Pet insurance guides

Browse every guide by topic. Each one answers a single question, with industry numbers where they exist and plain English where they do not.

How it works

Accident-Only vs. Accident-and-Illness Pet Insurance

Accident-only is cheaper but covers injuries alone. Accident-and-illness adds illnesses like cancer and infections. Here's how to pick the right one.
Can You Get Pet Insurance Before Surgery and Use It?

You can buy pet insurance before surgery, but that surgery won't be covered: the condition is pre-existing and the waiting period hasn't passed. New ones are.
How Does Pet Insurance Work?

Pet insurance is reimbursement-based: you pay the vet, file a claim, and get paid back a percentage after your deductible. Here's the full process, step by step.
How Long Does Pet Insurance Reimbursement Take?

Insurers' own figures run from most claims in 2 days (Healthy Paws) to over 90% in under 10 (Embrace). First claims and missing records add a week or more.
How to File a Pet Insurance Claim, Step by Step

To file a pet insurance claim, pay the vet, get an itemized invoice and medical records, and submit via the insurer's app. Most pay out in days to two weeks.
How to Switch Pet Insurance Without Losing Coverage

Switching pet insurance makes every condition on record pre-existing with the new insurer. When a switch still pays off, and how to overlap policies safely.
Per-Condition vs Annual Limit in Pet Insurance: Which Is Better?

An annual limit resets yearly; a per-condition limit caps each diagnosis; a lifetime limit caps the policy forever. For chronic illness, annual usually wins.
Pet Insurance Reimbursement Explained

Reimbursement is the percentage your insurer pays back after the deductible. Learn how 70% vs 80% vs 90% changes your payout, and the benefit-schedule catch.
Pet Insurance That Pays the Vet Directly: Who Offers It

Trupanion, Pets Best, and Healthy Paws can pay the vet directly; the other five insurers we checked reimburse you. The deductible and your share stay yours.
Pet Insurance Waiting Periods Explained

A waiting period is the gap between buying a policy and when coverage starts. Accidents often clear in days; illness and orthopedic issues can take weeks or months.
Pet Insurance With No Waiting Period: What Actually Exists

No US insurer we checked sells illness cover with no waiting period. Accident cover starts at once at Lemonade and by law in four states; waivers cut the rest.
What Is a Deductible in Pet Insurance?

A deductible is what you pay before reimbursement starts. Learn annual vs. per-condition deductibles and how they combine with reimbursement rates and limits.
What Is an Annual Limit in Pet Insurance? (Explained)

An annual limit is the most pet insurance will reimburse in a policy year. See how $5,000, $10,000, and unlimited tiers change what you get back on big bills.
Why Pet Insurance Claims Get Denied, and How to Appeal One

A pet insurance claim gets denied most often for a pre-existing condition in the records, treatment in the waiting period, an excluded charge, or missing files.

By insurer

ASPCA Pet Insurance Review (2026): 14-Day Waits, 180-Day Curable Rule

ASPCA pet insurance has a flat 14-day waiting period, exam fees and behavioral care in the base plan, a $100 to $500 deductible, and a 180-day curable rule.
ASPCA Pet Insurance Waiting Period: 14 Days Across the Board

ASPCA pet insurance's waiting period is 14 days for accidents, illnesses, and ligament and knee conditions; preventive add-on has no wait, no waiver published.
ASPCA vs Spot Pet Insurance (2026): Same Policy Core, Four Differences

ASPCA vs Spot pet insurance: both wait 14 days, use a 180-day curable rule, and include exam fees. They differ on deductible ceiling, limit menu, and discounts.
Costco Pet Insurance: A Figo Policy With a 15% Member Discount

Costco pet insurance is Figo's policy, underwritten by Independence American Insurance Company, with 15% off for Gold Star and Business members on new policies.
Embrace Pet Insurance Review (2026): The Orthopedic Wait and the Rest

Embrace pet insurance waits 2 days for accidents, 14 for illness, and 180 for dog orthopedic issues unless a vet exam cuts it; dental illness capped at $1,000.
Embrace Pet Insurance Waiting Period: 2 Days to 6 Months

Embrace pet insurance's waiting period is 2 days for accidents, 14 days for illnesses, and 6 months for dog orthopedic conditions, cut to 14 days by a vet exam.
Figo Pet Insurance Review (2026): 100% Tier and the Payout Order

