Pet Insurance Companies Comparison Guide
We’re here to help you accurately compare pet insurance companies and plans to our trusted offerings so you can pick the coverage that’s best for your dog or cat.
Compare Pet Insurance Companies
Need more information? No difference is too small when completing a pet insurance company comparison that factors in your budget and pet care needs. Explore individual comparison charts to narrow down your top choice.
Compare different pet insurance features
| Plan features |  | Healthy Paws | Nationwide WholePet® | Pets Best | Trupanion |
|---|---|---|---|---|---|
| Waiting periods | 2 Days for Accidents, 14 Days for Illnesses | 15 Days for Accidents & Illnesses |  | 14 Days for Illnesses 3 Days for Accidents | 30 Days for Illnesses 5 Days for Accidents |
| Flexible wellness plan |  | | | Per-item Limits | |
| Dental illness coverage | |  | | Costs Extra | Costs Extra |
| Overall coverage for exam fees | | | | Costs extra | |
| Extra office visits for senior pets | | | | | |
| Hip dysplasia coverage on all Accident & Illness policies | | | | | |
| Preventable condition coverage included | | | | | |
| 24/7 pet telehealth | | | | | |
Things to think about when comparing different pet insurance companies
One pet insurance provider is not necessarily like another, so it’s important to compare companies to find out which one offers what you and your pet need.
Consider these three important variables when deciding on an insurance provider: types of coverage; quality of coverage; and coverage customization.
Types of pet care coverage
Look to see if the provider offers a comprehensive policy including accidents, illness, treatments, dental, vet visit fees, follow-up care, coverage for complementary treatments, and optional preventative care plan. Embrace includes all of these, as well as accident-only coverage and Wellness Rewards – our optional routine care plan.
In addition, compare more than just data and statistics. Look at a company’s reputation and service. Embrace was one of the first pet insurance providers in the country, so we know a lot about trust, commitment, and the bond between pets and their families.
Quality of coverage
Numbers don’t lie and our reputation is backed by great numbers:
We paid 92% of our claims in 2021
We offer up to 90% back on vet bills
Your policy includes free 24/7 Paw Support telehealth
We have 0 networks so you can visit any vet
We offer a 30-day money-back guarantee
You can save 10% with 2 or more pets
And, we are 100% committed to being open, honest, and responsive
Coverage customization
With a comprehensive customizable plan from Embrace, you are in control of your coverage and premium. Pick your annual maximum, annual deductible, and reimbursement percentage to fit your needs and budget.
Find out more! Get answers to some frequently asked questions, or learn more with our handy Pet Insurance Buying Guide.
Compare pet insurance plan benefits and customization options
Make sure you don't have gaps in coverage or benefits—Embrace offers the most options in coverage customization and additional policy perks.
24/7 Pet health line
Did your dog eat something you’re unsure of? Is your cat reluctant to use the litter box? The Pet Pros at PawSupport are available 24/7 to offer guidance on all of your pet's health-related questions.
Exam fee coverage
Many pet insurance companies don’t cover the cost of the exam fee – that’s like having to pay an extra deductible for every claim. Embrace covers the exam fee for all covered accidents and illnesses.
Personalized pet policies
Get the same great nose-to-tail accident and illness insurance no matter how you personalize it. Pick your annual maximum, annual deductible, and reimbursement percentage to fit your needs and budget.
Find the best insurance plan for your exact needs
We understand that you have options when it comes to picking the best pet insurance for your furry friend. That’s why we’ve put together some helpful information to consider in your research journey.
FAQs about deciding between different pet insurance companies
Is my pet covered for life?
Yes. We will never drop your pet or reduce their coverage based on age, health status, or claims you’ve filed. Once you’re signed up, we do not cancel coverage for anything other than non-payment of premium.
Are vet exam fees covered?
Yes. Sometimes just walking into the vet’s office can cost you upwards of $100. Many pet insurance companies do not cover your vet’s exam fee. When a pet insurance company doesn’t cover the exam fee, it’s almost like paying an extra deductible on every single claim you file.
How much coverage do I need?
Only you can decide how much coverage you need. We typically recommend getting the highest coverage that you can comfortably afford.
*Complementary treatments were previously called alternative therapies.