Pet Health Insurance

Healthy Paws

Healthy Paws is majority owned by Aon Corporation. The Pet Health Insurance policy starts almost immediately – 15 days after you sign up.  The only exception however being a 12 month waiting period to cover hip dysplasia. It does not cover routine care.  In addition will not pay for vet exams or pre-existing conditions.

  • What they include:
    Unlimited lifetime benefits and annual deductible.
  • Also free mobile app and no claim forms.
  • Customises your reimbursement and deductible levels to fit your budget.
  • Furthermore, covers all accidents and illnesses without restrictions for hereditary or congenital conditions.
  • Their covered services include advanced testing, surgeries, hospital stays and prescription medications.
  • In addition they also cover alternative and emergency care.


PetPlan Pet Health Insurance is licensed in all 50 states and the District of Columbia. Furthermore, they reimburse you the cost of your vet bill (minus your deductible, up to the policy limit you selected).
Deductibles are per condition, per year. That means that if you file claims for multiple unrelated conditions in a year, you will pay your deductible twice. It will also reset each year at renewal.
It does not however cover routine care and will not pay for pre-existing conditions. Waiting period: Only one day for injuries and 14 days for illnesses.

What is included:

  • Choice of $50, $100 or $200 deductible.
  • 100%, 90% and 80% reimbursement option
  • Covers all accidents and illnesses without restrictions for hereditary or congenital conditions.

  • Covers medications, advanced testing and hospital stays.
  • Policy limits range from $10, 000 to $22, 000.

Embrace Pet Insurance

Embrace Pet Health Insurance offers insurance plans for puppies, dogs, kittens and cats. Furthermore their optional wellness plan can be used to pay for your routine checkups.  Also a spay/neuter surgery (up to a maximum of $200 or $400 per year). Embrace Pet health insurance has age limitations on their policies. If your dog or cat is 6 or older you might not be eligible for coverage.  However once covered, your coverage is for life. They also offer drug coverage as an add-on.

What is included:

  • They cover accidents, illness, genetic and even chronic conditions. They offer wellness plans that will cover routine care or even spay/neuter surgery up to an annual maximum (either $200 or $400).
  • In addition, maximum payouts from $5, 000

Trupanion Pet Insurance

Trupanion will cover up to 90% of your actual bill. They reimburse medications, tests and even trips to the hospital. This is a  medium-sized company that offers unlimited benefits.  Animals that have not been spayed or neutered within the first year are covered as breeding animals which costs more.

What is included:

  • Deductibles range from $0 – $1000.
  • Their deductible is also per condition which is good for chronic issues as your pet ages.
  • They will cover up to 90% of the actual vet bill.
  • Covers actual vet bills for accidents, illness and genetic conditions.
  • Covers medications, advanced testing and hospital stays.
  • No restrictions or caps on payout amount.

Pet First Pet Insurance

If you go with Pet First, Lifetime Accident and Illness plans are recommended for optimal coverage. These plan options will cover chronic, hereditary and breed-specific conditions, including hip dysplasia and patella luxations (also known as floating kneecaps), if diagnosed while on the policy and will continue to be covered as long as the policy is in existence. Pet First offers two pet insurance plans which are designed to be straightforward. They offer discounts for pet owners with multiple pets and they will allow you to choose any vet you like without pre-approval.

What is included:

  • Easy to customise policies for dogs and cats. The premium is predictable and therefore easy to ensure coverage of the unexpected.
  • Reimbursement from 70-90%
  • Annual policy limits of $5, 000, $10, 000 and $20, 000 reset each year however, upon renewal.


On pet insurance review sites, VPI has some of the lowest reviews. One of the disadvantages is while you have to pay the Vet the total amount he/she charges. VPI will reimburse you according to their “schedule”, which could therefore leave you with added out of pocket expenses.

What is included:

Coverage for accidents, illnesses and hereditary issues on a sliding scale. You pay more for the coverage you should be getting.
Annual benefits limited to $14k/yr

Pet Partners

Pet Partners is a good brand of pet health insurance with an A+BBB ranking. They are affiliated with the AKC (American Kennel Club) which is good, but they have some coverage limitations and will not cover some conditions.

What is included:

  • 90% reimbursement.
  • In addition, an annual deductible of $100.
  • You may visit the vet of your choice.
  • Pet Partners allows you to select your payout limits with a maximum of $10k/yr.


ASPCA pet insurance is a well known brand in the US but they have a very low per-condition payout. If your pet’s surgery or unexpected bill is greater $3000 you will not be reimbursed, unless you get one of their two most expensive plans. Reimbursement is on a benefit scale (not actual bill).

What is included:

  • 90% reimbursement
  • Annual deductible of $100.
  • Visit the vet of your choice.

Pet Premium

Although Pet Premium is a new company in the US, they offer the same coverage as another provider that has been a strong brand in the US for years, namely ASPCA.

Both pet health insurance companies provide policyholders with the same coverage levels. Pet Premium, however, although still new, has been well received. They have per-condition limits. If surgery or an unexpected emergency bill is greater than $3500 you will however have to pay the difference.

What is included:

  • 90% reimbursement
  • In addition, a low annual deductible of $100
  • Furthermore, you may visit the vet of your choice.