Below is an alphabetical list of companies that provide pet insurance. The list may
not be complete and is intended to provide basic information and links to help you
investigate and decide if pet insurance is right for your pet.
We do not endorse or recommend any one provider over others.
About Pet Health Insurance -
Pet insurance can help by offsetting some or most of the costs of diagnosing, treating
and managing your pet's illness or injury. But pet insurance isn't for everyone,
and there's no magic formula that will tell you if it's right for you and your pet.
If you're considering pet insurance, here are some basic considerations:
Regardless of the insurance provider, your veterinarian should be monitoring the
health of your pet as part of a valid Veterinary-Client-Patient Relationship
The insurance provider should clearly spell out to you the details, including the
limitations and exclusions, of coverage for routine and/or wellness care as well
as emergency treatments and conditions that require extensive care. Find out how
your premiums will be increased as your pet ages or if you make any claims.
See if they have add-on options to provide any specific coverage (e.g., dental care,
travel insurance, etc.) you may want.
Find out how they define and handle pre-existing conditions (diseases or conditions
your pet already has – or has had – prior to purchasing the insurance plan).
In some cases, insurance providers will not insure a specific pet or breed of pet,
or may limit the number of pets you can insure, if they consider them "high risk."
Some providers will give multiple pet discounts.
All of the charges, including co-pays, deductibles, add-on charges and other fees,
should be clearly explained to you so you fully understand the policy and its limitations.
You should be allowed to choose the veterinarian who will provide your veterinary
Pet insurance plans are generally reimbursement plans – you pay the bills up front
and are reimbursed by the insurance provider. Ask the insurance provider how claims
are processed as well as the timeframe for reimbursement of your expenses so you
know what to expect.