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Feature Comparison

Our comparison chart of the best pet insurance companies looks at all of the factors that are important to pet owners. You can see how the companies compare in different categories to make sure you buy the protection that your pet needs.

Compare Top Pet 5 Pet Insurance

Score

9.8
9.5
9.2
8.9

Coverage

4.8/5
4.5/5
4/5
4.5/5

Benefit Limits

4.9/5
4.5/5
4/5
4/5

Deductibles

4.8/5
4.3/5
4/5
4/5

Reimbursement

4.7/5
4.2/5
4/5
4/5

Claims and Service

4.8/5
4.4/5
4/5
4/5

Pricing

4.9/5
4.6/5
4/5
4.5/5

Enrollment

4.9/5
4.4/5
4/5
4.2/5

Pricing

Dogs

$16–$25
$25-$60 / month (depends on dog’s profile)
$16 – $60 / month (depends on dog’s profile and coverage)
$40-$50 / month (depends on dog’s profile)

Cats

$10–$20
$20-$45 / month (depends on cat’s profile)
$14 – $40 / month (depends on cat’s profile and coverage)
$25-$50 / month (depends on cat’s profile)

Enrollment

Minimum Age

Not Listed
8 weeks old
Recommends 8 weeks age
6 weeks old

Max Age

14 years old
14 years old
No upper age limit
15 years (accident and illness plan); more than 15 years (accident plan only)

Accident Waiting Period

2 days
15 days
14 days
48-hours

Illness Waiting Period

14 days
15 days
14 days
14 days

Free Look Period

30 days
30 days (if no claims have been filed, not available in New York and South Carolina)
30 days
30 days (if no claims have been filed)

Medical Conditions Coverage

Accidental

Illness

Hereditary

Congenital

Cancer

Chronic

Accidental Dental

Yes (with conditions)
Yes (with conditions)

Dental Illness

Yes (with conditions)

Medical Treatments Covered

Diagnostic Testing

Surgery

Hospitalization

Prescription Medications

Emergency Care

Specialty Care

Alternative Treatment

Behavioral Therapy

Prosthetics and Mobility Aids

Not listed
Mobility aids (braces, slings, wheelchairs, booties/toe grips, etc.) are eligible for coverage. Prosthetics and stairs are not.
No info

Other

Wellness Package

Add-on
Add-on
Add-on

Score

9.8

Coverage

4.8/5

Benefit Limits

4.9/5

Deductibles

4.8/5

Reimbursement

4.7/5

Claims and Service

4.8/5

Pricing

4.9/5

Enrollment

4.9/5

Pricing

Dogs

$16–$25

Cats

$10–$20

Enrollment

Minimum Age

Not Listed

Max Age

14 years old

Accident Waiting Period

2 days

Illness Waiting Period

14 days

Free Look Period

30 days

Medical Conditions Coverage

Accidental

Illness

Hereditary

Congenital

Cancer

Chronic

Accidental Dental

Yes (with conditions)

Dental Illness

Yes (with conditions)

Medical Treatments Covered

Diagnostic Testing

Surgery

Hospitalization

Prescription Medications

Emergency Care

Specialty Care

Alternative Treatment

Behavioral Therapy

Prosthetics and Mobility Aids

Not listed

Other

Wellness Package

Add-on

Score

9.5

Coverage

5/5

Benefit Limits

4.9/5

Deductibles

4.8/5

Reimbursement

4.7/5

Claims and Service

4.5/5

Pricing

4.5/5

Enrollment

4/5

Pricing

Dogs

$50-$80 / month (varies by location and dog’s profile)

Cats

$30-$50 / month (varies by location and cat’s profile)

Enrollment

Minimum Age

8 weeks old

Max Age

No upper age limit

Accident Waiting Period

14 days

Illness Waiting Period

14 days

Free Look Period

30 days (​​only if no covered claims have been filed, not available in NY)

