Insured Pet

Pet Insurance Comparison Chart

This pet insurance comparison chart will help you determine what insurance plan will best fit the needs of you and your pet.We've compiled information on all the major and reputable brands of pet insurance on one page, to make it easier. Not all pet insurance plans are created equal and using this pet insurance comparison chart will allow you to quickly determine what type of coverage each plan will provide. You'll find the latest information about the cost of monthly premiums as well as the co-pay costs for every major plan. This pet insurance comparison chart also provides examples of reimbursements and the types of veterinary businesses that accept the policy. See the chart below to begin your pet insurance price and coverage comparison.

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Key Features

ASPCA

24 Pet Watch

Petfirst

Pet Plan

Pets Best

AKC

Embrace

Trupanion

Purina Care

Healty Paws

Plan Name
Advanced Wellness
QuickCare Complete
Preferred
Silver
BestWellness
Wellness Plus
Embrace Plan: w/ Prescription Drug & Wellness
Trupanion
PurinaCare Plus
Healthy Paws
Monthly Cost *Check individial site for the most up-to-date insurance rates
$73
$65
$51
$52
$84
$168
$90
$64
$54
$40
Age of Enrollment
8 wks - 14 yrs (dog), 8 wks - 12 yrs (cat)
8 wks and older
8 wks and older (dogs and cats)
8 wks - 8 yrs (dog), 8 wks - 10 yrs (cat)
7 wks and older
8 wks and older (dogs), 10 wks and older (cat)
8 wks - 8 yrs (dog), 8 wks - 10 yrs (cat)
8 wks to 13 yrs (dogs and cats)
8 wks and older
8 wks - 14 years (dog)
Basic Wellness Rider/Life Insurance (egular checkups, dental, parasite spotting, and various vaccines, etc.)
$26
Unavailable: Wellness Plan included in base plan
$19
Wellness Plan unavailable
$22
Unavailable: Wellness Plan included in base plan
Wellness Rewards $25
Wellness Plan unavailable
Unavailable: Wellness Plan included in base plan
Wellness Plan unavailable
Deductible Amount
$100 per year
$100 For each new incident, your deductible will be applied to every incident within a single bill. 2 separate incidents will result in 2 deductible charges on your final bill.
$50 For each new incident, your deductible will be applied to every incident within a single bill. 2 separate incidents will result in 2 deductible charges on your final bill.
$50 For each new incident, your deductible will be applied to every incident within a single bill. 2 separate incidients will result in 2 deductible charges on your final bill.
$100 per year
$125 per year
$100 per year
$50 For each new incident, your deductible will be applied to every incident within a single bill. 2 separate incidents will result in 2 deductible charges on your final bill.
$250 per year
$100 per year
Co-Pay Amount
10%
30%
10%
20%
10%
20%
20%
10%
20%
20%
Waiting Period for Coverage
30 days after date listed on policy
1 day after date listed on policy for accidents, 14 days after illness
1 day after date listed on policy for accidents, 14 days after illness
24 hours after date listed on policy for accidents, 14 days after illness
3 days after date listed on policy for accidents, 14 days after illness
1 day after date listed on policy for accidents, 30 days after illness
14 days after date listed on policy
30 days after date listed on policy
2 days after policy starts for accidents, 14 days after illness
15 days after policy starts (with a year-long waiting period for hip displasia injuries)
Major Exclusions
  • Previous sickness and health issues are excluded from new plans. The treatment or diagnosis for any type of ligament or knee injury within the first year of the policy is excluded. In addition, dental diseases are excluded.
  • Removal of a foreign object covered once in each policy term.
  • Lifetime limitations may apply to the coverage of hereditary and congenital conditions. Lifetime limitations and a completely separate annual deductible may apply to recurring, ongoing or chronic conditions.
  • Dogs involved in law inforcement will not be covered.
  • All previous sickness and health issues are excluded from new plans, developmental abnormalities and congenital illnesses are excluded from new plans.
  • All oral/dental diseases and work are also excluded. A newly-diagnosed or symptomatic preventable disease is covered only once during each policy term.
  • Coverage excluded if adult onset demodex has been diagnosed before the coverage start date or during the waiting period.
  • Illness coverage is not available for Chinese Shar-peis breeds or crossbreeds.
  • Injuries sustainted on one side of the body, consecutively causing an injury to the opposite side of the body, will not be covered.
  • Previous sickness and health issues are excluded from new plans. This includes congenital or hereditary defects and dieases, or long-term conditions that have manifested in the previous policy year.
  • The plan does not include teeth cleaning, teeth polishing, orthodontics, endodontics or removal of deciduous teeth.
  • Illness or injury that arises out of racing, coursing, commercial guarding or organized fighting of your pet are not included in plan.
  • Elective cosmetic surgeries and procedures, including but not limited to tail docking, declawing, skin folds removal, nail trimming and cropping of ears is not included in plan.
  • Users may be allowed up to 1 removal of a foreign object within each policy term duration.
