, and the rules for browsing the site or requesting plans.
Pet Insurance Compare operates as a comparison website for coverage for US dogs and cats. We are neither an insurer nor an insurance agent, nor a broker. We do not sell insurance policies, and we don't quote or bind them either.
Browsing the plans and prices on our site needs no personal details from you. A plan request you send reaches a single insurance agency, and that agency may pay us.
Using this site
For your own personal, lawful research, you may use pet-insurance-compare.com. This site is intended for adults. We don't knowingly collect details from anyone younger than 13.
No cookies are set, and third-party analytics, advertising, and social scripts aren't used. On your device, the plan finder stores your answers in the browser's local storage. They remain there until you clear site data. Standard server logs stay with our web host for a limited time, for security work and error fixes.
No insurance advice
General information for pet owners is all that we publish. We give no insurance advice, no legal advice, no financial advice, and no veterinary advice. Coverage is decided only by the insurer's policy documents, so read them before you buy a plan.
Requests for plans
Along with your pet's species, age, and breed, you enter your ZIP code, name, and contact details when sending a request. Use your own details, and make sure they are accurate.
Sending a request means you agree that the selected agency may contact you about pet insurance by text, email, or automated technology. Buying anything doesn't depend on your agreement, and anything the agency offers you follows its own terms.
No insurer can pay to change its plan terms, where it sits in a list, or what we write. Insurers that have a published price are placed first in our plan finder, beginning with the lowest price.
Accuracy
Each insurer's documents give us the plan terms we publish; statutes and regulators give state law status; NAPHIA gives national average premiums. We publish enrollment ages, price examples, exclusions, deductibles (what you pay before your plan pays), and waiting periods (the days that pass before coverage starts).
Terms change over time; what applies is decided by that insurer's own documents and policy. Each fact links to its source. Email our contact address about any wrong or outdated term, including the page and source, so that we can check and fix it.
Other sites we link to
Around the site, links point to insurers, state regulators, and industry studies, letting you check the original sources. They point to outside websites we don't control, and those sites apply their own terms and privacy rules.
Liability limits
Pet Insurance Compare comes as is, with no warranties. We aren't liable, as far as the law allows, for losses that come from using the site, or from choices based on it.
Contact
Every page ends with the name of the business behind our website and its address. Reach us by email only: hello@pet-insurance-compare.com. Send privacy requests there too, to see, fix, or remove your personal information.