Pet Insurance Comparison Charts 2025: Plans, Costs & Coverage Side-by-Side

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This content was reviewed and fact-checked by veterinarian Dr. Sandra Tashkovska, DVM.

Navigating the world of pet insurance can be overwhelming, with dozens of providers offering different coverage options, price points, and plan features. Whether you’re a first-time pet parent or looking to switch providers, understanding what each policy includes—and excludes—is essential. In this guide, we provide you with an in-depth pet insurance comparison. using detailed side-by-side charts that cover everything from monthly premiums and annual limits to wellness add-ons, exclusions, and reimbursement rates. Our goal is to help you make an informed decision and find the best protection for your furry companion—and your wallet.

Pet Insurance Comparison

A quick glance at the best pet insurance and how they compare against each other in terms of needs and preferences.

Category	Who It’s For	Get A Free Quote
Best Overall	Ideal for pet owners seeking comprehensive, tech-driven coverage at great value	Get a Free Quote
Best Personalized	Owners wanting maximum flexibility & customizable plans	Get a Free Quote
Best Pre‑Existing Coverage	Pets with past health issues that still need coverage	Get a Free Quote
Best No‑Cap Payouts	For serious medical conditions or chronic illness—no payout caps	Get a Free Quote
Best for Traveling	Frequent travelers needing coverage abroad	Get a Free Quote
Best for Bilateral Conditions	Pets prone to bilateral issues, thanks to per-condition lifetime deductible	Get a Free Quote
Best Direct Vet Payments	Owners who want claims paid straight to the vet	Get a Free Quote
Best for Exotic Pets	Ideal for owners of birds, reptiles, rabbits, etc.	Get a Free Quote
Best Alternative Therapy	Great for coverage of acupuncture, chiropractic, behavior therapy	Get a Free Quote
Best for Puppies & Kittens	Designed for young pets needing wellness add‑ons from day one	Get a Free Quote

Pet Insurance Comparison Charts

A side-by-side comparison of the top pet insurance companies and how they stack against each other in different aspects.

Plan Options Pet Insurance Comparison

Pet insurance plans vary widely in what they offer—from basic accident-only coverage to comprehensive plans that include routine wellness care. The chart below breaks down the different plan tiers offered by each provider, so you can quickly see which companies offer the right level of coverage for your pet’s needs.

Please note that plan options may vary depending on your pet’s breed, age, and location.

Category	Annual Limits	Deductibles	Reimbursement Rates	Accident & Illness	Wellness Add-On	Accident-Only Plans	Nationwide Coverage	Avg Claim Processing	Vet Direct Pay	Get a Free Quote
Best Overall	$5K–$100K	$100–$750	70%, 80%, 90%	✅	✅	❌	✅	2–3 days	❌	Get a Free Quote
Best Personalized	$2.5K–Unlimited	$100–$1K	70%, 80%, 90%	✅	✅	✅	✅	7–10 days	❌	Get a Free Quote
Best Pre‑Existing Coverage	$5K–Unlimited	$100–$1K	70%, 80%, 90%	✅	✅	✅	✅	10–15 days	❌	Get a Free Quote
Best No‑Cap Payouts	Unlimited	$100–$1K	50%, 60%, 70%, 80%, 90%	✅	❌	❌	✅	2 days	✅	Get a Free Quote
Best for Traveling	$5K–Unlimited	$100–$750	70%, 80%, 90%, 100%	✅	✅	✅	✅	2–5 days	✅	Get a Free Quote
Best for Bilateral Conditions	Unlimited	$0–$1K (per-condition)	90%	✅	❌	❌	✅	1–2 days	✅	Get a Free Quote
Best Direct Vet Payments	$5K–Unlimited	$50–$1K	70%, 80%, 90%	✅	✅	✅	✅	5–7 days	✅	Get a Free Quote
Best for Exotic Pets	$10K fixed	$100–$500	50%, 70%, 80%	✅	✅	✅	✅	Up to 30 days	❌	Get a Free Quote
Best Alternative Therapy	$2.5K–$10K	$100–$500	70%, 80%, 90%	✅	✅	✅	✅	14–30 days	❌	Get a Free Quote
Best for Puppies & Kittens	$10K–Unlimited	$100–$1K	90%	✅	✅	❌	✅	5–10 days	❌	Get a Free Quote

Monthly Pet Cost Insurance Comparison

Monthly premiums can differ significantly based on your pet’s breed, age, location, and the level of coverage you choose. To give you a general idea of pricing, the table below compares average monthly costs across top providers for both dogs and cats. Use this as a benchmark to understand what you might expect to pay and which companies offer the best value for your budget.

