Compare Pet Insurance Providers
Select up to three providers and compare coverage, pricing, and features side by side. Find the plan that fits your pet's needs and your budget.
| Feature | Healthy Paws 4.9 Best Overall | Trupanion 4.7 Best for Chronic Illness | Embrace 4.6 Best Value |
|---|---|---|---|
| Monthly Cost | $25–$65 | $30–$80 | $20–$55 |
| Reimbursement | 90% | 90% | 70–90% |
| Deductible | $100–$500 | $0–$1,000 (per condition) | $200–$1,000 |
| Annual Limit | Unlimited | Unlimited | $5K–Unlimited |
| Waiting Period | 15 days | 5–30 days | 2–14 days |
| Claim Speed | 2 days avg | 3–5 days | 5–10 days |
| Exam Fees Covered | |||
| Wellness Add-on | |||
| Hereditary Conditions | |||
| Dental Illness | |||
| Behavioral Conditions | |||
| Direct Vet Payment | |||
| Multi-Pet Discount | |||
| Mobile App | |||
| Best For | Unlimited coverage with no caps | Chronic & hereditary conditions | Value + wellness add-on |
Provider Summaries
Healthy Paws
Best Overall
Best for: Unlimited coverage with no caps
Trupanion
Best for Chronic Illness
Best for: Chronic & hereditary conditions
Embrace
Best Value
Best for: Value + wellness add-on
How to Choose the Right Plan
Start with your pet's breed
Some breeds are prone to hereditary conditions that can cost thousands to treat. If your pet is high-risk, prioritize plans that cover hereditary and congenital conditions from day one.
Browse Breed GuidesDecide on your deductible strategy
Annual deductibles work best for pets with multiple issues per year. Per-condition deductibles (like Trupanion) are better for chronic conditions that require ongoing treatment.
Consider your reimbursement preference
Higher reimbursement (90–100%) means lower out-of-pocket costs per claim, but higher monthly premiums. Lower reimbursement (70%) keeps premiums down if your pet is generally healthy.
Factor in wellness needs
If you want help covering routine care (vaccines, dental cleanings, flea prevention), look for plans with a wellness add-on like Embrace or ASPCA.
Still not sure which plan is right?
Read our in-depth reviews for a complete breakdown of each provider's coverage, pricing, and claims experience.