Medical Conditions Coverage

Accidental

Illness

Hereditary

Congenital

Cancer

Chronic

Accidental Dental

Dental Illness

Medical Treatments Covered

Diagnostic Testing

Surgery

Hospitalization

Prescription Medications

Emergency Care

Specialty Care

Alternative Care

Behavioral Therapy

Prosthetics and Mobility Aids

Other

Wellness Package

Add-on

Score

9.2

Coverage

4.5/5

Benefit Limits

4.5/5

Deductibles

4.3/5

Reimbursement

4.2/5

Claims and Service:

4.4/5

Pricing

4.6/5

Enrollment

4.4/5

Pricing

Dogs

$16

Cats

$16

Enrollment

Minimum Age

Unlimited

Max Age

Unlimited

Accident Waiting Period

14 days

Illness Waiting Period

14 days

Free Look Period

30 days

Medical Conditions Coverage

Accidental

Illness

Hereditary

Congenital

Cancer

Chronic

Accidental Dental

Dental Illness

Medical Treatments Covered

Diagnostic Testing

Surgery

Hospitalization

Prescription Medications

Emergency Care

Specialty Care

Alternative Care

Behavioral Therapy

Prosthetics and Mobility Aids

Other

Wellness Package

Score

9.5

Coverage

4/5

Benefit Limits

4/5

Deductibles

4/5

Reimbursement

4/5

Claims and Service:

4/5

Pricing

4/5

Enrollment

4/5

Pricing

Dogs

$25-$60 / month (depends on dog’s profile)

Cats

$20-$45 / month (depends on cat’s profile)

Enrollment

Minimum Age

8 weeks old

Max Age

14 years old

Accident Waiting Period

15 days

Illness Waiting Period

15 days

Free Look Period

30 days (if no claims have been filed, not available in New York and South Carolina)

Medical Conditions Coverage

Accidental

Illness

Hereditary

Congenital

Cancer

Chronic

Accidental Dental

Yes (with conditions)

Dental Illness

Medical Treatments Covered

Diagnostic Testing

Surgery

Hospitalization

Prescription Medications

Emergency Care

Specialty Care

Alternative Care

Behavioral Therapy

Prosthetics and Mobility Aids

Mobility aids (braces, slings, wheelchairs, booties/toe grips, etc.) are eligible for coverage. Prosthetics and stairs are not.

Other

Wellness Package

Score

9.2

Coverage

4.5/5

Benefit Limits

4/5

Deductibles

4/5

Reimbursement

4/5

Claims and Service:

4/5

Pricing

4.5/5

Enrollment

4.2/5

Pricing

Dogs

$16 - $60 / month (depends on dog’s profile and coverage)

Cats

$40 / month (depends on cat’s profile and coverage)

Enrollment

Minimum Age

Recommends 8 weeks age

Max Age

No upper age limit

Accident Waiting Period

14 days

Illness Waiting Period

14 days

Free Look Period

30 days

Medical Conditions Coverage

Accidental

Illness

Hereditary

Congenital

Cancer

Chronic

Accidental Dental

Dental Illness

Medical Treatments Covered

Diagnostic Testing

Surgery

Hospitalization

Prescription Medications

Emergency Care

Specialty Care

Alternative Care

Behavioral Therapy

Prosthetics and Mobility Aids

No info

Other

Wellness Package

Add-on

Score

8.9

Coverage

4.5/5

Benefit Limits

4.5/5

Deductibles

4.3/5

Reimbursement

4.2/5

Claims and Service

4.4/5

Pricing

4.6/5

Enrollment

4.4/5

Pricing

Dogs

$40-$50 / month (depends on dog’s profile)

Cats

$25-$50 / month (depends on cat’s profile)

Enrollment

Minimum Age

6 weeks old

Max Age

15 years (accident and illness plan); more than 15 years (accident plan only)

Accident Waiting Period

48-hours

Illness Waiting Period

14 days

Free Look Period

30 days (if no claims have been filed)

Medical Conditions Coverage

Accidental

Illness

Hereditary

Congenital

Cancer

Chronic

Accidental Dental

Dental Illness

Medical Treatments Covered

Diagnostic Testing

Surgery

Hospitalization

Prescription Medications

Emergency Care

Specialty Care

Alternative Care

Behavioral Therapy

Prosthetics and Mobility Aids

Other

Wellness Package

Add-on

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