Providing good veterinary health care to our pets is a growing concern in America. More and more people are looking to pet insurance to ease the burden of emergency visits and even routine wellness exams and preventative medicine. Some employers and even auto insurance companies offer optional pet coverage, and there are over a dozen pet insurance companies. The format of the insurance is similar to human health insurance, with most policies involving monthly premiums, an annual deductible, and then 70-100% reimbursement on charges depending on selected plan. Some policies can be customized by you to fit your budget and your pet’s lifestyle. Many policies exclude pre-existing diseases and hereditary/genetic diseases, so it is important to review the plans carefully. In addition to visiting individual pet insurance plan websites, you may find excellent information at:

A great resource including customer opinions and reviews, rates and plan coverage, and free estimates.

5 plans; $100 yearly deductible; 80% reimbursement

Embrace Pet Insurance


Online pet insurance comparison guide; Customize your own plan (choose your copay, deductible, policy maximum and other options)


866-275-PETS (7387)

5 dog plans and 4 cat plans; 70-100% reimbursement

Petplan USA Pet Insurance

866-GO-PETPLAN (866-467-3875)

Customize your own plan; Exclusive provider of the HSUS

Pets Best Pet Insurance


Customize your own plan; 80% reimbursement

Pets Health Plan


5 plans; $100 yearly deductible; 80% payback

Trupanion Pet Health Insurance


Lifetime health coverage for puppies and kittens—enroll pets under 1 year old; pays 90% of veterinary costs

Veterinary Pet Insurance (VPI)


Multiple plans for dogs, cats, birds, and exotics; 90% reimbursement