Comparison Tool - Compare Pet Insurance Coverage (2024)
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Advertiser Disclosure

Pet insurance comparison tool ⬇️

This tool lets you compare pet insurance plans side-by-side. Here’s how to use it.

  1. Select the two providers you want to compare using the drop-down selectors at the top of the tool to populate the coverage details below.
  2. Next, you can review and compare pet insurance coverage from each provider to see specific things that are included, not included, or are considered option add-ons with each company.
  3. Click the drop-downs to view detailed coverage coverage descriptions by category, including coverage related to accidents & illnesses, vet visits, diagnostic testing, upkeep and wellness.
  4. In the section titled “eligibility”, you can compare the eligibility requirements for each pet insurer such as the age limit, waiting period, and more.
  5. Lastly, you can use the red button to view personalized pet insurance quotes based on your specific pet’s parameters, like age, breed, size, and more. Give it a try.
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Spot Pet Insurance Paw Protect
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Compare Coverage
Accident & Illness Plan
Available
Available
Accident-Only Plan
Available
Not Available
Surgery
Covered
Covered
Hereditary and Congenital Conditions
Covered
Covered
Chronic Conditions
Covered
Covered
Dental Disease
Covered
Covered
Allergies
Covered
Covered
Cancer Treatment
Covered
Covered
Physical Therapy
Covered
Covered
Alternative Therapies
Covered
Covered
Behavioral issues
Covered
Covered
Breed Specific Issues
Covered
Covered
Emergency Vet Visits
Covered
Covered
Telehealth Visits
Covered
Covered
24/7 Vet Chat
Covered
Covered
Specialist Visits
Covered
Covered
Exam Fees
Covered
Covered
Blood Tests
Covered
Covered
Laboratory Testing
Covered
Covered
X-Rays & CT Scans
Covered
Covered
Wellness Coverage
Add On
Add On
Prescription Medication
Covered
Covered
Prescription Food
Covered
Add On
Microchipping
Covered
Add On
Boarding
Not covered
Not covered
Euthanasia
Covered
Covered
Max Enrollment Age
No Max
14 years
Accident Waiting Period
14 days
2 days
Illness Waiting Period
14 days
14 days
Orthopedic Waiting Period
14 days
6 months

Our top 3 picks for November 2024

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Lemonade Pet Insurance
GET A QUOTE on Lemonade's secure website
4.8
Maximum annual coverage 
$5,000 - $100,000
Reimbursement choices 
70%, 80%, 90%
Deductible choices 
$100, $250, $500

MetLife Pet Insurance
GET A QUOTE on MetLife's secure website
4.7
Maximum annual coverage 
$1,000-$10,000
Reimbursement choices 
70%, 80%, 90%
Deductible choices 
$50, $100, $250, $500

Paw Protect
GET A QUOTE via Petinsurer.com's secure website
4.4
Maximum annual coverage 
$5,000 - Unlimited
Reimbursement choices 
70%, 80%, 90%
Deductible choices 
$100, $250, $500

Check out our reviews of top pet insurance providers

Important variables that influence pet insurance prices

Compare deductibles

Common options: $100, $250, $500, $750, $1000

Recommended: $250 or $500

The higher your deductible is, the lower your monthly payments will be. That said, you’ll be required to meet your deductible for each new-occuring illness or accident per vist. Therefore you’ll want to balance your deductible moderately. Aim for at least $250 to keep your premium low, but if you can afford it, consider upping it to $500.

Compare reimbursement rates

Common Options: 70%, 80%, 90%

Recommended: 80%

The higher your reimbursement rate, the more money you will receive back from the insurance company after paying the deductible. That said, a higher reimbursement rate also means your monthly costs will be slightly higher.

We recommend opting for 80% reimbursement as it’s not too high that the plan becomes unaffordable, but it’s still enough to get a considerable amount of money back from the provider.

Compare annual limits

Common options: $2,500 $5,000, $10,000, $20,000, Unlimited

Recommended: $5,000 or $10,000

$2,500 is likely too low in most scenarios that require surgery. Opting for $20,000 or higher can make your plan too expensive. While you can opt for unlimited coverage, we don’t always recommend this as it may not be necessary. Most expensive vet bills end up under $10,000, and more commonly, surgeries cost closer to $5,000. It’s unlikely you’ll need to max out a $10,000 plan, but if you want catastrophic coveragem this may be your best bet.

That said, $5,000 of coverage may be enough for most scenarios.

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