Compare Pet Insurance Quotes & Companies the Easy Way

It’s Easy to Compare Pet Insurance Quotes & Companies…
Just follow these simple steps

There are about a dozen pet insurance companies online.  While others may offer pet insurance quotes, they are merely reselling policies from these original organizations.  For example, Cabella’s outdoor store offers pet insurance, but it is actually provided by Embrace.  Kroger grocery stores sell pet insurance, but it is administered by Pet First.

Rather than running all around and ending up with duplicate quotes from the same companies, I recommend sticking to the originals listed below.  You can get as many quotes as you’d like.  I suggest at least 5.  Pet insurance quotes are very personalized so each quote from each pet insurance company will be different, even if it’s for the same pet.


Embrace
Our Top Pick!


Amount Paid:  Up to  90%
Exam required to get insurance?
  No
Multiple pet discounts?
  Yes and other discounts are also available.
Choose your deductible & coverage amount? 
Yes
Per-incident or annual deductible?
Annual
Use your own vet? 
Yes
Lifelong/chronic coverage? 
Yes, as long as your policy does not lapse.
Hereditary/congenital coverage? 
Yes.
Other:
Covers some alternative therapies. Preventative care can be added to your policy.  Does not pay claims for preventable conditions unless shots, etc. are up to date.

Purina Care

Amount Paid:  Up to  80%
Exam required to get insurance?
  No
Multiple pet discounts?
  Yes
Choose your deductible & coverage amount? 
Yes
Per-incident or annual deductible?
Annual
Use your own vet? 
Yes
Lifelong/chronic coverage? 
Yes, they are covered for life as long as your policy does not lapse.
Hereditary/congenital coverage? 
Yes, with a few exceptions.
Other:
Preventative care is available.  No lifetime limits, no per-incident limits. Does not pay claims for preventable conditions unless shots, etc. are up to date.

Healthy Paws

Amount Paid:  90%
Exam required to get insurance?
  No
Multiple pet discounts?
Yes
Choose your deductible & coverage amount? 
Yes.
Per-incident or annual deductible?
Annual
Use your own vet? 
Yes
Lifelong/chronic coverage? 
Yes
Hereditary/congenital coverage? 
Yes
Other: 
Will  not cover preventative care.  No limits/caps on claims amounts.

Trupanion

Amount Paid:   90%
Exam required to get insurance?
  No
Multiple pet discounts?
  No
Choose your deductible & coverage amount? 
No. They offer one policy for everybody.
Per-incident or annual deductible?
Per-incident – you must meet the deductible every time you go to the vet, not once a year.
Use your own vet? 
Yes
Lifelong/chronic coverage? 
Yes, as long as your policy does not lapse.
Hereditary/congenital coverage? 
Yes
Other:
Has no limits per claim, per incident, or per year and no lifetime payout limit.  Does not cover routine or preventative care.  A policy may be transferred from you to another person for the same insured pet.  They cover preventative and therepeutic pet foods and supplements *if* they come from your vet.

24 Pet Watch

Amount Paid:  Up to 100%
Exam required to get insurance?
  No
Multiple pet discounts?
  Yes as well as microchip discount
Choose your deductible & coverage amount? 
Yes
Per-incident or annual deductible?
Per-incident – you must meet the deductible every time you go to the vet, not once a year.
Use your own vet? 
Yes
Lifelong/chronic coverage? 
No
Hereditary/congenital coverage? 
Available with certain policies.
Other:
Has no lifetime limit on the number of accident claims you can file.  Preventative coverage is available with some policies.

 

Pet First Health Care

Amount Paid:  Up to 100%
Exam required to get insurance?
  No
Multiple pet discounts?
Yes
Choose your deductible & coverage amount? 
No. They have a flat $100 deductible and 90%-100% co-insurance payment.
Per-incident or annual deductible?
Per-incident
Use your own vet? 
Yes
Lifelong/chronic coverage? 
Yes, if you add additional coverage.
Hereditary/congenital coverage? 
Yes, if you add additional coverage.
Other: 
Does not cover anything to do with ligament damage, hip dysplasia or patella (knee bone) luxation.  Only covers your pet swallowing a foreign body that has to be surgically removed once per policy year.

 

VPI

Amount Paid:  Pays by a predetermined schedule of benefits, not by a percentage of coverage.
Exam required to get insurance?
  No
Multiple pet discounts?
  Yes as well as microchip discount.
Choose your deductible & coverage amount? 
You can choose your deductible.
Per-incident or annual deductible?
  Annual
Use your own vet? 
Yes
Lifelong/chronic coverage? 
Yes, up to the policy’s lifetime maximum.
Hereditary/congenital coverage? 
No.
Other:
  Preventative coverage is available with some policies.  Does not cover bone or joint conditions.

 

Pets Best

Amount Paid:  80%
Exam required to get insurance?
  No
Multiple pet discounts?
Yes
Choose your deductible & coverage amount? 
You can choose your deductible.
Per-incident or annual deductible?
Per-incident – you must meet the deductible every time you go to the vet, not once a year.
Use your own vet? 
Yes
Lifelong/chronic coverage? 
Yes, as long as your lifetime maximum has not been used.
Hereditary/congenital coverage? 
Available if pet is enrolled before 2nd birthday.
Other:
  Includes some natural medicine such as acupuncture and chiropractic care.  Preventative care is available.  Does not cover preventable conditions unless shots, etc. are up to date.

 

ASCPA

Amount Paid:  80%
Exam required to get insurance?
  No
Multiple pet discounts?
Yes
Choose your deductible & coverage amount? 
No. They have a flat $100 deductible and 80% co-insurance payment.
Per-incident or annual deductible?
Annual
Use your own vet? 
Yes
Lifelong/chronic coverage? 
Yes, if you add additional coverage.
Hereditary/congenital coverage? 
No.
Other: 
Preventative coverage can be included Charges a $10.50 annual insurance fee.

 

AKC

Amount Paid:  Up to 90%
Exam required to get insurance?
  No
Multiple pet discounts?
Yes
Choose your deductible & coverage amount? 
No. They have a flat $100 deductible and 80% co-insurance payment.
Per-incident or annual deductible?
Both.  Some policies have per-incident and some have annual deductibles.
Use your own vet? 
Yes
Lifelong/chronic coverage? 
No
Hereditary/congenital coverage? 
No
Other: 
Will not issue a new policy on any pet 9 years old or older.

 

Pet Plan

Amount Paid:  Up to 100%
Exam required to get insurance?
  No
Multiple pet discounts?
Yes
Choose your deductible & coverage amount? 
Yes.
Per-incident or annual deductible?
Per-incident.
Use your own vet? 
Yes
Lifelong/chronic coverage? 
Yes
Hereditary/congenital coverage? 
Yes
Other: 
Covers alternative therapies.