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Pet Insurance Plan Comparisons

Pet Insurance Comparison Chart

There are real differences between pet insurance companies and the benefits they offer. These differences impact if your claim is covered or how much you get reimbursed after a veterinary visit.
Below is a comparison of

dog and cat insurance policies

from other pet insurance companies. We hope our comparison chart is helpful when choosing the best protection for you and your pet. If you have any questions, we're always available to help by email or phone.
If you want to learn more about any of the pet insurance plans, just click on the "Compare" button.
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Coverage Healthy Paws Embrace 24PetWatch/
QuickCare
ASPCA/Hartville VPI
Coverage
Maximum Reimbursement
learn more

Pet insurance companies calculate your reimbursements based on one of three ways:

  1. On the actual veterinary bill, so your reimbursements are based on what you pay your vet.
  2. On a comparison of your vet's fees vs. usual and customary fees (U&C) in your area, often reducing your reimbursements.
  3. On a benefit schedule that caps your reimbursable amount per vet service, often reducing your reimbursements.
90% of Actual
Vet Bill
90% of Actual
Vet Bill
90% with U&C Restrictions
80% with U&C Restrictions
Restricted to Benefit Schedule
All Accidents & Illnesses Covered
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All diagnostics, treatments, hospitalizations, and surgeries associated with any accident or illness are covered (excluding pre-existing conditions).

yes
yes
some
some
some
All Genetic Conditions Covered
learn more

All diagnostics and treatments associated with congenital and hereditary conditions are covered, so long as the clinical signs or symptoms are not present or noted prior to the enrollment date of during the waiting period. These are typically pets' most expensive vet costs, so make sure they're covered.

yes
yes
some
no
some
Some "Wellness" Coverage
learn more

Wellness or routine preventive care, including annual vaccines, are reimbursed on a restricted basis. When included in an insurance policy it often restricts the more important (and expensive) accident and illness coverage.

no
extra charge
extra charge
extra charge
extra charge
Unlimited Benefits
learn more

Many insurance companies set limits on claim payouts on a per incident, annual, or lifetime basis. Healthy Paws offers UNLIMITED lifetime benefits. So we never place limits or caps on your claims. This is especially important for those unexpected, serious conditions like cancer or kidney failure.

yes
no
no
no
no
Care
Care
Customer Rating
learn more

Pet Insurance Review is a well-respected pet insurance review site where real customers review their personal experiences with pet insurance companies. Ratings are based on a 1-10 scale.

9.8
9.1
5.1
7.9
7.8
Fast Reimbursement Promise
learn more

You want fast reimbursements. These companies promise to have them back to you within 10-15 days of filing a claim.

yes
yes
no
no
no
One Team
learn more

One team means that the same pet healthcare professionals who sign you up for coverage also process your claims, and aren't commissioned salespeople. No hassles or pressure.

yes
some
no
no
no
Cost
Care
2yo Lab Mix in Chicago
learn more

Based on the highest reimbursement available and a $100 annual deductible.

$33.56
$91.51
$51.95
$32.13
$32.96
2yo Shorthaired Cat in Chicago
learn more

Based on the highest reimbursement available and a $100 annual deductible.

$21.75
$54.91
$26.95
$23.71
$22.75
Compare Compare Compare Compare
Coverage Healthy Paws Trupanion Petplan PurinaCare PetsBest
Coverage
Maximum Reimbursement
learn more

Pet insurance companies calculate your reimbursements based on one of three ways:

  1. On the actual veterinary bill, so your reimbursements are based on what you pay your vet.
  2. On a comparison of your vet's fees vs. usual and customary fees (U&C) in your area, often reducing your reimbursements.
  3. On a benefit schedule that caps your reimbursable amount per vet service, often reducing your reimbursements.
90% of Actual
Vet Bill
90% of Actual
Vet Bill
100% of "Reasonable Costs"*
80% of Actual
Vet Bill
80% of U&C charges
All Accidents & Illnesses Covered
learn more

All diagnostics, treatments, hospitalizations, and surgeries associated with any accident or illness are covered (excluding pre-existing conditions).

yes
yes
some
some
some
All Genetic Conditions Covered
learn more

All diagnostics and treatments associated with congenital and hereditary conditions are covered, so long as the clinical signs or symptoms are not present or noted prior to the enrollment date of during the waiting period. These are typically pets' most expensive vet costs, so make sure they're covered.

yes
yes
yes
yes
no
Some "Wellness" Coverage
learn more

Wellness or routine preventive care, including annual vaccines, are reimbursed on a restricted basis. When included in an insurance policy it often restricts the more important (and expensive) accident and illness coverage.

no
no
no
extra charge
extra charge
Unlimited Benefits
learn more

Many insurance companies set limits on claim payouts on a per incident, annual, or lifetime basis. Healthy Paws offers UNLIMITED lifetime benefits. So we never place limits or caps on your claims. This is especially important for those unexpected, serious conditions like cancer or kidney failure.

yes
yes
no
no
no
Care
Care
Customer Rating
learn more

Pet Insurance Review is a well-respected pet insurance review site where real customers review their personal experiences with pet insurance companies. Ratings are based on a 1-10 scale.

9.8
9.0
9.2
8.3
8.6
Fast Reimbursement Promise
learn more

You want fast reimbursements. These companies promise to have them back to you within 10-15 days of filing a claim.

yes
yes
yes
yes
no
One Team
learn more

One team means that the same pet healthcare professionals who sign you up for coverage also process your claims, and aren't commissioned salespeople. No hassles or pressure.

yes
no
no
no
no
Cost
Care
2yo Lab Mix in Chicago
learn more

Based on the highest reimbursement available and a $100 annual deductible.

$33.56
$41.04
$33.67
$43.06
$41.59
2yo Shorthaired Cat in Chicago
learn more

Based on the highest reimbursement available and a $100 annual deductible.

$21.75
$26.61
$20.53
$14.86
$30.13
Compare Compare Compare Compare
Legend

** Customer ratings updated as of April 2014.

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