Pet Insurance
Understand Your Coverage Options
Pet insurance can help with unexpected veterinary costs. Learn how coverage works, what to compare, and which questions to ask before choosing a plan for your pet.
U.S. Pet Insurance Information
The pet insurance information and providers shown on this page are intended for pet owners in the United States. Coverage, availability and terms may vary by state and provider.
How Pet Insurance Works
Pet insurance is designed to help share the cost of eligible veterinary care. Here's a simple overview of how the process typically works.
1. Choose a Plan
Compare coverage, deductibles, reimbursement levels, annual limits, exclusions, and monthly premiums.
2. Visit Your Vet
Depending on the insurer and policy, you may pay your veterinarian directly and then submit an eligible claim for reimbursement.
3. Submit Your Claim
Your insurer reviews the claim according to your policy and reimburses eligible expenses based on your coverage.
What to Compare Before Choosing a Plan
Plans can look similar but differ in important ways. Keep these factors in mind as you compare options.
Questions to Ask Before You Enroll
Asking the right questions up front can help you understand exactly what a policy covers.
- What is covered and what is excluded?
- Are there waiting periods?
- How is the deductible applied?
- Is there an annual reimbursement limit?
- Are hereditary or congenital conditions covered?
- How are pre-existing conditions defined?
- Can I use any licensed veterinarian?
- How are claims submitted and reimbursed?
- Can premiums change as my pet gets older?
Explore Pet Insurance Providers
Explore established pet insurance providers and learn about their coverage options and notable features. Policy availability, coverage and terms may vary by state and by pet.
Trupanion
Accident and illness coverage for dogs and cats, including unexpected injuries, illnesses, surgeries, diagnostic tests, and dental care, with options for behavioral and physical therapy.
- Coverage designed to last the lifetime of your pet
- Option to pay your veterinarian directly at checkout
- Use any licensed veterinarian
Pets Best
Accident and illness plans for dogs and cats, with an optional routine-care add-on for preventive care and an accident-only plan option.
- Use any licensed veterinarian
- Customizable plan options
- Optional wellness coverage for preventive care
Fetch Pet Insurance
Accident and illness coverage for dogs and cats, including dental illness, with an optional wellness plan for preventive care.
- Use any veterinarian in the U.S. or Canada
- Optional preventive-care wellness coverage
- Coverage for dental illness
Embrace Pet Insurance
Accident and illness coverage for dogs and cats, including hereditary and congenital conditions and dental illness, plus an optional Wellness Rewards program — a non-insurance wellness membership for routine care.
- Use any licensed veterinarian
- Coverage for breed-specific and genetic conditions
- Dental illness coverage included
Spot Pet Insurance
Customizable accident and illness plans for dogs and cats, with an optional wellness add-on for preventive care.
- 24/7 pet telehealth helpline
- Customizable plan options
- Optional preventive care coverage
Pumpkin
Accident and illness coverage for dogs and cats, with an optional wellness plan for preventive care and an urgent-pay service for eligible care.
- Urgent-pay option for eligible care
- Optional wellness plan for preventive care
- Use any licensed veterinarian
ASPCA Pet Health Insurance
Accident and illness plans for cats and dogs, with exam fees for eligible conditions included and optional preventive care coverage.
- Coverage for behavioral issues
- Exam fees included for eligible conditions
- Optional preventive care add-on
Lemonade Pet Insurance
Accident and illness coverage for dogs and cats, with optional add-ons for vet visit fees, dental, and behavioral conditions.
- Digital app-based experience
- Fast claims processing
- Optional add-on coverage
Pet insurance coverage, eligibility, exclusions, limits, waiting periods, pricing and availability vary by provider, policy, pet and location. Always review the insurer's current policy documents and terms before purchasing coverage.
Pet insurance policies, eligibility, coverage, exclusions, limits, waiting periods and costs vary by provider and policy. Information on Pepki Paws is provided for general educational purposes only and is not insurance, financial or veterinary advice. Always review the insurer's current policy documents and terms before purchasing coverage.