Compare Pet Insurance Plans Here!

Compare Pet Insurance Plans with all the same information and easy to understand terminology.

This page explains all the information on each comparison page so that you know What to watch out for! as well as things you should look for when checking out a pet insurance company. I have used the same chart and information for each company’s page so that it is easy for you to find the answers.

When I went looking for pet insurance, I hated when I looked at many different pet insurance websites and one company would list a bunch of things that they do and don’t cover and another company would list totally different things, and leave out important information. It was impossible to figure out which company covered what I wanted!

…So… there needed to be somewhere to Compare Pet Insurance Plans!

I decided to compare EVERY SINGLE pet insurance company on this site so that it is easy for everyone to compare pet insurance plans.

I used the same template to compare pet insurance plans for each company with the same questions, and same tables. If anything was left out on a company’s policy or website, I would phone the company to ensure that every pet insurance company could be fully compared- even with missing information on their site. This site has the MOST in depth comparisons so you can easily Compare Pet Insurance Plans!

Below, on this page, is the standard format that I used to give Compare Pet Insurance Plans of each company, which are listed by country on these pages here: Canada , USA or UK .

On this page I will explain what each question means overall so that you understand better, as well as what to watch out for. This can change from company to company, but I have tried to use the same Terminology so it is as easy to compare as possible.

This page does not FULLY explain the fine print of any one company. Read the fine print of YOUR policy for exact details.

I hope that all the Pet Insurance Information on this site helps you to make the best decision for your pets health and that you can easily compare pet insurance plans .

If you want to Compare Pet Insurance Plans side by side, click here for: Canada
United States
United Kingdom- (coming soon)
Australia- (coming soon)


Compare Pet Insurance Plans with the
Snapshot Information Chart

PlanAccidents and IllnessDeductible (annual or per incident)Max age limit to sign onLifetime coverPrice per month (or Quote) or ‘Premium’
Plan nameSome plans will only cover accidents. This is the amount that the company will pay. Is either ‘Per year’, ‘Per condition per 12 months ’ or ‘Per condition lifetime’ Click here to understand Lifetime Plans or Terminology .The excess or deductible. Click here to understand Terminology )Some companies may have a maximum age to sign on. IF you sign on before this age, then you pet is usually covered for the rest of it’s life or upto the condition limit.This means that the pet will be covered throughout its life. For example, if your pet has diabetes, you will continue to get coverage for the lifetime of the pet. Generally, ‘per condition’ plans are not lifetime plans.This is the Quote that I got from the company website. Dogs is for a young mongrel/mixed breed puppy (lower price) to a 5 year old Great Dane. The cat quote is for a 1 year old domestic short hair. Cat plans are generally much cheaper and so the range isn’t as great (generally speaking)


Compare Pet Insurance Plans with the:
Detailed coverage Chart

Plan name
Vet fees Accident and IllnessCoverage amount- some plans may only cover accidents, some will cover both accidents or illnesses
Routine CareThis is for such things as vaccinations, annual exam, spay/neuter, heartworm testing and meds, teeth cleaning, tick and flea meds. If your plan covers these things, the monthly price is often much more expensive. Most companies in the UK do not offer this kind of insurance. Some companies in the USA and Canada do.
  
Hereditary ConditionsMake sure that your company covers hereditary conditions. (Link to terminology). Some plans do not. This is an important thing you want to have oncluded in your policy. Pre-existing herititary conditions are never covered, under ANY plan. No company allows pre-existing conditions. Sometimes you can make sure that a pre existing condition is covered if you talk to the company ahead of time and there have been no symptoms for a cerain amount of time.
Hip dysplasiaSome pet insurance plans make it, so that you have to pay extra for hip dysplasia to be covered or your pet has to sign on before a certain age. IF your pets breed is prone to this condition, make sure this is covered.
  
Death or Loss (replacement cost of pet)This is for if your pet dies from an accident (and sometimes illness if under a certain age). The company will pay upto the limit specified (or what your receipt for your pet says or what a breed generally goes for). Sometimes they will also pay this if your pet is lost or stolen.
CremationThis may be covered upto the amount specified.
EuthanasiaThis may be covered upto the amount specified.
  
Boarding (if owner hospitalized)This coverage is for if you go to hospital for a certain amount of time such as 48hrs or 4 days (depending on the company). There is generally a lot of fine print for this, and most often it will say that you must not have known about the illness ahead of time. The owner, not family member must be in hospital etc. Read your plan for further details.
Holiday (trip cancellation)This one also is particular to each company, however the overall idea is that if you have to cancel your vacation due to your pet being sick (sometimes lost) just before you leave or while you are away and you are unable to refund the money in any other way, they’ll reimburse you the money.
Cover AbroadThis coverage allows your pet to go to a vet in a foreign country and have the veterinary treatment covered. For Canada and the USA, often you can travel to each other country. For UK insurance, you can travel to countries on the PETS travel scheme if they offer cover abroad. Watch out for time limits and if you can return to the same residence (sometimes if you’re at one place for too long, they’ll say you reside there…)
Quarantine costsGenerally this is not covered in the cover abroad in Canada and the USA, while this is often covered in the Cover abroad for UK plans.
  