Figo pet insurance review: three plans up to unlimited, 70% to 100% reimbursement, a 1-day accident wait (5 in California), and a co-pay-first payout order.
Figo Pet Insurance Waiting Period: 1 Day, 14 Days, 6 Months

Figo pet insurance's waiting period is 1 day for accidents, 14 days for illnesses, and 6 months for orthopedic conditions, app waiver; California says 5 days.
GEICO Pet Insurance Is Embrace, Sold Through GEICO's Agency

GEICO pet insurance is an Embrace policy sold by the GEICO Insurance Agency: Embrace's terms, a 10% multi-pet discount, and a deductible that falls $50 a year.
Healthy Paws Pet Insurance Review (2026): What the Policy Says

Healthy Paws offers one accident-and-illness plan with a $5,000, $7,000, or unlimited annual limit fixed at enrollment and a 15-day waiting period.
Healthy Paws vs Embrace Pet Insurance (2026): The Terms Compared

Healthy Paws vs Embrace pet insurance turns on orthopedic waits, a limit fixed at enrollment against a changeable annual maximum, and an exam fee add-on.
Healthy Paws Waiting Period (2026): 15 Days, Two Versions

Healthy Paws's waiting period is 15 days for accidents and illnesses, 12 months for hip dysplasia; model-act states get no accident wait and a waivable 15 days.
Lemonade Pet Insurance Review (2026): Waiting Periods and Add-Ons

Lemonade pet insurance has no accident waiting period and a 14-day illness wait, but the base policy excludes exam fees unless you buy the vet visit add-on.
Lemonade Pet Insurance Waiting Period: 0, 14, and 30 Days

Lemonade pet insurance has no waiting period for accidents, 14 days for illnesses, and 30 days for orthopedic conditions; no waiver is published, terms vary.
Pets Best Pet Insurance Review (2026): Waits and Vet Direct Pay

Pets Best pet insurance review: $100 to $1,000 deductible, 70 to 90% reimbursement, exam fees on most plans, Vet Direct Pay, and a form-dependent cruciate wait.
Pets Best vs Figo Pet Insurance (2026): Payout Order, Waits, Exam Fees

Pets Best vs Figo pet insurance: Pets Best deducts first and includes exam fees; Figo applies the co-pay first, sells exam fees as a Powerup, and pays to 100%.
Pets Best Waiting Period Explained: 3 Days, 14 Days, 6 Months

Pets Best's waiting period is 3 days for injuries, 14 days for illnesses, and 6 months for cruciate events on its standard form; a vet exam can waive it.
Progressive Pet Insurance: Two Products, Which One Is Yours?

Progressive pet insurance is one of two products: a Progressive-branded policy run by Companion Protect, or a referral to Pets Best. Check which your quote is.
Spot Pet Insurance Review (2026): Seven Annual Limits, One 14-Day Wait

Spot pet insurance has one 14-day waiting period, seven annual limits from $2,500 to unlimited, deductibles of $100 to $1,000, and exam fees in the base policy.
Spot Pet Insurance Waiting Period: One 14-Day Wait for Everything

Spot pet insurance's waiting period is 14 days for accidents, illnesses, and ligament and knee conditions; preventive add-on starts the next day, no waiver.
State Farm Pet Insurance Is Trupanion: Terms, Claims, Caveats

State Farm pet insurance is Trupanion's policy quoted via State Farm agents: 90% reimbursement, a lifetime per-condition deductible, no caps, no exam fees.
Trupanion Pet Insurance Review (2026): Terms and Who It Suits

Trupanion sells one 90% plan with a lifetime per-condition deductible and no payout caps, but excludes exam fees. A terms-based Trupanion pet insurance review.
Trupanion vs Lemonade Pet Insurance (2026): Terms Side by Side

Trupanion vs Lemonade pet insurance comes down to a lifetime per-condition deductible with no caps against an annual deductible with a chosen limit and add-ons.
Trupanion Waiting Period (2026): 5 Days, 30 Days, or 12 Days

Trupanion's waiting period is 5 days for injuries and 30 days for illnesses in most states, no separate orthopedic wait; a single 12-day period is announced.
USAA Pet Insurance Is an Embrace Policy With a Member Discount

USAA pet insurance is an Embrace policy sold by the USAA Insurance Agency, with up to 15% off plus 10% more for military members, service dogs, or several pets.

Coverage

Can You Get Pet Insurance After a Diagnosis?

Yes, you can still buy pet insurance after a diagnosis, but that condition will be excluded as pre-existing. Here's what coverage you still get and why it can help.
Does Pet Insurance Cover Allergies?

