Comparison resources

Pet Insurance Providers

Compare top pet insurance providers to find the best coverage for your furry, feathered, or scaly family members.

How we make money: Bay Area Vets may earn a commission from identified affiliate links. Insurance terms and prices change, so confirm details directly with each provider. Learn more.

Start with what matters to you

Narrow the comparison by pet type. This is a starting point for reviewing official policy information, not an insurance recommendation or quote.

Healthy Paws logo
Healthy Paws
Offers accident and illness pet insurance for dogs and cats. Policy terms, exclusions, and waiting periods vary by state.

Animals Covered:

Dogs
Cats

What's Covered:

  • Accident coverage
  • Illness coverage

Waiting periods, exclusions, reimbursement, deductibles, and limits vary by policy and location. Review the official terms before enrolling.

Review official terms

Source reviewed July 17, 2026

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Trupanion logo
Trupanion
Offers pet medical insurance for dogs and cats, focused on eligible unexpected injuries and illnesses under its policy terms.

Animals Covered:

Dogs
Cats

What's Covered:

  • Injury coverage
  • Illness coverage

Waiting periods, exclusions, reimbursement, deductibles, and limits vary by policy and location. Review the official terms before enrolling.

Review official terms

Source reviewed July 17, 2026

Coverage source
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ASPCA Pet Health Insurance logo
ASPCA Pet Health Insurance
Offers pet health insurance options for dogs and cats. Coverage, exclusions, and waiting periods depend on the policy and state.

Animals Covered:

Dogs
Cats

What's Covered:

  • Accident coverage
  • Illness coverage

Waiting periods, exclusions, reimbursement, deductibles, and limits vary by policy and location. Review the official terms before enrolling.

Review official terms

Source reviewed July 17, 2026

Coverage source
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Nationwide Pet Insurance logo
Nationwide Pet Insurance
Offers pet insurance options for dogs, cats, and certain exotic pets. Available plans and terms depend on the pet and location.

Animals Covered:

Dogs
Cats
Exotic Pets

What's Covered:

  • Accident coverage
  • Illness coverage
  • Wellness options

Waiting periods, exclusions, reimbursement, deductibles, and limits vary by policy and location. Review the official terms before enrolling.

Review official terms

Source reviewed July 17, 2026

Coverage source
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Embrace Pet Insurance logo
Embrace Pet Insurance
Offers accident and illness pet insurance for dogs and cats. State-specific terms and waiting periods apply.

Animals Covered:

Dogs
Cats

What's Covered:

  • Accident coverage
  • Illness coverage

Waiting periods, exclusions, reimbursement, deductibles, and limits vary by policy and location. Review the official terms before enrolling.

Review official terms

Source reviewed July 17, 2026

Coverage source
Visit provider

Frequently Asked Questions

What does pet insurance cover?

Most pet insurance plans cover accidents, injuries, and illnesses. Some providers offer wellness add-ons for routine care like vaccinations, dental cleanings, and annual check-ups. Coverage varies by provider and plan.

How do pet insurance claims work?

Most pet insurance works on a reimbursement model. You pay the vet directly, submit a claim to your insurance provider, and they reimburse you based on your plan's coverage percentage after your deductible is met.

When should I get pet insurance?

The best time to get pet insurance is when your pet is young and healthy. Pre-existing conditions are typically not covered, so enrolling before health issues develop ensures maximum coverage for your pet's lifetime.

Need help choosing the right insurance?

Our team can help you navigate pet insurance options and find the best coverage for your pet's specific needs.