Average Monthly Premiums for Dogs and Cats by Company

Conditions & Treatment Comparison

Not all pet insurance plans cover the same medical conditions or treatments. Some providers include coverage for chronic illnesses, hereditary conditions, alternative therapies, and even dental care—while others exclude them entirely. The chart below compares how each insurer handles key health conditions and treatment types, helping you identify which plans offer the most comprehensive protection for your pet’s long-term health.

Dental	Prescription Medication	Chronic Conditions	Hereditary & Congenital	Cancer	Alternative Therapies	Euthanasia / Cremation	Telehealth	Boarding Fees	Lost Pet Advertising
❌	✅	✅	✅	✅	Optional	✔️	Optional	❌	✔️
✅	✅	✅	✅	✅	✅	✔️	Optional	✅	✅
✅	✅	✅	✅	✅	✅	✔️	✅	✅	✅
✅	✅	✅	✅	✅	✅	✔️	Optional	❌	✅
✅	✅	✅	✅	✅	✅	✔️	Optional	✅	✅
✅	✅	✅	✅	✅	✅	✔️	Optional	❌	✅
✅	✅	✅	✅	✅	✅	✔️	Optional	✅	✅
✅	✅	✅	✅	✅	✅	✔️	✅	✅	✅
✅	✅	✅	✅	✅	✅	✔️	✅	✅	✅
✅	✅	✅	✅	✅	✅	✔️	Optional	✅	✅

Exclusion & Limitations Comparison

Every pet insurance policy comes with exclusions and limitations that can impact your coverage when it matters most. These may include pre-existing conditions, breed-specific restrictions, age limits, and more. The chart below outlines the key exclusions and limitations for each provider, so you can spot potential coverage gaps and choose a plan that aligns with your expectations and your pet’s needs.

Pre‑Existing	Preventive Care	Waiting Period	Grooming/Cosmetic	Breeding/Pregnancy	Elective Treatments	Behavioral Therapy	Bilateral Conditions	Congenital/Hereditary	Age Restrictions	Non‑Veterinary	Neglect/Abuse	Breed‑Specific
Excluded	Excluded	Excluded	Excluded	Excluded	Excluded	Excluded	Excluded	Covered	Min age only	Excluded	Excluded	Sometimes
Excluded*	Limited	Excluded	Excluded	Excluded	Excluded	Covered	Excluded	Covered	No limits	Excluded	Excluded	Covered
Limited	Limited	Excluded	Excluded	Excluded	Excluded	Covered	Excluded	Covered	Min age only	Excluded	Excluded	Sometimes
Excluded	Excluded	Excluded	Excluded	Excluded	Excluded	Excluded	Excluded	Covered	Min age only	Excluded	Excluded	Sometimes
Excluded	Limited	Excluded	Excluded	Excluded	Excluded	Covered	Excluded	Covered	No limits	Excluded	Excluded	Sometimes
Excluded	Excluded	Excluded	Excluded	Excluded	Excluded	Covered	Excluded	Covered	Min age only	Excluded	Excluded	Sometimes
Excluded	Limited	Excluded	Excluded	Excluded	Excluded	Covered	Excluded	Covered	No limits	Excluded	Excluded	Sometimes
Excluded	Limited	Excluded	Excluded	Excluded	Excluded	Covered	Excluded	Covered	Min age only	Excluded	Excluded	Sometimes
Excluded	Limited	Excluded	Excluded	Excluded	Excluded	Covered	Excluded	Covered	No limits	Excluded	Excluded	Sometimes
Excluded	Limited	Excluded	Excluded	Excluded	Excluded	Covered	Excluded	Covered	No limits	Excluded	Excluded	Sometimes

Therapy Coverage Comparison

Many modern pet insurance providers now offer coverage for therapies beyond traditional veterinary care, including acupuncture, chiropractic treatments, hydrotherapy, and other alternative therapies. These options can be vital for pets recovering from surgery, managing chronic pain, or improving mobility. The chart below compares which therapeutic treatments are covered by each insurer, so you can find a plan that supports a holistic approach to your pet’s health.