Pet insurance covers allergy diagnosis and treatment if it isn't pre-existing. Since allergies are chronic, timing and chronic-condition coverage matter. Here's how.
Does Pet Insurance Cover Apoquel and Cytopoint for Allergies?

Pet insurance covers Apoquel and Cytopoint as prescription medication for a covered allergy if the allergy wasn't pre-existing and the policy pays for drugs.
Does Pet Insurance Cover Behavioral Issues and Anxiety?

Some pet insurance covers behavioral issues like anxiety when a vet diagnoses them, but many policies cap or exclude it. Training is never covered.
Does Pet Insurance Cover Bloat (GDV) Surgery for Dogs?

Yes, pet insurance covers emergency bloat (GDV) surgery as illness treatment after the waiting period. Preventive gastropexy is usually excluded as elective.
Does Pet Insurance Cover Blood Work and X-Rays?

Yes, pet insurance covers blood work and X-rays when they diagnose a covered accident or illness. Routine screening tests are preventive and excluded.
Does Pet Insurance Cover BOAS Surgery in Flat-Faced Dogs?

Yes, pet insurance covers BOAS surgery (nares and soft palate) as hereditary illness treatment, if the noisy breathing wasn't noted before enrollment.
Does Pet Insurance Cover Cancer?

Pet insurance covers cancer diagnosis and treatment, chemo, surgery, radiation, if it isn't pre-existing. Here's what's covered and why the annual limit matters most.
Does Pet Insurance Cover Cataract Surgery for Dogs?

Yes, pet insurance covers cataract surgery (phacoemulsification) as illness treatment if the cataract wasn't noted before enrollment, hereditary or diabetic.
Does Pet Insurance Cover Cherry Eye Surgery in Dogs?

Yes, pet insurance covers cherry eye surgery as illness treatment if the prolapse wasn't noted before enrollment and congenital conditions are covered.
Does Pet Insurance Cover Cruciate (ACL) Surgery?

Pet insurance covers cruciate ligament (ACL/CCL) surgery if it isn't pre-existing and the orthopedic waiting period has passed, but watch the bilateral clause.
Does Pet Insurance Cover Dental?

Pet insurance usually covers dental injuries and some dental disease, but routine cleanings need a wellness add-on. Here is exactly what is and isn't covered.
Does Pet Insurance Cover Diabetes in Dogs and Cats?

Pet insurance covers diabetes, including insulin and monitoring, if it isn't pre-existing. Diabetes is incurable, so timing and chronic coverage decide it.
Does Pet Insurance Cover Ear Infections in Dogs?

Pet insurance covers ear infections if they aren't pre-existing. Recurring infections are often tied to allergies and can be ruled chronic and excluded.
Does Pet Insurance Cover Emergency Vet Visits?

Yes, pet insurance covers emergency vet visits for accidents and illness at any ER, no network needed. Watch for excluded exam fees and know you pay first.
Does Pet Insurance Cover Euthanasia and Cremation?

Many pet insurance policies cover euthanasia when a vet recommends it for a covered condition. Cremation and burial are usually excluded or only via an add-on.
Does Pet Insurance Cover FIP Treatment in Cats?

Pet insurance covers FIP treatment as an illness if the cat showed no signs before enrollment; the compounded GS-441524 drug falls under the medication clause.
Does Pet Insurance Cover Foreign Body Surgery After Swallowing?

Yes, pet insurance covers foreign body surgery as an accident claim, the fastest-starting cover: no wait at Lemonade, 2 days at Embrace, 14 at Spot.
Does Pet Insurance Cover Heartworm Treatment and Prevention?

Pet insurance covers heartworm treatment as an illness if the infection is found after enrollment and the waiting period. Monthly prevention is wellness-only.
Does Pet Insurance Cover Hernia Surgery in Dogs and Cats?

Pet insurance covers hernia surgery if the hernia is congenital and the policy covers congenital conditions, or traumatic and claimed as an accident.
Does Pet Insurance Cover Hip Dysplasia in Dogs?

Pet insurance covers hip dysplasia if it isn't pre-existing and the policy includes hereditary conditions. The orthopedic waiting period is the real catch.
Does Pet Insurance Cover Hospitalization and Overnight Stays?

Yes, pet insurance covers hospitalization, ICU, and overnight stays for a covered accident or illness. Boarding is excluded; the annual limit is the test.
Does Pet Insurance Cover Kennel Cough Treatment?

