Swallowed a sock
Dog · surgery to remove it
- Example bill
- Plan could pay
Pet insurance for dogs & cats
Big vet bills. Smaller premiums.
Vet bills happen. Pay less when they do.
Compare accident and illness plans in about a minute. Many plans pay back up to 90% of eligible vet costs, at any licensed vet.
Who are we covering?
- Free to compare
- No obligation
- Puppies, kittens & seniors
it happens to the best of them
What a bad week at the vet can cost
Pick a plan setup and see what it could pay back on some very common vet visits.
Reimbursement
Deductible
Torn knee ligament
Dog · CCL surgery
- Example bill
- Plan could pay
Urinary blockage
Cat · emergency care & hospital stay
- Example bill
- Plan could pay
Tooth extractions
Cat or dog · dental surgery
- Example bill
- Plan could pay
Ear infection
Dog · exam, tests & meds
- Example bill
- Plan could pay
Broken leg
Cat or dog · X-rays & fracture repair
- Example bill
- Plan could pay
Example bills are illustrative and vary by clinic, region and condition. Payouts assume the visit is covered, the full deductible applies, the annual limit isn't reached and waiting periods have passed. A lower deductible or higher reimbursement rate usually means a higher monthly price.
the good stuff
What accident & illness plans cover
Accidents
Broken bones, bites, cuts, swallowed objects and other injuries.
Illnesses
Infections, allergies, diabetes, cancer and hereditary conditions on many plans.
Emergencies
ER visits, surgery and overnight hospital stays.
Diagnostics
X-rays, ultrasounds, bloodwork and specialist visits.
optional add-on
Wellness plans for routine care
Many insurers offer a wellness add-on that helps budget for the visits you know are coming.
Checkups
Vaccines
Dental cleanings
Flea & tick
Lab tests
Usually not covered: pre-existing conditions, cosmetic procedures and breeding costs. Every plan has its own terms, so check the details before you enroll.
every age, every breed
Plans for the whole crew
Enroll young to lock in coverage before anything becomes pre-existing.
Cats hide when they're sick, so a sudden big bill is common. Cat plans tend to cost less too.
Many insurers cover older pets. Check each plan's enrollment age limits.
easy as sit, stay, save
How it works
Tell us about your pet
Species, age, breed and ZIP code. That's what insurers use to price a plan.
Compare your matches
See plans available for your pet and area, then click through for your exact price.
Enroll with the insurer
Pick your deductible and reimbursement rate. Coverage starts after the plan's waiting period.
sniffing around?
Good questions
Can I keep my current vet?
Most pet insurance plans work with any licensed veterinarian in the US, including specialists and emergency hospitals. You pay the vet, submit the claim, and the insurer reimburses you.
Are pre-existing conditions covered?
Generally no. Conditions that show signs before coverage starts or during the waiting period are usually excluded. Some insurers will cover curable conditions after a symptom-free period. Enrolling while your pet is young and healthy gives you the most coverage.
What's a waiting period?
It's the time between enrolling and when coverage begins. Accident coverage often starts within a few days. Illness coverage commonly starts after about two weeks, and some orthopedic conditions can take longer.
How much does pet insurance cost?
It depends on species, breed, age, location and the plan options you choose. In 2024 the average US accident and illness plan cost about $62 a month for dogs and $32 a month for cats, according to NAPHIA. Raising your deductible or lowering your reimbursement rate brings the price down.
Does it cost anything to compare?
No. Comparing plans here is free and there's no obligation to buy. You only pay if you choose to enroll with an insurer.
Ready when they are.
Free to compare, no obligation, about a minute.