  • Previous sickness and health issues are excluded from new plans. In addition, lifetime/routine treatments are excluded. Dental/oral treatment is also excluded unless the pet has had an annual exam before enrollment.
  • Unless recommended by a veterinarian, the cost or euthanization or cremation will not be covered.
  • Visits to a hospital emergency room or a veterinary specialist will require a 20% co-pay. The extra costs associated with procedures performed after usual hours will not be covered unless an emergency consultation was deemed necessary by a veterinarian. Work pets will not receive coverage.
  • All developmental abnormalities, congenital diseases and previous health issues or sicknesses will not be covered under new plans.
  • Meniscal or cruciate ligament injuries will not be covered within the first year. Medications that are not on the list of covered medications are excluded. Dental diseases are also excluded.
  • Lifetime limitations may apply for hereditary conditions, which also may include a separate deductible. Chiropractic care and acupuncture are the only acceptable forms of alternative therapy. The lifetime/wellness coverage may only be cancelled during the renewal period.
  • Developmental abnormalities, congenital diseases and all previous health issues or sicknesses are excluded from new plans.
  • With the exceptions of services for permanently broken teeth, all dental treatment is excluded. Natural, holistic and alternative therapy is excluded.
  • Euthanasia will not be covered unless it is necessary because of a covered incident.
  • All previous sickness and heatlh issues are excluded. Dental diseases are also not apart of general coverage.
  • Any previously existing behavioral problems that force treatment are excluded.
  • If an illness or injury is caused by the actions of another pet in the household, treatment for the injury or illness is not covered.
  • A foreign object that has been ingested and needs to be removed will only be covered under the plan once during the term of a policy. Other limits and exclusions apply.
  • Developmental defects and pre-existing conditions will not be covered.
  • Office visit fees and vet exams are not covered. Wellness and routine treatments are not covered. Dental diseases are excluded.
  • An Optional Benefits plan is available for other conditions.
  • Injuries sustainted on one side of the body, consecutively causing an injury to the opposite side of the body, will not be covered. Limits apply to injuries or illnesses that stem from a repetitive activity. An additional premium is required for dogs in law enforcement.
  • All previous sicknesses, injuries, developmental abnormalities and congenital diseases are excluded.
  • Illnesses and pre-existing conditions are bilateral.
  • Any accident or illness spurred by pandemic conditons.
  • All previous sicknesses or health conditions are excluded from new plans.
  • Lifetime/routine treatments are excluded. Injuries sustainted on one side of the body, consecutively causing an injury to the opposite side of the body, will not be covered.
  • Natural medicine, acupuncture and alternative therapy are all excluded. A pet is eligible for hip dysplasia coverage if they are six years or older at the time of enrollment.
  • Injuries or illnesses that occur because of a pre-existing or repetitive activity will not be covered.
Natural Therapy Coverage
Y
Y
N
Y
Y
N
Y
Available with Optional Benefits rider.
Y
N
Yearly Check-Up Requirement
N
Y
N
Y
N
Y
Y
N
N
Required for initial coverage, but not a requirement for duration of life
Therapeutic Pet Foods/Dietary Supplements
N
Y
N
N
N
N
Y
Y
N
N
Use of Any Veterinarian, Emergency Clinic, or Specialist
Y
Y
Y
Yes, *There exists a 20% co-pay charge for emergency hospital/specialist trips
Y
Y
Y
Y
Y
Y
Accidents and Illnesses *Including hospitalizations and surgeries
Y
Y
Yes *Except dental surgeries
Yes *Except dental surgeries
Y
Y
Y
Y
Y
Y
Ongoing Sickness and Disease
Coverage is available, but certain limitations exist. A separate annual deductible will be required and a lifetime maximum will be instituted.
Y
Y *Requires an extra fee
Y
Y
Yes,*Certain limitations exist
Y
Y
Y
Y
Behavioral Therapy Coverage
Y
N
N
Y
Y
N
N
Optional with fee
Y
N
Spaying/Neutering Coverage
Included in Basic Wellness Rider Plan
N
Included in Basic Wellness Rider Plan
N
Included in Basic Wellness Rider Plan
Optional with fee
Included in Basic Wellness Rewards
N
Optional with fee
N
Vaccination Coverage
Included in Basic Wellness Rider Plan
N
Included in Basic Wellness Rider Plan
N
Included in Basic Wellness Rider Plan
Optional with fee
Included in Basic Wellness Rewards
N
Optional with fee
N
Malignant Growth or Tumor Coverage
Y *Limits apply in continuous situations
Y
Y
Y *Limits apply in continuous situations.
Y
Y
Y
Y
Y
Y
Oral/Dental
Y, *Extractions ONLY (with the exception of chronic dental diseases)
N
N
Y, *Yearly examination required
Y, *Limitations apply
N
Y, *Limitations apply
Y, *Limitations apply
Y
Y
Prescribed Medicine
Y
Y
Y
Y
Y *Medications must be included on list of covered medications.
Y
Y *Optional medication coverage is available at an additional monthly cost.
Y
Y
Y
Lifetime/Wellness Coverage
Y
Y
N
N
Y
Y
Y
N
Yes, *Dependent on co-pay choice
N
Lifetime/Wellness Deductible
N
N
N
N
N
$125 Annually
N
N
$250 Annually
N