Compare Pet Insurance Quotes From $20/Month

Why Pet Insurance?

Vet Bills Up to 90% CoveredAccidents, illnesses, surgeries, and emergencies covered with reimbursement up to 90%.

Choose Any Licensed VetNo network restrictions. Visit any licensed vet, specialist, or emergency clinic nationwide.

Peace of Mind for Pet ParentsMake medical decisions based on what’s best for your pet, not your bank account.

Compare Pet Insurance Rates

Rates shown are estimates. Your actual rate may vary based on location and coverage.

How Much Does Pet Insurance Cost?

Dogs By Breed Size

Cats vs Dogs

Rates shown are national averages. Your actual rate may vary based on location, coverage level, and individual factors.

Best Pet Insurance Companies

Lemonade

AI-powered claims processing starting at $10/month for cats and $20/month for dogs. Customizable deductibles and reimbursement levels.

Embrace

Optional wellness add-on covering routine care. Diminishing deductible rewards claims-free years.

Healthy Paws

No caps on payouts with unlimited lifetime benefits. Fast claims processing averaging 2-3 days.

Pets Best

Affordable plans with optional routine care coverage. Direct vet payment available to reduce out-of-pocket costs.

WHAT OUR CUSTOMRES SAY

“My dog needed emergency surgery that cost $8,500. Pet insurance covered $7,650. Best $20/month I’ve ever spent.”

Sarah T. — Golden Retriever owner

“Enrolled my kitten at 3 months. Already saved $2,000 on vet visits in the first year. Absolutely worth it.”

Jason W. — Cat owner, $12/month plan

Frequently Asked Questions

When should I get pet insurance? The best time is when your pet is young and healthy. Premiums are lower, and pre-existing conditions won’t be excluded. Most plans accept pets from 8 weeks old.

What does pet insurance cover? Most plans cover accidents (broken bones, ingestion), illnesses (cancer, allergies, infections), surgeries, hospitalization, prescriptions, and emergency care. Routine care is usually an optional add-on.

Are pre-existing conditions covered?
Pre-existing conditions diagnosed before enrollment are typically not covered. This is why enrolling your pet early — before health issues arise — gives you the best coverage and lowest rates.

How does pet insurance reimbursement work? You pay the vet bill upfront, submit a claim, and get reimbursed a percentage (typically 70-90%) after your deductible. Some insurers like Pets Best offer direct vet payment.

Is pet insurance worth it? For most pet owners, yes. The average emergency vet visit costs $800-$1,500, and surgeries can exceed $5,000-$10,000. Pet insurance turns unpredictable costs into a predictable monthly payment.

What’s the average pet insurance deductible? Annual deductibles typically range from $100-$500. Lower deductibles mean higher monthly premiums. A $250 annual deductible is the most common choice, balancing cost and coverage.

Does pet insurance cover hereditary conditions?
Most comprehensive plans cover hereditary and breed-specific conditions (hip dysplasia, heart disease) as long as they weren’t diagnosed before enrollment. Check your policy for exclusions.

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