Comfortably Covered: Why Pet Insurance is a Good Investment

Posted by Samantha Bubar

One of the biggest costs of being a pet owner is the vet bills.

If you own pets, you've made one or more trips to the vet. Yearly visits, vaccinations, illness, injury- you've been there. You have insurance on your home, your car, your health, so why not your pet?

You've heard the horror stories of pet owners that have to make life-or-death split decisions when something tragic happens to their beloved pets. Those decisions are based on a multitude of factors; usually quality of life, severity of injury, recovery process, and cost all come into play.

Why not remove cost from that equation with pet insurance?

Just like health insurance plans for humans, there are just as many options for your pets. It's important to do your research and pick the plan and insurance carrier that best fits your needs.

I took the time to get free quotes from the most recommended pet insurance companies and have listed my findings.

All companies required me to enter varying amounts of information on the pet I was insuring, a four-year-old Chihuahua mixed breed. Here are the top five results!

5. Pets Best Insurance

Pets Best had a handful of customization options, and emailed me my quote results within a day. The quote was laid out in a very easy to read and understand format, with four different payment options (monthly, quarterly, semi annually, and annually). They also offered a special discount for adding another pet.

The home page has three clear links to their pricing, what pet insurance is and what they cover. The clear outline of what is and is not covered up front is very helpful. When making big choices for insurance of any kind, it's helpful to have all the important information readily available.


  • $5,000.00 Coverage Per Year
  • $100.00 Deductible
  • 80% Reimbursement


Annual Total: $435.63


little cat with broken leg

4. Embrace Pet Insurance

Embrace also emailed me my quote results within the day. The actual website is a little more cut and dry. While reviewing my quote, I was prompted to answer a few more questions, that eventually increased my "Annual Savings" amount, which was very clear and outlined next to the "Total" amount.

Once you scroll down the page you're hit with a lot of the more technical information. Plan dates, coverage specifics, payment schedule, medical history, and plan information. There is also a very clear "What Isn't Covered" box, next to the procedures and conditions that are covered. The website itself is less flashy, and offers a compare option as well as a breed guide and additional health resources.

  • Annual Maximum: $10,000.00
  • Annual Deductible: $200.00
  • Reimbursement: 80%


Annual Total: $607.71


3. Trupanion

Trupanion gives you an initial quote based on their most popular option, emailed to you within 24 hours, while outlining other options based on deductible. They then list a bunch of questions on options you can choose to "enhance" your insurance plan, e.g. complementary care/recovery rider, pet owner assistance.

They do not list what is or is not covered up front; you have to look on their home page to find a link to their coverage details. On the quote page, they do list "perks" of having a Trupanion policy. They mention they don't impose limits or caps on their coverage, in multiple places. Their home page has quite a few resource links and articles about pet-related information.

  • $200.00 Annual Deductible


Annual Total: $609.60


2. Pet Plan

Pet Plan did not email me a saved quote, but offered quite a few specifications when filling out the quote request. They also offer a discount for enrolling online. Once you "fetch" your quote, they break the insurance down into three categories- Bronze, Silver, and Gold. This gives you different annual maximums and monthly premiums. Below, there are options to customize deductible and reimbursement.

After a few minutes on the web page, a live chat bubble pops up asking if you have any questions. There is a button to click to see what each level covers that is easily accessible and presented in an easy-to-understand format.

Bronze Plan:

  • $10,000.00 Annual Expenses
  • $100.00 Deductible
  • 80% Reimbursement
  • 5% Online Enrollment Fee Discount


Annual Total: $341.04

Dog Sitting Next To Owner Using Laptop 1. Healthy Paws

Healthy Paws emailed me my quote the next day, and followed up within a week with another email. Your quote is very clearly laid out, and you can customize your reimbursement and deductible and it shows the on-screen changes as you click different options. Below, it very clearly outlines coverage with a list of what is included as well as exclusions.

  • Annual Expenses: No limit
  • $250.00 Deductible
  • 80% Reimbursement


Annual Total: $336.24

In the end, Healthy Paws had the best options, as well as the best prices. But each insurance has its pros and cons.

While the pet I used as an example was my pooch, it's important to consider pet insurance for your feline companions as well. Between the annual visits, emergency trips, annual vaccines, or routine check ups, costs can add up right before your eyes!

If you're adopting a pet, check with your shelter. Some shelters offer a complementary 30 days of insurance, followed up by a discounted insurance price.

Why not have all your furry friends covered?

Do you have pet insurance? Let us know in the comments below!

WATCH NOW: Pets Lead to Good Health

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Comfortably Covered: Why Pet Insurance is a Good Investment