Compare Pet Insurance 2019
Our Score
Specifications
Price Range (Dogs)
Price Range (Cats)
Pricing Based On
Covered Animals
Contract Type
Type of Deductible
Multiple Pet Discount
Reimbursement Based on
Money Back Guarantee
NO Pre Coverage Exam Required
NO Vaccination Requirement for Coverage of Certain Conditions
Effective Dates, Waiting Periods & Min/Max Ages
Effective Date
Enrollment Age Minimum
Enrollment Age Maximum
Waiting Period for Illness
Waiting Period for Accidents
Waiting Period for Heredity/Congenital/Other Conditions
Coverage
Claims Cause Policy Increase
Deductibles and Limits
Per Incident Deductables
Annual Deductibles
Reimbursement Levels
Per Incidence Limits
Annual Claims Limits
LifeTime Claims Limits
Coverage
Accidents/Injury
Illness
Pre-Existing Conditions
Congenital Conditions
Wellness Coverage
Prescription Drug Coverage
Dental
Pregnancy
Special Coverage
Spay and Nueter
Exam Fees
Alternative Therapies
Behavioral Issues
Prescription Food & Supplements
Customer Service
Options Available
Editor choice
2 year old female mixed breed (medium dog or domestic short-hair cat) from Minnesota with $200 deductable, 80% reimbursement and $10,000 annual limit Dogs, Cats Monthly, Annually Annual 10% Actual Veterinary Charges 30 Days
12:01am (EST) the day after enrollment 8 Weeks None 14 Days 5 Days 14 Days Both In-State & Out of State, Plus Canada and Puerto Rico No $50, $100, $200, $500 70%, 80%, 90%, 100% No Limits $10,000, $14,000, No Limits no limits
Yes No Yes No no, but complications as a result of pregnancy are Yes No Yes Yes
No Phone, Live Chat, Email, Benefits/Statements Online
Editor choice
2 yr old female medium sized mixed breed dog from Minnesota or 2 yr old female domestic short-haired cat from Minnesota with $250 per incident deductible, 80% reimbursement, and $5,000 annual limit. Dogs, Cats Monthly, Annually Incident 5% for 2nd pet and 10% for 3rd and subsequent Actual Veterinary Charges 14 Days
Midnight (EST) after enrollment 8 Weeks None 14 Days None 14 Days Both In-State & Out of State No $50, $100, $250, $500 70%, 80%, 90% On Wellness Plans Only $2,000, $5,000 no limits
Yes Add-on Yes No, except for trauma No Yes No Yes Yes, Including Holistic
No Phone, Email, Benefits/Statements Online
2 year old mixed breed spayed female, with $5,000 annual limit, $200 deductible, and 80% reimbursement level Dogs, Cats Monthly, Annually Annual 5% Actual Veterinary Charges 30 Days
Day after purchase 6 Weeks 14 Years 14 Days 48 hours or 14 days (depending upon State) 12 Months Both In-State & Out of State No $200, $300, $500, $1000 65%, 80%, 90% No Limits $5,000, $10,000, $15,000 no limits
Yes Add-on Add-on Add-on No Yes Wellness Add-on Yes Yes
Yes Phone, Email, Benefits/Statements Online
2 year old mixed breed female from MN with a $200 deductible and 80% reimbursement level. Dogs, Cats Monthly, Quarterly, Semi-Annually, Annually Annual 5% Actual Veterinary Charges 30 Days
The day after purchase. 7 Weeks None 14 Days 3 Days 6 Months Both In-State & Out of State, Plus Canada and Puerto Rico No $50, $100, $200, $250, $1000 70%, 80%, 90% No Limits, On Wellness Plans Only $2,500, $5,000, $10,000, No Limits no limits
Yes - only specific states Add-on Approved List Only No, except for trauma No Yes No Only on Plus and Elite Plans Rehabilitative, Acupuncture & Chiropractic Coverage
No Phone, Live Chat, Email, Benefits/Statements Online
2 year old mixed breed from Minnesota, with $200 deductible and 80% reimbursement level and a $15,000 annual limit Dogs, Cats Monthly, Quarterly, Annually Annual None Actual Veterinary Charges 30 Days
Day after purchase. 6 Weeks None 15 Days 5 Days 15 Days Both In-State & Out of State, Plus Canada No $100, $125, $150, $175, $200, $225, $250, $300, $500, $1000 70%, 80%, 90% No Limits $2,500, $5,000, $10,000, $15,000, $20,000, $25,000, No Limits no limits
Yes - if not pre-existing condition No Yes No, except for trauma No Yes No Yes Yes
No 24/7 Support, Phone, Live Chat, Email, Benefits/Statements Online