Behavioral Therapy	Physical Therapy	Hydrotherapy	Acupuncture	Chiropractic	Massage Therapy	Laser Therapy	Holistic Treatment
Behavioral Conditions Rider – $1,000 limit	Physical Therapy Rider	Physical Therapy Rider	Physical Therapy Rider	Physical Therapy Rider	❌	Physical Therapy Rider	❌
✅	✅	✅	✅	✅	✅	✅	✅
✅	✅	✅	✅	✅	❌	✅	❌
✅	✅	❌	❌	❌	✅	✅	❌
$500 limit	✅	✅	✅	✅	✅	✅	❌
✅	Recovery & Complementary Care Rider	Recovery & Complementary Care Rider	Recovery & Complementary Care Rider	Recovery & Complementary Care Rider	❌	❌	Recovery & Complementary Care Rider§
✅	Elite Plan	Elite Plan	Elite Plan	Elite Plan	❌	❌	Elite Plan
✅	✅	✅	✅	✅	❌	❌	❌
✅	✅	✅	✅	✅	✅	✅	✅
✅	✅	❌	✅	❌	✅	❌	✅

Wellness Plans Comparison

Wellness plans are optional add-ons that cover routine and preventive care, such as vaccinations, annual exams, flea and tick prevention, and dental cleanings. While not included in standard accident and illness policies, these plans can help offset the cost of keeping your pet healthy year-round. The chart below compares the wellness plan options offered by each provider, outlining what’s included and how they differ in terms of coverage and value.

Plans	Monthly Premium	Total Annual Benefits	Total Annual Premium	Total “Savings”
Preventative Care Preventative+ Care Puppies/Kittens	$16 $24.33 $44	$265 $480 $659	$192 $291.96 $528	$73 $188.04 $131
Gold Platinum	$9.95 $24.95	$250 $450	$119.40 $299.40	$130.60 $150.60
Wellness Rewards	$22.92 $39.58 $56.25	$300 $500 $700	$275.04 $474.96 $675	$24.96 $25.04 $25
N/A	N/A	N/A	N/A	N/A
Basic Plus	$9.50 $16.50	$135 $250	$114 $198	$21 $52
N/A	N/A	N/A	N/A	N/A
Essential/Wellness BestWellness	$14–$21.75 $26–$32.58	$305 $535	$168–$261 $312–$390.96	$44–$137 $144.04–$223
Wellness Coverage Plans	Varies	$450 $800	N/A	N/A
Basic Prime	$9.95 $24.95	$250 $450	$119.40 $299.40	$130.60 $150.60
N/A	N/A	N/A	N/A	N/A

Waiting Periods Comparison

Waiting periods are the mandatory timeframes you must wait after enrolling before certain types of coverage take effect. These vary by provider and by condition—some cover accidents within a few days, while others impose longer waits for illnesses or orthopedic issues. The chart below compares waiting periods across top insurers, helping you understand how soon your pet will be protected after signing up.

Company	Illness	Accident	CCL	Hip Dysplasia	Wellness*	Other
Pets Best	14 Days	3 Days	6 Months	14 Days	0 Days
Healthy Paws	15 Days	15 Days	15 Days	12 Months	0 Days
FIGO	14 Days	1 Day	6 Months	6 Months	0 Days	Orthopedic Conditions – 6 Months
Embrace	14 Days	2 Days	6 Months	6 Months	0 Days	IVDD, Patellar Luxation – 6 Months
Lemonade	14 Days	2 Days	6 Months	30 Days	0 Days	Orthopedic Conditions – 30 Days
Trupanion	30 Days	5 Days	30 Days	30 Days
ASPCA	14 Days	14 Days	14 Days	14 Days	0 Days
Spot	14 Days	14 Days	14 Days	14 Days	0 Days
Nationwide	14 Days	14 Days	12 Months	14 Days	1 Day
Pumpkin	14 Days	14 Days	14 Days	14 Days	0 Days

Age Limits Comparison

Age restrictions can impact your ability to enroll your pet in insurance or maintain coverage as they get older. Some providers have strict age cutoffs for new enrollments, while others offer lifetime coverage as long as you enroll early. The chart below compares minimum and maximum age limits across leading pet insurance companies, so you can find a policy that fits your pet’s life stage—whether they’re a playful puppy or a senior companion.

