How Much Does Pet Insurance Cost for Dogs and Cats?

We call our pets our children, and, like any good parents, we worry about them pretty much constantly. We worry about what will happen if they get sick or get hurt—and about how we'll pay to fix it if those things ever happen. Unlike human children, though, we can't just add our furbabies to our company health insurance policies. No, instead we have to get them their own policies, known as pet insurance, if we want to have a little help lined up for a rainy day. Here's what you need to know about how the costs (and coverage) of the top five pet insurance providers compare.

Dogs

sick ill dog
credit: damedeeso/iStock/GettyImages

According to rankings from the numbers-focused minds over at Value Penguin, the top five pet insurance options for dogs and their average monthly premiums are:

Value Penguin
credit: Value Penguin

So what does that cover, exactly? Here's what you need to know:

Veterinarian doctor holding and examining a Boston Terrier puppy
credit: Wojciech Kozielczyk/iStock/GettyImages

Embrace:

Average monthly premium: $25.25

What it covers: According to Embrace, its dog insurance plans cover a wide array of your pup's health needs, including:

  • all illnesses & injuries
  • vet-exam fees
  • breed-specific conditions
  • cancer treatment
  • chronic conditions
  • congenital conditions
  • diagnostic testing & imaging
  • ER & specialist care
  • surgery, hospitalization, & nursing care
  • alternative therapies & rehabilitation
  • prescription drugs (optional in some states.)
  • behavioral therapy
  • prosthetic limbs, devices, & mobility aids
  • dental illness up to $1,000/year (available in most states.)

Figo:

Monthly premium: $31.13

What it covers: According to Figo, its dog insurance plans cover:

  • Veterinary Exam Fees (optional)
  • Illness or Injury
  • Accidents
  • Emergency & Hospitalization
  • Surgeries
  • Prescriptions
  • Veterinary Specialists
  • Hereditary Conditions
  • Congenital Conditions
  • Chronic Conditions
  • Holistic & Alternative Therapies
  • Prosthetics & Orthopedics
  • X-Rays, MRIs, CT Scans, Ultrasounds
  • Hip Dysplasia
  • Cancer Treatments
  • Knee Conditions

Nationwide:

Monthly premium: $33.08

What it covers: Nationwide offers three different plans, which over different levels of coverage, but the conditions and situations their plans cover either in full or in part include:

Accidents & injuries

  • Poisonings
  • Sprains
  • ACL ruptures

Common illnesses

  • Ear infections
  • Vomiting
  • Diarrhea

Serious illnesses

  • Cancer
  • Heart disease
  • Diabetes

Chronic illnesses

  • Allergies
  • Arthritis
  • Skin conditions

Hereditary conditions

  • Hip dysplasia
  • Eye disorders
  • Blood disorders

Testing & diagnostics

  • X-rays, MRIs, CT scans
  • Ultrasounds
  • Blood tests

Procedures

  • Surgeries
  • Endoscopies
  • Chemotherapy

Holistic & alternative

  • Acupuncture
  • Chiropractic
  • Laser therapy

Wellness

  • Vaccinations
  • Flea/heartworm
  • Spay/neuter

PetFirst:

Monthly premium: $34.95

What it covers: According to PetFirst, its dog insurance covers:

  • Accidents
  • Illnesses (incl. hereditary, congenital, & chronic conditions)
  • Hospitalizations
  • Surgeries
  • Diagnostic Tests
  • Exam Fees
  • X-rays
  • Ultrasounds
  • Medications
  • Holistic Care & Alternative Therapies
  • Emergency Care
  • And more (several conditions are covered following a 12-month waiting period)

AKC:

Monthly premium: $35

What it covers: According to the AKC, its pet insurance plan covers:

  • X-Ray & Ultrasound
  • Prescription Medications
  • Emergency Care
  • Laboratory Tests
  • Hospitalization
  • Physical Therapy
  • CT Scan & MRI
  • Surgery

Cats

female veterinarian medical doctor with cat
credit: Tomwang112/iStock/GettyImages

According to Value Penguin, the top five cat pet insurance plans and their average premiums are:

Value Penguin
credit: Value Penguin

So what does that cover, exactly? Here's what you need to know:

Doctor veterinarian at clinic.
credit: Vasyl Dolmatov/iStock/GettyImages

PetsBest:

Monthly premium: $9.94

What it covers: According to PetsBest, its cat insurance covers:

  • Accidents
  • IllnessCancer treatment
  • Hereditary and congenital conditions
  • Emergency care, hospitalization, and surgery
  • Prescriptions
  • Ongoing and chronic conditions
  • Diagnostics
  • Behavioral conditions
  • Dental coverage
  • Euthanasia
  • Prosthetics and wheelchairs
  • And more

Embrace:

Monthly premium: $13.79

What it covers: According to Embrace, its cat insurance plans cover a wide array of your cat's health needs, including:

  • all illnesses & injuries
  • vet-exam fees
  • breed-specific conditions
  • cancer treatment
  • chronic conditions
  • congenital conditions
  • diagnostic testing & imaging
  • ER & specialist care
  • surgery, hospitalization, & nursing care
  • alternative therapies & rehabilitation
  • prescription drugs (optional in some states.)
  • behavioral therapy
  • prosthetic limbs, devices, & mobility aids
  • dental illness up to $1,000/year (available in most states.)

Figo:

Monthly premium: $15.38

What it covers: According to Figo, its cat insurance plans cover:

  • Veterinary Exam Fees (optional)
  • Illness or Injury
  • Accidents
  • Emergency & Hospitalization
  • Surgeries
  • Prescriptions
  • Veterinary Specialists
  • Hereditary Conditions
  • Congenital Conditions
  • Chronic Conditions
  • Holistic & Alternative Therapies
  • Prosthetics & Orthopedics
  • X-Rays, MRIs, CT Scans, Ultrasounds
  • Hip Dysplasia
  • Cancer Treatments
  • Knee Conditions

ASPCA:

Monthly premium: $16.77

What it covers: According to the ASPCA, its cat insurance covers:

Accidents

Things like e torn ligaments, bite wounds, cuts, broken bones, lodged foreign objects, and toxic ingestions.

Illnesses

Covers the costs of major and minor illnesses, such as cancer, arthritis, allergies, hypothyroidism, digestive problems, and UTIs.

Hereditary and Congenital Conditions

Covers the costs of inherited conditions and birth defects that don't show symptoms until later in your pet's life, like heart disease, IVDD, eye disorders, and hip dysplasia.

Alternative Therapies

Covers therapies like acupuncture, physiotherapy, chiropractic care, rehabilitative therapy, hydrotherapy, and low-level laser therapy.

Behavioral Issues

Helps cover costs of veterinary visits for concerning behaviors that may be related to anxiety or compulsive behavior, like excessive licking, fur pulling, and destruction of the home.

Chronic Conditions

Conditions like allergies, diabetes, and cancer.

PetFirst:

Monthly premium: $16.95

What it covers: According to PetFirst, its cat insurance covers:

  • Accidents
  • Illnesses (incl. hereditary, congenital, & chronic conditions)
  • Hospitalizations
  • Surgeries
  • Diagnostic Tests
  • Exam Fees
  • X-rays
  • Ultrasounds
  • Medications
  • Holistic Care & Alternative Therapies
  • Emergency Care
  • And more (several conditions are covered following a 12-month waiting period)