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We take into account a variety of factors to pair you with your match. We've worked relentlessly to research all the top insurance providers and devise a matchmaking system that finds the company (or companies) most likely to give you the best rate based on your selections. Unlike other quoting tools, that collect your data and spam you with calls, emails and mail, we don't need any form of personal information, such as Name, Phone, Email, or Address, to pair you with your match.

Pet insurance quotes

How Much Can You Save?

Protecting your furry (or scaly) friends with pet insurance is a smart idea. But is it affordable? According to our comprehensive analysis of pet insurance policies, the average cost of accident and illness pet insurance for dogs in the U.S. is $585 a year, while the average cost of accident and illness pet insurance for cats in the U.S. is $350. The surprising thing, though, is just how much money you can save by shopping around for better policies. Pet owners who didn’t have brand loyalty and who compared multiple pet insurance quotes from other companies are able to save an average of $100 a year - fur-real! Pet insurance quotes will be different depending on the type of animal you’re looking to insure. Further, insurance companies will take your pet’s age and health record into consideration when generating your quote. Typically, dogs are around 60% more expensive to insure than cats. The bigger and older your pet is, the more expensive their pet insurance will be. You’ll also want to consider whether or not your pet needs both accident and illness insurance, or just accident insurance. The difference is usually around $30 per month.

Why Should You Get Pet Insurance?

Many animal lovers purchase pet insurance to help offset the cost of having a four-legged friend. Pet insurance works similarly to human health insurance. You pay a monthly premium, and then a deductible on top of that. Once healthcare expenses for your animal exceed the cost of your deductible, then the pet insurance kicks in. Pet insurance is a particularly good idea for pet owners who let their animals spend extended periods of time outdoors, as the likelihood of injury increases substantially the more often your pet is outside.

  • It Covers Accident-Related Expenses
    Everyone loves their pets, but we all know they can be rambunctious. Having accident pet insurance helps cover the cost of treatment should your dog or cat suffer an accident-related injury, like getting hit by a car or breaking a leg.
  • It Helps With Illnesses
    If your pet falls ill, illness pet insurance will help pay for their medical bills. Things like cancer or heartworm that require multiple surgeries and extended monitoring can become quite costly. Illness pet insurance will keep these costs down. Illness insurance isn’t typically included in base pet insurance policies, however, so it’s important to remember to purchase an accident & illness policy if you are interested in this type of coverage.

Factors That Affect Pet Insurance Rates

A common question about homeowners insurance is what key factors contribute to your pet insurance rates? When it comes to pet insurance, there is no one size fits all solution. Like health insurance for yourself or your family, you can pick and choose the kind of coverage that fits you and your pets' needs and your budget. The cost of health care for pets has continued to rise, and since most pet owners consider their pets to be a part of the family, more and more are looking for ways to help with the costs, and pet insurance is one way to do that. Like with the many kinds of insurance you may buy for yourself, your family, or your business, there are a few important factors that will influence how much you will pay in premiums for your pet insurance. These factors include:

  • Do you have a dog or a cat?
    The premiums for dogs are often higher than for cats because they are larger animals than cats which means higher costs for medications etc. Statistically, there are also more claims submitted for dogs than cats. This is not always the case, though, and there can be situations that insurance for a cat may be higher than for a dog. Some of the other factors listed below will have an impact on your pet insurance premium.
  • Your pets breed
    Your pet’s breed is one of the most important factors that can affect your premiums. This is because certain breeds of animals have a higher predisposition to genetic health conditions. For example, Rottweilers and Shepherds have a much higher chance of needing surgery for things like cruciate injuries and hip dysplasia than Shi-Tzus and Cocker Spaniels might. This increased risk of illnesses or injuries puts certain breeds in higher-risk categories, which means higher premiums.
  • Gender
    Looking at their historical claims data, pet insurance companies determined that more claims are received for male pets than female pets. This results in higher pet insurance premiums for male pets and lower premiums for female pets.
  • Age
    As you would expect, the insurance premiums you pay for your pet will increase the older they get. As is the case with humans, as pets get older, they are more likely to get sick or injured, so the premiums for pet insurance reflect the increased risk as they age. Some pet insurance policies decrease the benefits as your pet ages, so if that is a concern, you may want to look for a policy that won’t reduce your pet’s coverage as they age.
  • Location
    Where you live will have an impact on the premiums you pay for your pet insurance. If you live in an urban area, your premiums will likely be higher than if you live in a suburban or rural area. You may be able to find more technologically advanced treatments in a big city, but that can come at a cost.
  • Policy design
    Like most insurance, the one factor that has probably the most impact on your premiums is the actual plan design you select. This includes things like your deductible, copays, and coinsurance. For pet insurance, there may also be an annual maximum as well. You may also be able to add riders or optional coverage that cover things not included in the base policy. All of these things will have an impact on the premiums you will pay.

