Protect your pet from unexpected vet bills. Compare dog and cat insurance plans from top providers — from $20/month.
📅 Last updated: June 2026 — Premiums vary by pet species, breed, age, and location. Always compare multiple providers before purchasing.
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Premium estimates are for illustrative purposes. Your actual cost depends on your pet's species, breed, age, location, and chosen coverage level and deductible.
Most plans cover emergency vet visits, surgeries, hospitalizations, diagnostics, and prescription medications.
Top providers reimburse up to 90% of covered vet bills, so you only pay a fraction of the cost after a claim.
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All major pet insurance providers cover dogs and cats. Some also cover exotic pets including birds, rabbits, and reptiles.
Most pet insurance plans cover accidents and illnesses, including emergency vet visits, surgeries, hospitalizations, diagnostic tests, and prescription medications. Comprehensive plans may also cover hereditary conditions, chronic diseases, and specialty care. Wellness add-ons can cover routine care like annual exams, vaccines, and dental cleanings. Coverage varies significantly by provider and plan tier.
Pet insurance costs vary by pet species, breed, age, location, and coverage level. For dogs, expect to pay $30–$70/month for accident and illness coverage. Cats are typically cheaper at $15–$40/month. Premiums increase as your pet ages. The average pet insurance premium in 2025 was around $56/month for dogs and $32/month for cats, according to the North American Pet Health Insurance Association.
Pet insurance is worth it if your pet is young and healthy (lower premiums), you have a breed prone to expensive conditions, or you want protection against catastrophic vet bills. The average emergency vet visit costs $1,500–$3,000, and treating conditions like cancer, orthopedic issues, or organ failure can run $5,000–$15,000 or more. A $50/month policy that covers 90% of a $10,000 surgery saves you $8,400 after premiums.
Most pet insurance plans exclude pre-existing conditions (illnesses or injuries that occurred before coverage started), cosmetic procedures, elective surgeries, breeding costs, and dental disease that was present before enrollment. Some plans also exclude certain hereditary conditions for specific breeds. Always review the policy exclusions carefully before purchasing.
The best time to enroll is when your pet is young and healthy — typically as a puppy or kitten. Premiums are lower for younger pets, and any conditions that develop after enrollment are covered (not excluded as pre-existing). Waiting until your pet is older or sick means higher premiums and the risk that existing conditions will be permanently excluded.