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What does pet insurance cover?
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Accidents
Here to help in case of the unexpected.
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Illnesses
From skin issues to sniffles and everything in between.
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Pre-existing conditions
Curable pre-existing conditions may be covered by many insurers.
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Breed-specific conditions
Certain breeds are prone to certain conditions – pet insurance may be able to help.
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Cancer
Costly treatments like radiation, chemo, surgeries, and more…
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Dental
Broken, chipped, or fractured teeth, gingivitis, and periodontal disease.
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Alternative therapies
Treatments like acupuncture and hydrotherapy can really help certain conditions.
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Vet exam fees
The costs can really rack up, so getting them covered by pet insurance is great!
Our happy pet parents
Got more than one pet to insure?
Don’t worry, we’ve got you covered. All of our insurers offer discounts for multi-pet insurance plans.
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Our great insurers!
We offer a wide range of insurance products and services for furry friends — and peace of mind for their families.
Compare our top pet insurance providers today!
| Annual coverage options | Reimbursement choices | Deductible options | When does coverage start? | Maximum age at sign up | Vet exam fees included | Dental accidents covered | Dental illnesses covered | Wellness plan offered | 24/7 pet telehealth | Multi-pet discount offered | Charge for paying monthly | App to make claims | Use any vet | Alternative therapies coverage | Curable pre-existing condition coverage | Optional add-ons | |
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$2,500, $5,000, $7,500, $10,000, Unlimited* | 70%, 80%, 90% | $100, $250, $300, $400, $500, $600, $750, $1,000 |
Accidents: 2 days Illness: 14 days |
8 years |
Optional/Add-on
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In the U.S and Canada |
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Vet exam fees coverage Hereditary, chronic & congenital conditions coverage Breeding coverage End of life coverage |
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$2,500, $5,000, $7,000, $10,000 | 70%, 80%, 90% | $100, $250, $500 |
Accidents: 14 days Illness: 14 days |
No maximum |
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In the U.S and Canada |
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$5,000, $8,000, $10,000, $15,000, Unlimited | 70%, 80%, 90% | $100, $250, $500, $750, $1,000 |
Accidents: 2 days Illness: 14 days |
14 years |
Optional/Add-on
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In the U.S and Canada |
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Vet exam fees coverage Prescription drugs coverage |
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$1,000, $2,500, $5,000, $7,500, $10,000 | 70%, 80%, 90% | $100, $250, $500 |
Accidents: 2 days Illness: 14 days |
8 years |
Optional/Add-on
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In the U.S and Canada |
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Vet exam fees coverage Breeding coverage Inherited & congenital conditions coverage Final respects coverage |
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$5,000, $10,000, Unlimited | 70%, 80%, 90%, 100%§ | $100, $250, $500, $750, $1,000†, $1,500‡ |
Accidents: 1 day Illness: 14 days |
No maximum |
Optional/Add-on
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In the U.S and Canada |
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Vet exam fees coverage |
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$5,000, $8,000, $10,000, $15,000, Unlimited | 70%, 80%, 90% | $100, $250, $500, $750, $1,000 |
Accidents: 2 days Illness: 14 days |
14 days |
Optional/Add-on
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In the U.S and Canada |
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Vet exam fees coverage Prescription drugs coverage |
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$5,000, Unlimited | 70%, 80%, 90% | $50, $100, $200, $250, $500, $1,000 |
Accidents: 3 days Illness: 14 days |
No maximum |
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In the U.S and Canada |
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$5,000, $10,000, $20,000, Unlimited | 80%, 90% | $100, $250, $500, $1,000 |
Accidents: 14 days Illness: 14 days |
No maximum |
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In the U.S and Canada |
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$2,500, $3,000, $4,000, $5,000, $7,000, $10,000, Unlimited | 70%, 80%, 90% | $100, $250, $500, $750, $1,000 | 14 days | No maximum |
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In the U.S and Canada |
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* Exclusive to accident-only plans. § Only available with $5k annual cover and a minimum deducible of $500. † For pets aged 8+. ‡ For pets aged 10+.
Getting paid back is as easy as 1, 2, 3
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Go to the vet
With no network restrictions, you can choose from any licensed veterinarian, including emergency and specialist vet clinics.
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Submit a claim online
Take a picture of your invoice and submit using your brand’s website or app.
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Get money back fast
Use direct deposit and get paid right to your account when your claim is approved.
Swallowed a foreign object (a rock)
Pet parent had a plan with Embrace
80% Reimbursement
$300 Deductible
Pet Insurance FAQs
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A handy way to look at pet insurance is that it’s there for all the things you don’t know are going to happen to your pet. So whether they’ve swallowed something they shouldn’t, broken a leg or been diagnosed with a serious condition like cancer, pet insurance is there to help pay the costs of any covered vet bills. How much your insurer pays towards the cost of a covered vet bill depends on the amount of annual coverage you’ve selected, as well as the reimbursement level you’ve chosen.
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That’s a good question, and it’s impossible to give a one-size-fits-all answer. That’s because the cost of pet insurance depends on several things, like zip code, breed and your pet’s age. Vet bills are way more expensive in a state like California than, say, Nebraska, and statistically a puppy is less likely to get sick than a senior dog. On top of that, some breeds are more prone to certain illnesses than others. So, for example, a 12-year-old French Bulldog in Los Angeles with respiratory issues will be more expensive to insure than a 6-month-old Labrador puppy in Omaha.
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Pet insurance doesn’t cover pre-existing conditions, which is something your pet had or showed symptoms of before you took out your policy. So if your pet isn’t insured and then gets diagnosed with diabetes, you can’t then take out a pet insurance policy and expect your insurer to cover your pet for diabetes. That said, insurers like Embrace, Pets Best, Pumpkin, Geico, Figo and ASPCA Pet Health Insurance can cover curable pre-existing conditions. That means if your pet has a condition but goes symptom- and treatment-free for a particular period of time – usually six or 12 months – that condition could then be covered.
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You sure can! The number of dogs or cats you are allowed to have depends on the state you live in, but however many you have they can all be insured. The good news is that many insurers offer a multi-pet discount – Embrace, Geico, Pumpkin and ASPCA Pet Health Insurance offer a 10% multi-pet discount, while Pets Best and Figo offer 5%.
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No. Remember, pet insurance is there for accidents and illnesses – the things you don’t know are going to happen. Spaying and neutering are things you do know are going to be needed, along with stuff like flea and tick meds, vaccinations, and teeth cleaning. Luckily, these costs can be covered by adding a Wellness plan to your pet insurance policy, something offered by Embrace, Pets Best, Pumpkin, Figo, ASPCA Pet Health Insurance, Geico, AKC Pet Insurance, and Felix.