Behavioural problemsUsually this will have to be prescribed by a vet.
Prescription medsUsually this will have to be prescribed by a vet.
Dental (not teeth cleaning)Most plans will not cover teeth cleaning. They will only cover dental problems that arise due to an external accident. Some companies will cover mouth diseases, but you usually have had to had your pets teeth checked within a certain amount of time before the disease aswell as cleaned by a vet.
Alternative treatmentThis is to cover such things such as acupuncture, massage, physiotherapy, hydrotherapy etc. Many companies will only cover a certain amount for alternative treatment, while other companies will cover all. Some companies will cover this, but only if
Breeding, Fertility, PregnancyMost companies do not cover Pregnancy or Birthing related medical situations.
Medical devices (ex. Wheelchair for dog)When I asked the companies, I asked about a wheel chair for a dog… you don’t think to ask this question until you need it!
Lost/Stolen pet adds (with Reward)Some companies will give you money towards finding your pet.
Third party liabilityThis option is only available for UK companies.
(dogs only) 
Accidental Damage (tenant coverage)This is generally found on North American Coverage for damage to apartments.
Grooming and BathingIs not covered by any company.
Pet food, Nutritional supplements, vitamins, natural remediesThese are grouped together, as some may be covered by some plans. Generally these are not covered unless prescribed by a vet.



At the bottom I will explain the coverage a bit more if their site has specific details that are needed. YOU MUST ALWAYS make sure to read the fine print of ANY plan that YOU decide to purchase.






The Helpline section is omitted on North American coverage as it is not included. These 4 helplines are the 4 most common ones that most companies in the UK offer. They are found in a chart, like below so that you can easily compare pet insurance plans for helplines.

Compare Pet Insurance Plans with the:
Insurance Helplines coverage chart.


Plan
Bereavement counsellingIncluded or not
Vet finder 
Pet legal 
Pet minder

Compare Pet Insurance plans and their helplines.


Bereavement counselling- help you deal with death/illness of pet
Vet Finder- help you find local vet if away
Pet legal- to help you with legal advice
Pet minder-help you find a local pet sitter








Compare Pet Insurance Plans with Some Common Questions:



Are Hereditary or Congenital disorders covered?
This is a VERY important question.
This is usually written in the fine, fine print, or you have to phone the company. Go here to better understand Terminology .

What does it mean if Congenital conditions (conditions your pet is born with) are NOT covered? Say, for example your pet was born with a heart problem, but you don’t know about it (thus you think it’s not pre-existing), and then get pet insurance, this won’t be covered cause they would say that it is congenital and so our pet had it before signing on with their plan.
Heriditary conditions are important to cover such as hip dysplasia.

Some companies will consider hereditary pre-existing even if you have never had a diagnosis.

To further your understanding of Terminology .

Make sure to compare pet insurance plans for Hereditary or congenital conditions.



Lifetime insurer (will they cover on going conditions throughout pets life) ?
This is also a very important question that must compare pet insurance plans against each other.

Lifetime coverage means that a condition such as Diabetes, you will get ongoing coverage for medical costs for this problem as your pet ages. Annual plans are usually lifetime plans. Every year the amount will re-new. Some ‘condition plans per lifetime’ could be almost lifetime plans since the ‘per condition’ amount is so high that it’s unlikely that you will meet the maximum.

If you want to understand this more, click Lifetime Pet Insurance



Discounts?
Self explanatory. Usually for multiple pets or if you order online. Sometimes, discounts may be able to be combined.



Any vet or specific vets only? After hours vets or in home vets?
Most companies allow you to go to your regular vet.
Some companies (especially in the UK) allow only limited afterhours or in home vets as these can cost more. I think that the after hours vets are important for coverage, because these are often when you spend a LARGE amount on an emergency. It would suck to get insurance, but only be able to use it during normal working hours…



Can the vet be paid directly?
Usually this has to do with your vet agreeing with being paid by the insurer.



If not, How quickly are claims processed?
Most companies process from a few days to a few weeks. Always remember to provide ALL necessary documentation and have it handed in within the time frame, so that it’s not too late.