Pet Insurance Age Limits Comparison

*Some providers have no stated maximum age limit or may vary by breed or plan.

Perks, Discounts & Other Amenities Comparison

Beyond core coverage, many pet insurance companies offer extra perks that add value to their plans—such as multi-pet discounts, 24/7 vet helplines, mobile app access, and coverage for travel or boarding. These added benefits can enhance your overall experience and save you money. The chart below highlights the unique features, discounts, and amenities each provider offers, helping you spot added value beyond just medical coverage.

Company	Multi-Pet Discount (%)	Bundle with Home/Renter’s Insurance	Military/Senior/Employee Discounts	Other Amenities & Perks
Embrace	10%	Not advertised	Military discount	Wellness rewards, covers exam fees
ASPCA	10% (after 1st pet)	Not advertised	Not advertised	Flexible plans, preventive care add-on
Pumpkin	10% (after 1st pet)	Not advertised	Not advertised	Consistent 90% reimbursement, no age limits
Spot	10% (after 1st pet)	Not advertised	Not advertised	Customizable plans, preventive care add-on
Figo	5%	Not advertised	Not advertised	24/7 live vet chat, wellness add-ons
Pets Best	5%	Not advertised	Military discount (most states)	Direct vet pay, 24/7 vet helpline
Lemonade	5%	10% off when bundled	Not advertised	Fast claims via app, wellness add-on
Nationwide	5% (2–3 pets), 10% (4+)	Yes	Not advertised	Exotic pet coverage, wellness add-on
Trupanion	Not advertised	Not advertised	Not advertised	Direct vet pay, lifetime per-condition limit
Healthy Paws	Not advertised	Not advertised	Not advertised	Unlimited annual/lifetime coverage

Reputation, Stability & Trustworthiness Comparison

When choosing a pet insurance provider, it’s important to consider more than just coverage and cost—you also want a company that’s financially stable, transparent, and trusted by its customers. Reputation indicators like customer reviews, industry ratings, years in business, and underwriter reliability can give you confidence in your choice. The chart below compares key trust factors across top insurers to help you find a provider you can count on for the long haul.

Financial Ratings (A.M. Best, etc.)	Time in Business	Claims Payout Reputation
A+ (American Modern, A.M. Best)	Since 2003	Fast, digital claims; positive reviews
A+ (Crump/United States Fire, A.M. Best)	Since 2006 (pet ins.)	Reliable, but some delays reported
A+ (United States Fire, A.M. Best)	Since 2020	Generally positive, newer to market
A+ (United States Fire, A.M. Best)	Since 2019	Fast claims, good customer feedback
A (Independence American, A.M. Best)	Since 2015	Fast, digital claims; good reputation
A+ (American Pet Insurance Co., A.M. Best)	Since 2005	Quick payouts; positive reviews
A (North American, A.M. Best)	Since 2020 (pet ins.)	Very fast, app-based, strong reputation
A+ (A.M. Best)	Since 1982 (pet ins.)	Long track record, reliable payouts
A- (American Pet Insurance Co., A.M. Best)	Since 2000	Direct vet pay, fast and reliable
A+ (Chubb, A.M. Best)	Since 2009	Fast, high satisfaction, unlimited payouts

The Bottom Line

Choosing the right pet insurance isn’t just about finding the cheapest policy—it’s about finding the right balance of coverage, cost, and care for your pet’s unique needs. By reviewing the comparison charts above, you can see how each provider stacks up in key areas like accident and illness protection, wellness benefits, and exclusions. Whether you’re looking for broad coverage, affordable premiums, or specialized add-ons, the right plan is out there. Use this guide as a starting point to narrow down your options and give your pet the long-term health protection they deserve.

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Pet Insurance Comparison Charts 2025: Plans, Costs & Coverage Side-by-Side

Pet Insurance Comparison