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Pet insurance providers:
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| Refreshed Feb 10, 2026, 6:55 PM UTC
Insurance provider/plan catalog imported from a curated JSON file.
How To Compare (in 3 minutes)
What vets and owners actually care about
Note: our catalog currently includes 1 representative plan range per provider. We’re expanding this with official documents and additional plan types.
Pick coverage
Most owners choose accident + illness if they can.
Chronic conditions
Emergencies
Set your risk
You trade monthly premium vs out-of-pocket when something happens.
Deductible first
Reimbursement % back
Annual limit max payout
Verify exclusions
This is where policies differ the most.
- Pre-existing definition
- Waiting periods
- Dental, hereditary, bilateral
Deductible: what you pay before reimbursements begin (annual or per-incident depending on the policy).
Reimbursement: the percentage of eligible costs the insurer pays back after the deductible.
Annual limit: the maximum amount a plan pays out in a year (some plans are “unlimited”).
Waiting period: a delay after enrollment before certain coverages start.
- Coverage start dates: accident vs illness vs orthopedic waiting periods.
- Excluded conditions: pre-existing, congenital/hereditary, bilateral, dental.
- How claims are paid: what is considered “eligible”, itemized receipt requirements.
- Optional add-ons: wellness, exam fees, prescriptions.
Quick Reality Check
Use insurance to reduce “single big bill” risk
Common situations where plan design matters:
ER visit
High invoice; deductible and reimbursement drive your out-of-pocket.
Surgery + follow-ups
Annual limit and exclusions are the difference-maker.
Chronic meds
Check prescription coverage and what is considered “eligible”.
Need help paying today? Go to Affording Pet Care.
Providers
Select up to 3 to compare the plan ranges we have loaded.
AKC Pet Insurance
1 plan in catalog
Coverage for dogs and cats with a unique option to cover certain pre-existing conditions after 365 days.
- Pre-existing conditions eligible after 12 months
- Customizable wellness packages
- 24/7 vet helpline
Example loaded plan: Comprehensive (70-90% reimbursement, $100-$1000 deductible, $15k-Unlimited annual limit)
Animalia
1 plan in catalog
New provider with quick 5 day waiting period and benefits like virtual vet visits and prescription food coverage.
- Virtual vet visits included
- Prescription food reimbursement
- Only 5-day waiting period
Example loaded plan: Accident & Illness (70-90% reimbursement, $200-$500 deductible, $25k annual limit)
ASPCA Pet Insurance
1 plan in catalog
Broad accident and illness plans that even cover behavioral problems and dental illnesses.
- Behavioral therapy coverage
- Dental illness included
- Multiple deductible choices
Example loaded plan: Complete Coverage (70-90% reimbursement, $100-$500 deductible, Unlimited annual limit)
CarePlus by Chewy
1 plan in catalog
Chewy's insurance with integrated pharmacy perks and 24/7 telehealth access.
- Pharmacy discounts at Chewy
- 24/7 telehealth
- Up to 100% reimbursement
Example loaded plan: Deluxe (70-90% reimbursement, $250-$500 deductible, Unlimited annual limit)
Companion Protect
1 plan in catalog
Single plan with 90% reimbursement and historically no waiting periods, using in-network vets for direct pay.
- No waiting periods
- Direct pay to in-network vets
- 90% reimbursement
Example loaded plan: Single Plan (90% reimbursement, $50-$100 deductible, $100k Lifetime annual limit)
Doggo
1 plan in catalog
Digital-focused insurer covering alternative therapies and offering free dog training resources.
- Free dog training resources
- Alternative therapy coverage
- Online claims in minutes
Example loaded plan: Standard (70-90% reimbursement, $100-$500 deductible, $10k annual limit)
Embrace
1 plan in catalog
Accident and illness plans with optional wellness rewards and diminishing deductibles.
- Wellness Rewards program
- Diminishing deductible
- Up to 90% reimbursement
Example loaded plan: Accident & Illness (70-90% reimbursement, $200-$1000 deductible, $5k-Unlimited annual limit)
Fetch by The Dodo
1 plan in catalog
Formerly Petplan, known for extensive dental and behavioral coverage with no lifetime limits.
- Extensive dental coverage
- Behavioral therapy reimbursement
- No lifetime limits
Example loaded plan: Comprehensive (70-90% reimbursement, $250-$500 deductible, $15k-Unlimited annual limit)
Figo
1 plan in catalog
Tech-driven plan with options up to 100% reimbursement and 1 day accident waiting period.
- 1-day accident waiting period
- 100% reimbursement option
- 24/7 virtual vet
Example loaded plan: Ultimate (70-100% reimbursement, $100-$1500 deductible, $5k-Unlimited annual limit)
Healthy Paws
1 plan in catalog
Comprehensive accident and illness coverage with no annual limits and fast claim processing.
- Unlimited annual payouts
- Direct vet pay available
- Fast mobile claims
Example loaded plan: Standard (70-90% reimbursement, $100-$500 deductible, Unlimited annual limit)
Lemonade
1 plan in catalog
AI-powered insurer with instant claim payouts and optional wellness and dental add-ons.
- AI-driven claims in seconds
- Giveback charity program
- Optional wellness packages
Example loaded plan: Base Plan (70-90% reimbursement, $100-$750 deductible, $100k annual limit)
MetLife Pet Insurance
1 plan in catalog
Customizable coverage with zero-day accident waiting period and no extended orthopedic waits.
- Zero-day accident waiting period
- No upper age limits
- Multi-pet discount
Example loaded plan: Custom (70-100% reimbursement, $50-$500 deductible, Unlimited annual limit)
Nationwide
1 plan in catalog
One of the largest insurers offering whole pet coverage including wellness and exotic pet plans.
- Whole Pet with Wellness
- Bird and exotic coverage
- 24/7 vet helpline
Example loaded plan: Whole Pet (50-90% reimbursement, $250 deductible, $10k-Unlimited annual limit)
Trupanion
1 plan in catalog
Pays vets directly at checkout with 90% reimbursement and per-condition lifetime deductibles.
- Direct vet payments
- Lifetime per-condition deductible
- 90% reimbursement
Example loaded plan: Core Plan (90% reimbursement, $0-$1000 deductible, Unlimited annual limit)
Disclaimer: Plan terms change and vary by state. Use this page to shortlist providers, then verify coverage, exclusions, and waiting periods on the insurer’s official documents before purchasing.