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Pet Insurance Comparison
Finding the best pet insurance for your cat or dog can be difficult. Most pet health insurance plans have a few basics in common. You select a reimbursement level and deductible and can go to any veterinarian you choose. You pay your veterinarian first, file a claim, and then get reimbursed.
But there are substantial differences between companies. These differences often impact if your claim will be covered or how much you'll be reimbursed after a veterinary visit.
Pet insurance is not like car insurance; while finding the cheapest car insurance plan doesn't always diminish your coverage, a cheap pet insurance plan generally results in greatly restricted coverage. Luckily, there are pet insurance companies, like Healthy Paws, that offer quality plans and affordable pet insurance.
When looking at pet insurance, consider the following:
- Coverage. Look closely at coverage and exclusions. For example, congenital and hereditary conditions, which can be very expensive to treat and are often excluded from coverage.
- Deductibles. Annual deductibles typically reimburse you more during a policy year than per-incident deductibles. You just have to meet one annual deductible, not a deductible for every incident.
- Reimbursement Method. Not all pet insurance companies pay on the actual veterinary bill. Beware of benefit schedules or "usual and customary" policy language, as it may lower your reimbursement amounts.
- Caps on Payouts. Are there caps on payouts per incident, per year, or over the pet's lifetime? Healthy Paws has no caps on payouts - no per incident caps, no annual caps and no lifetime caps.
- Customer Service. It’s all about service once the policy is purchased. What are pet parents saying about their care and claims experience with a company?
| What to Consider | Healthy Paws |
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ASPCA | Embrace | Figo | Nationwide | Pets Best | PetFirst | Petplan | Trupanion | Geico |
| Customer rating at Consumers Advocate.org |
9.8 | 7.6 | 8.8 | 8.0 | 8.5 | 7.8 | 7.9 | 8.9 | 9.6 | 8.8 | |
| No limits on any plans: no per-incident, annual or lifetime caps on payouts |  |
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| All new accidents & illnesses covered | |
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| No restrictions on hereditary and congenital conditions1 | |
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| Alternative care included |
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Limited | Limited | |
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| Deductible type | Annual | Annual | Annual | Annual | Annual | Annual | Per condition |
Annual or per condition |
Per condition |
Annual | |
| Insurance carrier rating |
A+ | A | A+ | A | A+ | A- | A+ | A | Not Rated | A+ | |
| Compare ASPCA |
Compare Embrace |
Compare Figo |
Compare Nationwide |
Compare Pets Best |
Compare PetFirst |
Compare Petplan |
Compare Trupanion |
Compare Geico |
Included
Not included or some exclusions
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1Healthy Paws includes coverage for hip dysplasia when you enroll your pet before the age of six. It is excluded from coverage if you enroll your pet when they are 6 and older. There is a twelve-month waiting period before coverage takes effect in all states except MD and NH. If signs or symptoms of hip dysplasia are noted by your veterinarian before your enrollment or during the twelve-month waiting period, hip dysplasia will be considered pre-existing and will not be covered.
