Keep in mind, this is different from Pet Injury Protection, which is included under collision coverage in AUTO policies. Pet Injury pays up to $1,000 for medical care if your dog or cat gets hurt in a car accident, regardless of fault.

ACCIDENT ONLY PLANS

Like car insurance or homeowners insurance, it reimburses you a set percentage of your out-of-pocket costs for a claim. With this insurance plan your dog or cat is covered for broken bones, bite wounds, and other common injuries. This is a highly affordable pet insurance option for covering those unfortunate accidents.

MEMBERSHIP PLAN

Membership pet plans coverage like homeowners insurance, it reimburses you a set percentage of your out-of-pocket costs for a claim, BUT unlike standard pet insurance you have to stick to specific vets, who offer members discounted services.

Covers the following:

Best for smaller & predictable bills

What’s not covered by pet insurance

Pet insurance does not cover your dog or cat’s pre-existing conditions as it’s meant to help with your pet’s future medical needs. Non-medical expenses and some types of treatment are also not covered, including:

Preventive, elective, and cosmetic procedures

Boarding and grooming

Food (including prescription food)

How much does pet insurance cost?

Pet insurance is generally affordable, and will typically cost a few hundred dollars per year. Cats are typically more affordable than dogs.  

Cat: Domestic shorthair PER YEAR COST average

Low priced state:   $100-161.16

Medium priced state: $215-$260.76

High Cost state:  $320-$386.28

Small breed dog: Maltese PER YEAR COST average

Low priced state:   $200-$251.00

Medium priced state:   $350- $392

High Cost state:  $550- 590.00

Medium breed dog: Basset Hound PER YEAR COST average

Low priced state:   $348- 388.00

Medium priced state:   $570- $599

High Cost state:  High Cost state:  $875- 898.00

Large breed dog: Rough Collie dog PER YEAR COST average

Low priced state: Low priced state:  $370-$412.00

Medium priced state: Medium priced state:  $635-685.00

High Cost state:  High Cost state:  $985-1015.00

The price for pet insurance will generally be determined by four factors:

Location:

Veterinary care is costlier in certain parts of the country. For instance, if you’re living in rural Wyoming, you’ll probably pay less for pet insurance than someone in New York City.

Age:

The likelihood of your pet becoming ill increases with age.

Breed:

Your dog or cat may be predisposed to certain illnesses based on size and genetics. For example, Abyssinians are one of the most expensive cat breeds to insure, as they’re more prone to periodontal disease and retinal atrophy. When it comes to dog breeds, pet insurance is generally costlier for Great Danes—they’re vulnerable to heart and hip issues and medication may cost more for bigger dogs.

Deductible and reimbursement level:

Choosing a higher deductible will lower the cost of your plan, but will increase your out-of-pocket costs at the vet. A lower deductible will increase your plan’s price, but you’ll be reimbursed more on your claim. Your level of reimbursement will also affect pricing. For instance, a plan with a 90% reimbursement amount will cost more than a plan that pays you back for 70% of your vet bill.

Can I choose my own veterinarian?

Yes, as long as your veterinarian is licensed and has the necessary training.

Does pet insurance cover any pets besides cats and dogs?

Typically no, you’ll need a company that specializes in exotic pets and you will be able to apply but it is by species type so please choose in intuitive quote system.