Compare Pet Insurance Plans & Quotes

Knowing how much pet insurance you will likely need and what is covered before buying helps you not overpay for coverage. When making this decision, there are three main components of plans to consider:

• Maximum Annual Reimbursement: This is the annual limit for covered pet insurance claims. They can either be a set limit or unlimited.
• Deductible: A deductible is how much you pay the insurance company to get reimbursed for a covered incident.
• Reimbursement Percentage: This is the percentage of a covered bill that a pet insurer will cover when reimbursing you.

Coverage plans typically do not cover routine/preventative care, grooming, and pre-existing conditions. However, some providers offer add-ons that supplement your plan to cover these items. Many providers will also give you the option for accident-only policies or coverage for accidents and illnesses.

To assist with your coverage decisions, it's a good idea to understand what pet insurance may cost for your companion for different coverage levels. We also recommend looking into discounts you may qualify for to further save on premiums since it is possible to save up to 15% based on our research.

Factors to keep in mind that influence your costs include:

• Pet Age: The older your pet is the more likely accidents or illnesses occur, increasing premiums.
• Breed: Some breeds are at higher risk of illness or accident than others due to genetic issues or even behavioral factors.
• Pet Size: Your pet's size affects how long your pet will live and the dosages of medication in the event of a covered accident or illness.
• State: The state you reside in can increase or decrease the cost of procedures, medication, or other covered items.
• Your Veterinarian: Similar to location, how much different providers charge heavily affects the cost of insuring your pet. This is due to different pricing for procedures, checkups, medication, and other items that may be covered under your plan.

We highly recommend figuring out the differences for each provider's coverage, exclusions, waiting periods for reimbursements, options available for reimbursement (direct to vet or direct deposit into your account), and claim/payment processing. While this is tedious to research, it will give you insight into how worth it coverage is and how convenient filing a claim and getting reimbursed will be. Every pet insurance provider offers sample policies for all options, many specific to each state, so a comparison is simple. If all else fails, be sure to be ready to ask an agent about all of these details before committing.

The great thing about pet insurance is that most providers offer easy-to-use quote tools for coverage, making it simple to get quotes quickly. When doing so, make sure you're making apples-to-apples comparisons for coverage choices so you can compare accurately. Also, larger insurers like Geico or Nationwide often offer pet insurance indirectly, so ensure you're not comparing rates from the same providers.