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Pet Insurance Comparison
Finding the right 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, 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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| Pet Insurance Review rating (PetInsuranceReview.com) (2024)* | 4.9 | 4.7 | Not Rated | 4.9 | 4.4 | 4.9 | 4.8 | Not Rated | 4.5 | Not Rated | 4.6 | 4.3 | 4.8 | 4.9 | 4.9 | |
| No limits on any plans: no per-incident, annual or lifetime caps on payouts |  |
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| All new accidents and illnesses covered | |
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| No restrictions on hereditary and congenital conditions1 | |
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Depends on selection | |
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Depends on selection | |
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| Alternative care included | |
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Limited |
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| Deductible type | Annual | Annual | Depends on selection | Annual | Annual | Annual | Annual | Annual | Annual | Annual | Annual | Annual | Annual | Annual | Per condition | |
| Compare ASPCA® |
Compare Chewy |
Compare Embrace |
Compare Figo |
Compare Lemonade |
Compare Nationwide |
Compare Paw Protect |
Compare Pets Best |
Compare Progressive |
Compare Met Life |
Compare Pumpkin |
Compare Spot |
Compare Fetch |
Compare Trupanion |
Included
Not included or some exclusions
Included
Not included or some exclusions
Here at Healthy Paws, we recognize that every pet and every pet parent is unique and requires a pet insurance plan that caters to them and their individual needs. Learn more about the Healthy Paws Pet Insurance plan to find out if it’s the perfect plan for you and your pet.
*Ratings from PetInsuranceReview.com as of September 2024.
Coverage is subject to the language of the policies as actually issued. The comparison contained herein was prepared solely by Healthy Paws based upon good faith, objective reading of the language of the basic policy forms and/or endorsements and highlights selected coverages of the policies referenced as of Sept. 20, 2024 and is subject to change without notice. To receive the latest information about other providers' available plans, please visit their websites.
1Healthy Paws includes coverage for hip dysplasia when you enroll your pet before the age of six. Please review your state-specific information regarding pet enrollment age and waiting periods for more details.
