Compare Pet Insurance Quotes
It’s important to shop around to find pet insurance that fits your needs and budget. The best pet insurance companies make it easy to get a quote before enrolling in a policy. Learn how to get pet insurance quotes and compare top insurers’ pricing below.
How Do Top Pet Insurance Companies Compare?
| Company | Star Rating | Cost Range | Coverage | Visit Site |
|---|---|---|---|---|
| $23.22 | accident and illness, wellness | VISIT SITE | ||
| $45.75 | accident and illness, accident only, wellness | VISIT SITE | ||
| $57.19 | accident and illness, wellness | VISIT SITE | ||
| $43.29 | accident and illness, accident only, wellness | VISIT SITE | ||
| $48.65 | accident and illness | VISIT SITE |
How Do You Get Pet Insurance Quotes?
How Do You Compare Pet Insurance Quotes?
Every provider will let you choose a pet insurance deductible, annual coverage limit, and reimbursement rate during the quote process. Selecting different options will raise or lower your quoted premium. Make the same sample selections across each provider you’re interested in so you can get a true comparison of their monthly premiums.
Here’s what to know about those selections:
- Deductible: Your deductible is how much you’ll have to pay out of pocket before your insurance kicks in and you start getting reimbursed.
- Annual limit: The annual limit is how much the insurer will reimburse you each policy year. Once you hit that limit, you’ll be responsible for all veterinary costs.
- Reimbursement rate: Your reimbursement rate is the percentage of each vet bill the provider will reimburse you for.
It can be tempting to choose the highest possible annual limit and reimbursement percentage and the lowest deductible, but this will increase your monthly premium. Whichever selections you make, choose the same amount for each variable across insurers for a direct comparison.
Additionally, consider what you’re getting for the price. A provider that quotes a cheaper premium may offer less coverage, whereas another company may have a higher premium but reimburse less commonly covered items such as exam fees and dental cleanings. Some insurers may also offer multi-pet discounts that allow you to pay less in the long run. Make sure to read each provider’s sample policy to see what’s included in the cost.
What Factors Affect Pet Insurance Quotes?
Policy pricing can vary even within the same provider. Pet insurance companies look at the following factors to determine your monthly premium.
Pet insurers know that veterinary costs vary by city and will adjust premiums accordingly.
Premiums increase as your pet ages and becomes more vulnerable to illnesses and accidents. Some providers increase premiums when your pet reaches 7 years old, while others may not consider a pet a senior until age 10.
Breeds that are more prone to health problems cost more to insure.
Pet insurers’ data shows that male pets require more claims than females, so it costs more to insure male pets.
More comprehensive coverage costs more. For example, choosing an accident-only policy is cheaper than an accident-and-illness plan.
Your deductible, coverage limit, and reimbursement rate have a big impact on price. The higher your deductible, the lower your premium will be, and vice versa.
How Do Top Pet Insurance Companies’ Average Prices Compare?
Here are the average costs for top pet insurance providers:
| Company | Star Rating | Monthly Cost for Dogs* | Monthly Cost for Cats* | Visit Site |
|---|---|---|---|---|
| $33.69 | $13.32 | VISIT SITE | ||
| $38.44 | $21.53 | VISIT SITE | ||
| $65.15 | $53.43 | VISIT SITE | ||
| $20.76 | $18.47 | VISIT SITE | ||
| $44.83 | $24.68 | VISIT SITE | ||
| $44.79 | $16.36 | VISIT SITE | ||
| $49.85 | $26.55 | VISIT SITE | ||
| $60.77 | $37.93 | Visit Site | ||
| $114.73 | $57.19 | Visit Site | ||
| N/A | N/A | Visit Site |
*Sample quotes are for 4-year-old, mixed-breed, male dogs in Raleigh, North Carolina, using a $250 deductible, $5,000 limit, and 80% reimbursement rate.
How Do You Select the Best Pet Insurance Policy?
The right pet insurance policy is the one that most caters to your pet’s veterinary care needs and your budget. Once you’ve compared costs, look at which provider’s offerings will be the most valuable for your specific pet. Consider the following:
Talk to your vet about the hereditary conditions and health issues your pet’s breed is vulnerable to. For example, if your pet is likely to experience hip dysplasia as it ages, a provider that fully covers hip conditions will go further for you financially.
If your pet is especially active outside, its risk of getting injured or infected with diseases increases. You’ll want a plan that covers these things, so you pay less out of pocket.
Carefully read providers’ policies on exclusions, waiting periods, upper age limits, price increases, and other specifics to ensure you get the most out of what you’re paying for.
Is Pet Insurance Worth Shopping Around?
You can get a free quote from most pet health insurance providers within a few minutes, so don’t skip shopping around for the best price. Keep in mind that price shouldn’t be your only deciding factor when choosing a pet insurance company. The key is getting the best coverage for the best price to prevent out-of-pocket expenses. Getting the cheapest plan doesn’t mean much if it doesn’t cover what your pet needs.
Read our list of cheap pet insurance companies to find providers that offer comprehensive coverage for pet parents on a budget.
FAQs About Pet Insurance Quotes
What is the best type of coverage for pet insurance?
The best type of pet insurance coverage is the one that covers your pet’s medical expenses at the best price. Unlimited coverage can be a benefit, as it means there’s no cap on what your provider will pay out in a given time.
What breed is the cheapest for pet insurance?
According to LendEDU’s analysis of Spot Pet Insurance’s data, the top three cheapest dog breeds to insure are English springer spaniels, miniature Yorkshire terriers, and goldendoodles. The cheapest cat breeds to insure are exotic shorthairs and longhairs, and Bombays.
Are there different levels of pet insurance?
There are three primary types of pet insurance: accident-and-illness coverage, accident-only coverage, and wellness coverage for routine care. Each type has different coverage levels and price points.
Our Rating Methodology
We are committed to providing comprehensive and unbiased reviews to our readers. We aim to be transparent about our review standards and research process. We’ve broken down our rating methodology for pet insurance providers below.
Factors Evaluated to Compare Pet Insurance
We are dedicated to thorough, in-depth reviews of each product or service that we detail in our content. Determined to build trust with our readers through transparency, accuracy, and accountability, we’ve built a detailed rating system to score pet insurance brands. Our rating system is a weighted, 100-point scale based on the following factors:
Coverage (25)
Does the pet insurance provider offer standard accident-and-illness and accident-only coverage? How limiting is its preexisting condition policy?
Plan Options (20)
Does the pet insurance provider offer premium and deductible customizations? What about wellness plan add-ons?
Company Reputation (15)
Does the pet insurance provider have high customer satisfaction on websites like the Better Business Bureau (BBB) and Google Reviews? Do they reimburse claims quickly and communicate policies clearly?
Customer Service (10)
Does the pet insurance provider have easily reachable, helpful customer service? Is there an app that makes filing claims and receiving support easier?
Species Eligibility (10)
Does the pet insurance provider offer coverage for older pets or exotic animals?
Our researchers keep all data in each company’s score up to date, making any changes to our content when necessary to provide our readers with the most accurate information on relevant metrics, such as plan options, customer service, reputation, and monthly cost.
About Us
We are an independent editorial team of subject matter experts who champion the categories and home services we recommend. From the beginning stages of research to the published review articles, our team works diligently to center the reader’s interests by identifying common pain points, connecting with people with first-hand knowledge and experience, and crafting content that meets the needs of our audience. We aim to help first-time pet owners, potential pet owners, and budget-conscious pet owners streamline their decision-making process for selecting their home services.
To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.