Finding pet insurance can be a daunting task because there are so many different companies and policies out there, and every one is different. On top of that, understand the terms and conditions of your policy can be nearly impossible if you aren’t already familiar with the insurance world. But that’s where we come in. We have detailed information about the companies and policies that are available, and we explain what each thing means.
If you’re not sure where to start, check out our Comparing Companies and Policies page. You can also see our FAQs (which includes a Glossary of Terms), or continue reading for a brief description of each pet insurance company. To read customer reviews, or to submit your own, click here. We also have a Comparison Chart that will allow you to compare companies side by side.
At this time, we only have information available for US pet insurance companies; we apologize for any inconvenience this might cause. We will be updating the site in the future to include Canadian and European companies.
AKC Pet Health Insurance – Also known as Pet Partners, this is the insurance company of the American Kennel Club, the largest dog fanciers association in the United States. Offering co-pays of 10% or 20%, AKC has five policies available, including an accident-only plan. Wellness care is available in two of these plans. AKC is one of the few companies that covers vaccination titers, so if you’re concerned about over-vaccinating, this might be the company for you.
ASPCA, Hartville, and PetsHealth – These three companies are subsidiaries of the Hartville Group, and all three companies offer the same policies. The co-pay is 20% regardless of which policy you choose, and the deductible is $100 annually. Maximums are between $1,500 and $5,000 per-incident, and between $8,000 and $13,000 annually. Pre-existing conditions than have been cured and your pet has shown no symptoms of for 180 days are no longer considered pre-existing and will be covered again.
Embrace – An environmentally friendly company, the name Embrace is meant to reflect the emotional bond between pet parents and
their pets. Three policies and four riders offer comprehensive coverage that includes dental care, wellness care, and alternative therapies. Deductibles, co-pays, and maximums are widely customizable, and hereditary conditions are covered provided your pet has not shown any symptoms prior to enrollment or during the waiting period.
HealthyPaws – This Washington companies only offers two policies – one for cats and one for dogs, but the deductibles and co-pays are customizable. Deductibles can be $50, $100, $250, or $500 annually, and co-pays can be 10%, 20%, or 30%. HealthyPaws is unique in that the only maximum is a lifetime maximum of $25,000, and the company is working on lifting this maximum. While the process can take up to a year, there will be no lifetime maximum (or any other maximum) once they have completed the process.
PetFirst Healthcare – An owner-operated company, PetFirst has multipet policies for up to 3 furry family members. Deductibles are $50 per-incident for accident-only coverage and $100 per-incident for all other policies. Per-incident maximums are $1,500 to $3,500 and annual maximums are $2,000 to $15,000. Premiums are unaffected by age, breed, or locations, and wellness care is included in all policies except the accident-only policy.
24PetWatch, Union Plus, & QuickCare – These three companies are subsidiaries of PetHealth, Inc., and all three companies offer the same policies. Several policies offer no co-pay and low deductibles. There are policies specially designed for senior pets, as well as for tenants whorent. The latter includes coverage for if your pet damages your rental unit. Coverage in all policies is divided into categories and exclusions are spelled out, so there is usually no question about exactly what is covered and what is not.
ShelterCare – Also a subsidiary of PetHealth, Inc., this pet insurance company tailors policies to the needs of pet parents who received their pets from shelters or rescues. The co-pay is 30% on all policies, and the deductible is $100 per-incident.
We’re still working on this page; the rest of the companies will be listed shortly. In the meantime, see the drop-down menu for the complete list of companies in the US.