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Compare Pet Insurance Quotes by Company and Coverage

Like auto and home insurance, pet insurance quotes vary by company and coverage limits.

MoneyGeek’s data team collected sample quotes for a one-year-old Goldendoodle to compare pet insurance plans offered by major pet insurance providers. The results show the differences in your monthly premium when you choose low, average and unlimited coverage from different carriers.

Company
Low Coverage
Average Coverage
Unlimited Coverage

1.

24 Pet Watch

$39.03

$51.95

2.

ASPCA

$26.54

$49.27

3.

Embrace

$30.15

$42.75

4.

Figo

$27.14

$41.28

$57.82

5.

Geico

$30.15

$42.75

6.

Hartville

$26.51

$49.27

7.

Healthy Paws

$41.59

8.

Nationwide

$71.73

9.

Pet Plan

$22.29

$60.67

10.

Pets Best

$19.97

$35.04

11.

Pumpkin

$57.61

12.

Spot

$26.49

$49.18

$77.60

13.

Trupanion

$54.78

  • “Low coverage” includes a $5,000 maximum reimbursement, 80% reimbursement and $500 deductible. Rates for “average coverage” are for a plan with a $10,000 maximum reimbursement, 80% reimbursement and $250 deductible. Unlimited coverage has no maximum reimbursement amount, 90% reimbursement and a $250 deductible.

Factors that Impact Your Pet Insurance Quotes

There are several factors companies use to determine your pet insurance quote. The criteria used include:

Breed and Pet Type

Certain breeds are predisposed to specific genetic and hereditary conditions, making them more expensive to insure. With most pet insurance companies, dogs cost more than cats to insure because they tend to be larger and have higher veterinary costs. It’s generally more expensive to purchase a pet insurance plan for larger pets.

Gender

Some pet insurance companies charge more for male pets because they’re considered riskier to insure.

Location

The average cost of veterinary care where you live also determines pet insurance plan costs. Pet insurance premiums usually cost more in areas where veterinary expenses are high.

Age

Like people, pets usually have more health issues and higher vet bills as they get older. Buying pet insurance when your pet is young usually costs less. Note that pet insurance rates tend to increase as your pet ages.

How to Get Pet Insurance Quotes

You can get a pet insurance quote online or over the phone from different carriers. Getting an online quote only takes a few minutes. When you are ready to compare pet insurance quotes, you will need to provide a few key pieces of information, including your:

  • Email address
  • Pet’s age
  • Pet’s name
  • Pet’s health history
  • Pet’s gender
  • Pet’s breed
  • Pet’s species
  • Zipcode
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