Our free quote tool takes many of these factors into consideration when getting you the best rate on your pet insurance.

Common Pet Insurance Questions

Does Lifetime Pet Insurance Exist?



You've heard of temporary coverage for your furry friend, but is there such a thing as lifetime pet insurance? As a matter of fact, there is! With the most comprehensive coverage of its kind available, lifetime pet insurance can provide your pet with extensive care for the entire length of its life. This gives you extra peace of mind while helping ensure your dog or cat lives the healthiest life possible. And with our free quote tool, you can easily find a lifetime pet insurance that meets your needs both in terms of coverage and price. It's simple to compare the policy offerings from some of the industry's top providers, so you can find which best fits you and your pet's needs.

Does Pet Insurance Cover Surgery?



Does pet insurance cover surgery? Yes! Many comprehensive pet insurances cover surgery. However, as you'll come to know with insurance, it all depends on the specific coverage of the policy you choose. In general, insurance providers won't extend coverage to surgeries if the root cause is considered to be a preexisting condition. Furthermore, some pet insurances go as far as to withhold treatment altogether for surgeries related to certain conditions such as kidney failure or cancer. In order to find the pet insurance you need that covers surgery, use our handy quote tool. It's completely free to use and provides you with a variety of pet insurance options from some of the top providers. You can choose the best depending on your needs and budget.

Does Pet Insurance Cover Neutering?



As the most common surgical intervention for pets, many owners rightfully wonder, "does pet insurance cover neutering?" You'll be pleased to know that the answer is yes! There are many preventive care options that cover neutering and spaying - a procedure that gives your pets a variety of health benefits. Furthermore, some insurance companies even require a pet to undergo this surgery in order to be eligible for coverage. In order to find pet insurance that covers neutering, use our free quote tool. By choosing the filters that correspond with your coverage and budgeting needs, you can filter through some of the best insurance providers to find options that work for you. All pet owners deserve to have comprehensive coverage for their pets, and we make it easier to find.

Does Pet Insurance Cover Dental?



Does pet insurance cover dental? Yes, but it's not that simple. Your standard pet insurance policy isn't going to cover dental, but you might be able to tack it onto the standard coverage for an additional fee. While this is the norm, there are some specialized pet insurance policies that have dental included in the standard coverage. Instead of looking through the fine print of a variety of different policies, you can simplify your search by using our free quote tool. All you have to do is select the search filters based on what you're looking for along with your budget. After making this selection, you'll be met with a wide variety of pet insurance options that cover dental from some of the most reputable names in the industry.

Best Pet Insurance For French Bulldogs?



You love your French bulldog to bits, and you want the best for your furry friend to ensure he or she lives a full and healthy life. One of the greatest ways to achieve this goal is to get an excellent insurance policy. It's important to keep in mind that the best pet insurance for French bulldogs is going to specifically cover the variety of health ailments that uniquely affect this breed. Some common health issues related to French bulldogs include ear and eye infections, intervertebral disc disease, heatstroke, cleft palate, and chronic allergies. Using our free quote tool makes it easy to find the best pet insurance for French bulldogs from some leading providers. You can toggle search filters based on your needs in order to find the best policy for you and your furry friend.

Facts & Questions

You can claim if your pet is diagnosed with an illness or suffering from an accident. You can claim immediately or within the 90 days of the event when you have paid the fee from your pocket. Claiming can pay for the medical bills and vet's cost.

Following things are not covered by pet insurance

  • Vet care procedures
  • Neutering and checkups
  • Vaccination and body parts cleaning
  • Medications for pre-existing conditions

Before acceptance, pet insurance companies assess the health of your pet via medical tests. They can also check the past vet record and health history.

Pet insurance may cover if your pet has curable pre-existing conditions that are acute or for a shorter duration.

It depends on the plan you have included in your policy. For example, to cover vet visits, insurance companies offer preventive care plans to cover routine veterinary visits.

Yes, it is covered by the routine care plans, which are already added or later on, you can add to your pet insurance policy in medical illness and emergency.

The pre-existing conditions that are not covered are the ones that directly affect the life expectancy of a pet and conditions that are incurable—for example, asthma, cancer, diabetes, and pregnancy complications.

Pet Assure is one of the best affordable pet insurances.

No, these are not covered in pet insurance. However, vaccination before insurance does lower insurance premiums.

Here are some recommendations you can opt for before making your choice:

  • Make sure your pet is healthy as it will decrease premiums
  • Examine your pet for any pre-existing conditions
  • Decide your budget and insurance plan
  • Thoroughly read all the ins and out of policies
  • Compare the quotes
  • Make the final decision