Pet Insurance

A customizable safety net for your pet’s health—because peace of mind shouldn’t come with surprises.

Frequently Asked Questions About Pet Insurance

Pet insurance pays, partly or in total, for veterinary treatment of the insured person’s ill or injured pet. Some policies will also pay out if the pet dies, or if it is lost or stolen.

As veterinary medicine increasingly uses advanced and costly techniques and drugs—and as pet owners have higher expectations for their pets’ health care and standard of living—the demand for pet insurance has grown. Insurance can offer significant peace of mind and access to high-quality treatments like surgery, regenerative therapies, and advanced diagnostics.

Yes. Many pet insurance companies now allow owners to customize their coverage by choosing their deductible or co-insurance levels. This helps control the monthly premium and lets owners select a coverage level that best suits their needs.

  • Whether congenital and hereditary conditions (like hip dysplasia, heart defects, eye cataracts, or diabetes) are covered
  • How reimbursement is calculated (based on the actual vet bill, a benefit schedule, or usual and customary rates)
  • Whether the deductible is per incident or on an annual basis
  • Whether any limits or caps are applied (per incident, per year, by age, or over the pet’s lifetime)
  • Whether there is an annual contract that treats conditions diagnosed in a previous year as pre-existing the next year

Please note: Like with human health insurance, most pet insurance providers will not cover treatments for conditions that were present before your plan started. We recommend insuring your pet early to ensure broad coverage.

Pet Insurance Comparison Table

Provider Best For Phone Website
Figo Short accident coverage waiting period
(offered via Costco)		 1-855-738-3446 figopetinsurance.com
Trupanion Lowest out-of-pocket claims cost 1-855-591-3103 trupanion.com
Lemonade Best price for kittens and puppies 1-844-733-8666 lemonade.com
Paw Protect Pays covered vet bills instantly 1-888-812-6704 pawprotect.com
Pumpkin Great for senior cats and dogs 1-866-273-6369 pumpkin.care
Embrace Superior benefits 1-800-511-9172 embracepetinsurance.com
Spot Annual coverage choices 1-800-905-1595 spotpetins.com
ManyPets Unlimited annual coverage at low cost 1-888-978-5291 manypets.com
Pets Best Flexible deductible choices 1-877-738-7237 petsbest.com