2 year old medium mixed breed dog or domestic short-haired cat from Minesota with a $250 deductible and 80% reimbursement level Dogs, Cats Monthly Annual None Actual Veterinary Charges 30 Days
12:01am the following day after enrollment 8 Weeks 14 Years 15 Days 15 Days 12 Months Both In-State & Out of State No $100, $250, $500 70%, 80%, 90% No Limits No Limits no limits
Yes No Yes No, except for trauma No Yes No No Yes
No Phone, Email, Benefits/Statements Online
2 year old female medium mixed breed(dog) or 2 year old female domestic shorthair cat with a $200 deductible and 90% reimbursement level Dogs, Cats Monthly Incident None Actual Veterinary Charges 30 Days
Next day after enrollment 8 Weeks 14 Years 30 Days 5 Days Unknown Both In-State & Out of State, Plus Canada and Puerto Rico No 90% No Limits No Limits no limits
Yes No Yes No Add-on Yes No No Add-on
Yes Phone, Email, Benefits/Statements Online
A 2 year old mixed breed female dog from Minnesota or a 2 year old female domestic short-haired cat from Minnesota with a $250 deductible, 80% reimbursement level. Dogs, Cats Monthly, Quarterly, Semi-Annually, Annually Annual 10% ~ 30 Days
1st and 15th of the Month (after payment) None None 14 Days None 6 - 12 Months Both In-State & Out of State, Plus Canada No $100, $250, $500 70%, 80%, 90% $5,000, $10,000, $15,000, $20,000, No Limits no limits
Yes Add-on Yes Add-on No Yes Wellness Add-on with $ Limit Yes Yes
Yes Phone, Email, Benefits/Statements Online
2 year old female mixed breed dog or domestic short-hair cat from Minnesota with a $200 deductible, 80% reimbursement level, $2,500 per incident limit, and $8,000 annual limit Dogs, Cats Monthly, Annually Annual 5% Reasonable and Customary Charge Limits 30 Days
12:01am the day after enrollment 8 Weeks for Dogs, 10 Weeks for Cats After 9 Years no Illness Coverage 14 Days 3 Days 6 - 12 Months Both In-State & Out of State, Plus Canada No $100, $125, $150, $175, $200, $225, $250, $500, $1000 80% $1,500, $2,000, $2,500, $3,000, $5,000, $8,000 $3,000, $4,000, $5,000, $6,000, $7,000, $8,000, $9,000, $10,000, $14,000, $15,000, $16,000 no limits
Add-on Add-on Yes Add-on No No Wellness Add-on with $ Limit Add-on No
No Phone, Email, Benefits/Statements Online
2 year old mixed breed from Minnesota with a $250 deductible and 90% remimbursement and unlimited annual limit Dogs, Cats, Birds, Exotic Animals Annually Annual 5% for 2nd pet and 10% for 3rd and subsequent Actual Veterinary Charges 30 Days
Day after application is approved and payment received 6 Weeks 10 Years for New Customers - No limit for existing customers 14 Days 14 Days 12 Months Both In-State & Out of State No $250 90% Dependent on Plan Selected No Limits no limits
Yes - if not pre-existing condition Yes Yes Yes Yes Yes Yes Yes Yes
Yes Phone, Email, Benefits/Statements Online
2 year old male mixed breed with a $250 deductible, and 80% reimbursement level Dogs, Cats Monthly, Annually Annual 10% Actual Veterinary Charges 30 Days
Day after enrollment 8 Weeks 12 Years Dogs, 14 Years Cats - New Customers 14 Days 1 Day Unknown Both In-State & Out of State No $100, $250, $500 70%, 80%, 90% No Limits $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, $15,000, $20,000, No Limits no limits
Premium Plan Only Add-on Yes Add-on No Premium Plan Only Wellness Add-on with $ Limit Yes Yes
Yes Phone, Email, Benefits/Statements Online
2 year old mixed breed with a $100 deductible, 80% reimbursement level, and $10,000 annual limit (dogs) and 2 year old domestic short hair male with a $100 deductible, 80% reimbursement level, and $10,000 annual limit (cats) Dogs, Cats Monthly Annual 10% for 3 or More Pets Actual Veterinary Charges None
12:01am the day after enrollment 8 Weeks 10 Years Dogs, 12 Years Cats - New Customers 30 Days for Essential, 14 Days all Other 1 Day Unknown Both In-State & Out of State, Plus Canada Yes $100, $250, $500, $1000 80% No Limits $1,500, $3,000, $5,000, $10,000, $20,000 no limits
Unknown/Vague Add-on Yes Add-on No Yes Wellness Add-on with $ Limit Yes Yes
Yes Phone, Live Chat, Benefits/Statements Online
