Compare Pet Insurance

Compare the Top 3 Pet Insurance Plans Side by Side

Product Features Embrace
Embrace Pet Insurance
Healthy Paws
Healthy Paws Logo
Pets Best Insurance
Pets Best Logo
What are the monthly premiums?
Can you choose your own licensed veterinarian?




Usually, deductibles are per incident.

$100, $200 or $500
Annual Deductible

$100, $250 or $500
Annual Deductible

$75, $100 or $300

Does it pay based on the actual vet bill?
Some companies will only reimburse " allowable" veterinary expenses. In other words, they set the price.
Yes Yes Yes
Reimbursement % Choose from 90%, 80%, or 65% 70%, 80% or 90% 80%
Waiting Period 14 days for accidents and illnesses and 6 months for cruciate injury coverage 15 days for accidents & illnesses
12 months for hip dysplasia
3 days for accidents, 14 days for illness
Discount for multiple pets Yes No Yes 7%-15%
Is alternative medicine covered? Yes, accupuncture, hydrotherapy No Yes, accupunture and holistic treatments are covered
Does it cover prescription medication? Yes (optional) Yes Yes
Select Breed restrictions?
No restrictions. Embrace covers breed specific conditions No restrictions Pregnancy coverage excluded for some breeds
Are pre-existing conditions covered? No No No
Are specialist and emergency care covered? Yes Yes Yes
Does it cover hereditary or congential conditions Yes Yes Limited coverage
Are there annual limits on claims? Yes. You get to choose the amount of the annual limit. No limits per year, per claim, per illness, per procedure or per condition. No
Does it cover routine and wellness care? Yes, at extra cost No Yes depending on plan
Does it cover chronic and recurring conditions? Yes, but must add Continuing Care coverage to policy Yes Yes
Does it cover dental care? Only dental diseases, if dental coverage added to policy No, but it will cover extractions if injury due to an accident. Yes, if Wellness Plan chosen. Does not cover dental illness
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Pet Insurance Comparison Overview


Embrace Pet Insurance-----------Embrace Pet Health Insurance


Customizable policies -- Signing up for pet health insurance is like adding features to your shopping cart
Sign up interface is intuitive and user friendly
You can choose your own vet as long as he/she is certified
Deductible is applied annually, not per incident as with most pet health insurance plans
Covers dental illness. Most plans cover dental accidents but not dental illness such as gingivitis and periodontitis
Routine and wellness care is offered
Covers genetic & breed-specific conditions. Learn more about it here
30 day money back guarantee

X Some procedures and conditions require pre-certification. Although it is not mandatory it is highly recommended
X Continuing care costs extra and there is a cap of 25% of the policy's maximum for continuing care
X There are age limitations on illness coverage (If your pet is a certain age, they will only offer accident insurance)

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Pets Best Logo-------Pets Best Insurance

No annual limits. Per incident limits apply
Offers accident only insurance. Saves you money Cat
After-hours emergency visits are covered
Pet recovery service available
Wellness plan available
You enroll your dog or cat as early as 7 weeks of age. No other age limitation


X Does not cover dental illness
X Hereditary conditions coverage is very limited. From $100
to $300 lifetime coverage depending on policy chosen

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Healthy Paws Insurance Logo-----------Healthy Paws Pet Insurance

Deductibles are applied on an annual basis
Allows you to choose deductible and co-payment amount
Quick reimbursment
Accepts pets of any age.
Pets are accepted for life.


X Does not cover any alternative therapy such as holistic medicine, herbal, homeopathy, acupuncture,
chiropractic treatments..

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Disclaimer: We have done our best to provide you with the latest and most accurate information on these pet health insurance companies. Please note that rates and terms are subject to change. Click on the various pet insurance company names to be directed to their website. The owner(s) of this website may be compensated through commissions from the various insurance companies featured on this website.

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According to the APPMA (American Pet Products Manufacturer's Association) the basic overall expenses for a dog owner are as follows:

  • Surgical Vet Visits $453
  • Food $217
  • Kennel Boarding $225
  • Routine Vet $219
  • Groomer/Grooming Aids $127
  • Vitamins $77
  • Treats $66
  • Toys $41

Looking at these numbers, the one that stands out is the cost of health care. Imagine then what the costs would be if your dog suffers a serious injury from an accident or a catastrophic illness that might require surgery and hospitalization. Unfortunately, most pet owners will incur the expense whether they can afford it or not because we love our pets and they are considered part of the family.

This is the reason why pet health insurance is now becoming mainstream and more pet owners are looking into purchasing some sort of insurance plan for their cats and dogs.

Although pet health insurance is not the perfect solution, it certainly provides peace of mind in extreme cases where health care expenses could become a financial burden.

Pet health insurance has been around for some time and it was once thought it was only for the very rich but many insurers are now offering pet plans and prices have become more competitive.

As with human health insurance, pet health insurance has monthly or annual premiums, deductibles, even co-payments and these may vary depending upon the health of the insured, and the different coverage plans that are often available. Keep in mind that different dog breeds have a direct effect on the cost of premiums since certain breeds are prone to chronic diseases.

Comprehensive pet health insurance plans may or may not cover the costs of annual checkups, vaccinations, routine care and preventive medications, and spay/neuter surgeries.