- Covers accidents, illness and dental disease
- Add routine wellness care - save 38%!
- No sign up fees
- No credit check required
- All dogs & cats welcome from 2 months +
- Covers accidents, illness and dental disease
- Add routine wellness care - save 38%!
- No sign up fees
- No credit check required
- All dogs & cats welcome from 2 months +
- Unlimited coverage for accidents & illness
- Over 570,000 pets insured
- #1 customer rated 2010 - 2020
- No credit check required
- Any pet 3 months and older
- Unlimited coverage for accidents & illness
- Over 570,000 pets insured
- #1 customer rated 2010 - 2020
- No credit check required
- Any pet 3 months and older
Plan Coverage What’s covered for your pet from each insurer, and the minimum/maximum pet ages at enrolment.
Customization Each pet parent’s situation is different and being able to customise the right amount of coverage with the most appropriate out-of-pocket costs for each person is important.
Pricing How does each insurer compare on price for the sample pets and locations in our review. Our sample pets include puppies & kittens, adult dogs and cats and seniors, across multiple states.
Routine Wellness Does the provider offer a routine wellness plan for things like vaccines, spay/neuter, dental cleaning, and how much coverage does it offer.
Customer Reviews What do pet parents say about their experiences with each company, in particular how quickly they pay claims.
Quick Provider Summary
Choosing the right pet insurance plan gives you a kind of superpower. It’s the power to tell your vet, ‘Yes, please do whatever you can to help my pet get better as I have pet insurance,’ versus a heart-breaking, ‘No, I’m sorry but I just can’t afford it.’
There’s no 'one-size-fits-all' pet insurance provider and, like all insurance, pet plans can be tricky to understand, with the devil in the detail.
To help you out, we’ve analyzed the major insurers to evaluate the pros and cons of their pet insurance plans.
Remember, it's a really smart move to get your pet on a plan as young as possible so there are fewer issues around pre-existing conditions, which are often not covered by pet insurance.
If your pet has an accident, like the ones below, your insurance would cover the cost of diagnostic tests, surgery and medication to get them back on their paws again.
- Animal bites
- Swallowed foreign objects
- Insect sting/bite
- Cruciate ligament rupture
- Eye trauma
- Poisoning
- Vehicle accident
If your pet suffers from an illness and needs to visit the vet, your insurance will pick up the tab for any diagnostic tests, surgery and medication. There are thousands of illnesses typically covered, such as these:
- Cancer
- Heart conditions
- Liver disease
- Glaucoma
- Respiratory infections
- Kidney disease
- Ear infection
- Skin allergies
- UTI's
- Hip dysplasia
- Arthritis
- Dental disease
- Diabetes
- Vomiting/diarrhea
- Hereditary conditions
Pet insurance plans tend to cover three important areas:
-
Accidents – think everything from an insect sting to a swallowed sock to a ruptured cruciate ligament + more
-
Illness – from a basic ear infection to skin allergies to cancer, and everything in-between + more
-
Routine Wellness – for all the regular preventive care every pet needs including the annual wellness exam, shots, flea and tick meds, and spay/neuter