We Review and Recommend the Best Pet Insurance Providers

Pet Insurance Reports: As the cost of quality veterinarian care continues to climb, the options for pet insurance for your dog or cat are growing. Our team reviews the policies and options provided by pet insurance providers and creates easy to understand pet insurance reports for consumers.

Pet Insurance Quotes: Each recommended pet insurance provider below will provide a policy quote online in a matter of minutes. In order to fully compare the costs and benefits of each offer, the most effective approach for a new consumer is to request quotes from multiple providers.

Pet Insurance Reports:

Additional Pet Insurance Information:

How Pet Insurance Policies Work

Getting a Policy
All pet insurance policies for dogs and cats are indemnity insurance policies. This means that you pay the full amount for any covered service or procedure up front. The pet insurance company will then reimburse you based on a claim that you file, after applying your deductible and co-pay, until you reach your policy's annual or lifetime maximum. Most pet insurance companies will issue a new policy to pets aged 8 weeks up 10 years old. Senior pets can often be insured after undergoing a medical exam. Some pre-existing conditions may be excluded from your policy, depending on the policies of each pet insurance company.

Waiting period
A waiting period is the time between when you first apply for a pet insurance policy and your full coverage takes effect. Most pet insurance companies have a waiting period of 2 - 14 days for accidents and 14 - 30 days for illnesses. The waiting period prevents consumers from taking out a pet insurance policy immediately following an accident or illness. In general a waiting period only applies in the first year of your policy. Afterwards, that there is no waiting period.

Claims process
When you've received veterinarian services, you will pay the bill in full. You will then submit a claim form signed by your veterinarian to your pet insurance company. Once this form has been received and processed, the pet insurance company will issue a reimbursement for the covered amount.

Learn More
To learn more about our pet insurance reports, please visit our articles on The Cost of Veterinary Care and Real Pet Insurance Stories.