Compare Pet Insurance Plans

Understanding plan types helps you choose the right coverage for your pet. All data based on expert content.

Plan Feature
Accident-Only
Accident & Illness
Comprehensive
Coverage Type Accidents only (fractures, ingestion, lacerations) Accidents + illness (cancer, infections, chronic conditions) Accident + illness + wellness care
Monthly Cost (Dog) $10–$20/mo $20–$50/mo $40–$80/mo
Monthly Cost (Cat) $5–$12/mo $10–$25/mo $20–$45/mo
Annual Deductible $100–$500 $100–$1,000 $100–$2,000
Reimbursement Rate 70–90% 60–90% 50–90%
Annual Limit $5,000–$20,000 $5,000–Unlimited $5,000–Unlimited
Pre-existing Conditions Usually excluded Usually excluded Usually excluded
Waiting Period 1–3 days 1–15 days 1–15 days
Best For Budget-conscious pet owners Most pet owners — best value Complete peace of mind
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