Do you cover examination fee (if it relates to the injury or illness) ?
This is not for your annual examination fee.
This is for: Say for example that you go into the vets to find out if your pet ate some poison.
Your dog did eat some poison and needs to be treated. Sometimes the company will only pay for the treatment and not the examination fee, sometimes they will pay the examination fee aswell as the treatment. This is what I mean when I say do they cover the examination fee.

However…
Say your dog did not eat poison and is fine and doesn’t need treatment- usually the examination fee in this case isn’t covered. Check with your company for exact details.



All breeds?
Some companies will cover all breeds. In North America, there may be select breeds that cost more or won’t be covered for certain conditions but they can still get coverage. In the UK, most companies do not cover dogs under the Dangerous dog act.

Make sure that you compare pet insurance plans to see whether your breed is covered.



Dangerous Dog Act?
This only applies to companies in the UK. Most companies do not cover dogs under this act.



Do I stop getting coverage as my dog ages?
This is different than the maximum age to sign on. This means to say that, if your pet signs on as a puppy, is it going to keep getting coverage, even once it gets old. Most companies will cover it throughout it’s life, but may have a minimum age that they need to sign on before.



Does age affect monthly price (as my dog gets older will the monthly premium go up) ?
Generally, the monthly price will go up on a yearly basis upon renewal (not each month).



Do you put the monthly price up every year? By how much?
Generally, the monthly price will go up on a yearly basis upon renewal (not each month). This is determined by a bunch of factors such as age, your postal code/ zip code, breed of dog (and ages that they generally get sick), inflation, local vet fee increases. The monthly amount may go down, but it is unlikely.



Do they serve all of Your Country? Is the monthly amount more depending on where I live?
Some plans will only cover certain provinces or states. This might be important if you move. For UK companies, they may offer travel insurance for Europe, and some allow for upto 12 months outside of the UK. This may be a consideration since you may find work, or partially live outside of the UK.

Generally the monthly amount may be affected by where you live as vet prices vary from place to place. The price may not be affected by where you life, and the company may follow a benefit schedule where they say for example- you can only get upto X amount for X injury – ex. 1000 for a broken leg.



Waiting period?
The waiting period is the amount of time you have to wait before the coverage will start to take effect. This is to prevent people from getting insurance and claiming an existing injury or illness. The waiting period keeps prices low.



Do rates increase with more claims/penalized for filing more claims?
Some companies may increase your monthly payment for the following year if you made a lot of claims the previous year. This is very different from company to company.



Maximum lifetime claim amount?
Click here to understand lifetime plans more:.

For example: You have a ‘per condition’ plan, and each condition you can get 5000, however the company may have a lifetime claim amount so that you can only get a maximum of 20 000 worth of claims in the pets life. This is important to note.



What is the co-pay?
Check out the page on Terminology.

Extras included?
Generally nothing is written here, as it is already written somewhere else. This is for anything that I think is of interest.

Money back guarantee?
This means that in the first say 30 days or 15 days, if you decide you don’t want the plan and haven’t made any claims you can cancel without losing anything.

Sidenote:Each company has its own cancellation policy.
Some plans you can cancel at anytime, others you have to wait till the year ends, while others you may only have to finish the month.






Compare Pet Insurance Plans and :

What they don’t cover - claims that are directly or indirectly related to:

• Pets under 8 weeks old.- most companies start coverage at 6 or 8 weeks
• Pre-existing conditions – are not covered by any company, although some may allow it, if it’s totally healed. Ex. A broken leg, a second break should have nothing to do with the first break… but usually pre-existing conditions are not covered.
• No coverage for injuries that result from: racing, breeding, hunting, law enforcement- usually if the pet is used for commercial purposes, those injuries that result from those things aren’t covered.
• Treatment not recommended by a vet. When I researched to compare pet insurance plans , I found that most (if not all) will not reimburse anything unless it is recommended by a vet.
• Illnesses or Accidents that happen outside of UK, Northern Ireland, Isle of Man, channel islands, Eire, or the EU countries of the PETS travel scheme defined by DEFRA listed here.
• For the UK, when you compare pet insurance plans you will learn that most companies will not insure dogs that are a breed under the “Dangerous Dogs act 1991 or Dangerous dogs act 1991(Northern Ireland)”
o These dogs include: Pit Bull Terrier, Japanese Tosa, Dogo Argentino, Fila Brasileiro and pets described similar in type and characteristic. They may not even be of this breed, but if they’re described to be the same.
o This is described as a type and characteristic, NOT breed, meaning any dogs that have characteristics as the above breeds.



Make sure to read the fine print before purchasing, there are many more exclusions that are not written here.



I hope that this helps to explain the table and sheets that I use so that you can compare pet insurance plans for each company for every country. This Pet Insurance page is meant to help you to understand what I mean when I compare pet insurance plans.






Click here to return from Compare pet Insurance Plans to see the full tables to compare each company side by side!

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