Compare the top pet insurance providers in United States — see cover, features and typical rates side by side.
20 live offers compared from 20 providers, from $0. Updated daily.
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Customizable accident and illness coverage. Multiple annual limit options. Preventive care add-on.
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Top-rated pet insurance. Unlimited annual benefits. No per-incident deductibles.
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90% reimbursement on covered vet bills. Direct vet payment at checkout. No payout limits.
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Comprehensive A&I plus optional wellness rewards. Diminishing deductible.
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Up to 100% reimbursement. Cloud-based pet health records. Multiple deductible options.
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Pet insurance reimburses a portion of veterinary bills when your dog or cat gets sick or injured, protecting you from large, unexpected costs. In the United States the standard product is an accident-and-illness plan, and most insurers let you add optional wellness coverage for routine care. Unlike human health insurance, pet policies work on reimbursement: you pay the vet directly, then submit a claim and get paid back a percentage after your deductible. You can use any licensed veterinarian.
Pet insurance is regulated as property-and-casualty insurance by state insurance departments. Plans are defined by three levers: the annual deductible, the reimbursement percentage (commonly 70%, 80% or 90%), and the annual payout limit. Pre-existing conditions are excluded, so buying while your pet is young and healthy is cheaper and avoids exclusions. Most policies impose a short waiting period after enrollment before coverage begins, and premiums rise as pets age. Wellness add-ons cover predictable costs like vaccines and checkups.
Big-bill protection — Reimburses most of the cost of surgeries, emergencies and chronic illness treatment.
Any-vet freedom — Coverage works at any licensed vet, specialist or emergency clinic in the US.
Customizable plans — You choose the deductible, reimbursement rate and annual limit to fit your budget.
Optional wellness — Add-on plans help cover routine vaccines, dental cleanings and checkups.
Enroll while your pet is young to lock in lower premiums and avoid pre-existing exclusions. Compare the reimbursement percentage, annual deductible and payout limit, and read what is excluded—especially hereditary and congenital conditions, which some insurers cover and others do not. Check the waiting periods, whether there are per-condition caps, and how fast claims are paid, including any direct-pay options. Decide whether the routine-care add-on is worth it or whether you would rather budget for predictable costs yourself.
Healthy Paws is known for unlimited annual payouts and simple accident-and-illness coverage. Trupanion pays a set percentage with no annual limit and offers direct vet payment at participating clinics. Embrace, Figo, Spot, Pumpkin and Pets Best offer customizable accident-and-illness plans with optional wellness riders, and ASPCA Pet Insurance provides widely available coverage backed by a well-known brand. Each differs on deductibles, coverage of hereditary conditions and claim handling.
Premiums depend on species, breed, age and location, but dog policies commonly run roughly $30–$60 a month and cats less, often 5–$30. Choosing a higher deductible, lower reimbursement percentage or lower annual limit reduces the premium. Costs climb as pets age and for breeds prone to expensive conditions. Wellness add-ons raise the monthly price but offset routine expenses. Because it is reimbursement-based, you also front the vet bill before being paid back.
Pet insurance is regulated by state insurance departments, and a growing number of states have adopted the NAIC Pet Insurance Model Act, which standardizes disclosures around pre-existing conditions, waiting periods and coverage terms. Insurers must clearly disclose exclusions and how reimbursement works. State guaranty associations may backstop claims if an insurer fails, and consumers can complain to their state regulator over disputed claims.
Are pre-existing conditions covered? No—conditions your pet had before enrollment are excluded, which is why early sign-up matters. Can I use my own vet? Yes, US pet insurance works on reimbursement at any licensed vet. Is it worth it? It makes sense if a large emergency bill would strain your finances; otherwise some owners self-insure with savings.
The cheapest Pet Insurance in United States is $0 from from Spot Pet Insurance.
The lowest tracked price on Giraffy is $0 from across 5 live offers. Compare all plans sorted by price.
Giraffy tracks Spot Pet Insurance,Healthy Paws,Trupanion,Embrace Pet Insurance,Figo Pet Insurance pet insurance companies in United States.
Offer data is refreshed daily from the Giraffy database. Each compare page shows when data was last checked.
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