Pet insurance prices and terms differ between providers, so the useful question is not “which is best?” but “which fits my pet and budget?” This page lists what to compare and links to the guides on this site that explain each piece. NAPHIA reports that the average U.S. accident-and-illness premium in 2025 was $836 a year for dogs and $435 for cats (NAPHIA, State of the Industry 2026); individual quotes vary with species, breed, age, location, and plan.
Four Things to Compare in Any Policy
| Factor | What to check |
|---|---|
| Price | Premium at the same deductible and reimbursement rate, and how rates change with age |
| Coverage | Accident vs. illness, hereditary and chronic conditions, dental, annual payout limit |
| Exclusions | Pre-existing conditions, waiting periods, bilateral conditions |
| Reputation | Claims speed and complaint patterns, not just star ratings |
Always read the sample policy document and request quotes at matching coverage levels from each insurer you consider.
Guides to Read Next
- Average premiums 2021–2025 — five years of NAPHIA data by species and plan type.
- Waiting periods by insurer — terms confirmed on official pages, with sources.
- Pet insurance laws by state — where the NAIC model act applies.
- What pet insurance costs on average — industry data and what drives a quote.
- Pre-existing conditions — what counts and what options remain.
- Waiting periods — when coverage actually starts.
- Common exclusions — what policies typically leave out.
- Reading reviews and complaints — how to judge an insurer beyond its star rating.
- Alternatives to insurance — savings accounts, wellness plans, and medical credit.
These guides are general information, not insurance, financial, or veterinary advice. Premiums, coverage, and exclusions vary by provider, location, and pet and change over time, so confirm current terms with the insurer before enrolling.