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Is pet insurance worth it?
Sometimes. It depends on your pet's age and health and what you could pay from savings. This page explains how it generally works; we're not insurance agents and don't recommend any policy.
How it works
You usually pay the vet yourself, then send a claim. The insurer pays you back a share of covered costs after your deductible, up to the policy's yearly limit.
What usually isn't covered
Conditions your pet already has (pre-existing conditions) are generally excluded, and most policies have waiting periods before coverage starts. Routine care is often a separate add-on.
When it tends to make sense
A young pet with no existing conditions, a breed known for costly health problems, or an owner who couldn't cover a large surprise bill from savings.
When it may not
An older pet whose existing problems won't be covered, or an owner with enough savings to cover a big bill. A vet fund can do the same job with no exclusions.
Read the sample policy
Every insurer publishes a sample policy. Check exclusions, waiting periods and how claims are paid before you buy, and compare the same pet and coverage across insurers.
Get quotes from insurers
Quotes are free. Compare the same coverage for the same pet, and read each insurer's sample policy.
Listed alphabetically, not ranked. We may be paid when you request a quote. We are not a licensed insurance agent, don't sell insurance and can't advise on coverage; your agreement is with the insurer. Not available in every state.