There are many reasons why you might choose to insure your pet. According to a NAPHIA survey (Source: NAPHIA Research Report 2016), the most common reasons pet insurance was purchased:

  • Is helpful to pet owners (59%)
  • Shows you love your pet (55%)
  • Shows you are a responsible pet owner (53%)
  • Provides a sense of security (49%)
  • Is a good investment (48%)
  • Helps avoid the need to make painful choices about care (42%)


Which plan is right for you? A basic policy will cover accidents only. This includes burns, lacerations, and more. But you may want a more robust pet insurance plan will cover accidents and illnesses. You can also elect to include coverages for other things such as:

  • Overall Wellness – a policy can cover routine services, like annual exams, vaccines, and heartworm and flea prevention. This may also include spaying or neutering and microchipping your pet.
  • Congenital/hereditary issues – inherited conditions or birth defects are present in many animals, like hip dysplasia, luxating patella, or cherry eye.
  • Behavioral issues – if your pet exhibits unwanted behavior, your plan could help cover diagnosis and treatment.

As you look into different plan options, you should keep in mind the health issues your pet might face in the future.



The cost of pet insurance varies by provider, but it is typically based on several factors including:

  • Pet breed and age – older pets or breeds at risk for certain health issues may need more care and thus may come with a higher premium.
  • Location – vet service rates vary in different areas so your zip code will be needed to quote.
  • Policy type – you can choose between accident-only or comprehensive coverage.
  • Our partners let you customize your coverage by choosing things like your annual limit, deductible, and reimbursement percentage. If you select a lower annual limit, higher deductible, or lower reimbursement percentage, you can find a plan to fit any budget.