Yes, pet insurance covers kennel cough as an illness after the waiting period if it isn't pre-existing. The Bordetella vaccine and boarding fees are excluded.
Does Pet Insurance Cover Kidney Disease in Cats?

Yes, pet insurance covers kidney disease in cats for life on policies that cover chronic conditions, if it isn't pre-existing. Renal diets vary.
Does Pet Insurance Cover Librela for Dog Arthritis?

Pet insurance covers Librela as medication for a covered condition when the dog's osteoarthritis wasn't pre-existing and the policy includes prescriptions.
Does Pet Insurance Cover Lipoma Removal in Dogs?

Pet insurance covers lipoma removal when it's medically necessary and the lump wasn't noted before enrollment. Cosmetic removal is excluded.
Does Pet Insurance Cover Liver Shunt Surgery in Dogs?

Pet insurance covers liver shunt surgery when the policy covers congenital conditions and the shunt wasn't suspected before enrollment. Timing decides it.
Does Pet Insurance Cover Luxating Patella Surgery?

Yes, pet insurance covers luxating patella surgery if the knee wasn't noted before enrollment and the orthopedic waiting period, 14 days to 6 months, is over.
Does Pet Insurance Cover Lyme Disease in Dogs?

Yes, pet insurance covers Lyme disease as an illness if it's diagnosed after enrollment and the waiting period. The vaccine and tick preventives are excluded.
Does Pet Insurance Cover Microchipping Your Pet?

Mostly via wellness add-ons: microchipping is routine care and excluded from most core policies. Spot and ASPCA cover microchip implantation.
Does Pet Insurance Cover MRI and CT Scans for Pets?

Yes, pet insurance covers MRI and CT scans as diagnostics for a covered accident or illness, anesthesia and specialist included, unless it's pre-existing.
Does Pet Insurance Cover Physical Therapy and Rehab for Pets?

Pet insurance covers physical therapy at many insurers when a vet prescribes it for a covered injury or surgery. Maintenance therapy is excluded.
Does Pet Insurance Cover Pre-Existing Conditions?

Most pet insurers exclude pre-existing conditions, but the definition of curable vs. incurable matters a lot. Here is how it actually works and what to do.
Does Pet Insurance Cover Pregnancy and C-Sections?

Pet insurance doesn't cover pregnancy, breeding, whelping, or C-sections on nearly every policy. A few cover complications. What's excluded and what to ask.
Does Pet Insurance Cover Prescription Pet Food?

Pet insurance usually doesn't cover prescription food, or covers it only partly. Some policies pay for a limited period when it treats a covered condition.
Does Pet Insurance Cover Skin Conditions in Dogs?

Pet insurance covers skin conditions like dermatitis, hot spots, infections, and mange if not pre-existing. Allergic skin disease is chronic, so act early.
Does Pet Insurance Cover Spaying and Neutering?

Standard pet insurance doesn't cover spaying or neutering, it's elective. Some wellness add-ons contribute. Here's what's covered and the one exception to know.
Does Pet Insurance Cover Surgery?

Pet insurance covers surgery for covered accidents and illnesses, but not elective or pre-existing procedures. Here's exactly which surgeries are and aren't covered.
Does Pet Insurance Cover Vaccinations?

Standard pet insurance doesn't cover vaccinations, they're preventive care. You only get them reimbursed with an optional wellness add-on. Here's how it works.
What Does Pet Insurance Not Cover?

Pet insurance excludes pre-existing conditions, routine/preventive care, cosmetic procedures, breeding, and more. Here's the full list of common exclusions.

Costs

How Much Does Pet Insurance Cost for Two Dogs?

Pet insurance cost for two dogs is two premiums, usually with 5-10% off the second. From the $70 average that's about $133 a month, before breed and age.
How Much Does Pet Insurance Cost in 2026?

Average pet insurance runs about $70/month for dogs and $36/month for cats (NAPHIA, 2025 data), but your price depends on breed, age, location, and the coverage settings you choose.
How to Get Cheaper Pet Insurance (Without Gutting Coverage)

Lower your pet insurance premium by adjusting the deductible, reimbursement rate, and limit, enrolling young, and stacking discounts, without leaving dangerous gaps.
Is Pet Insurance Tax Deductible? Usually Not, With Exceptions

Pet insurance isn't tax deductible for a personal pet; IRS Publication 502 doesn't list vet costs or pet insurance. Service animals are the exception it names.
Is Pet Insurance Worth It?

Pet insurance is worth it if a surprise multi-thousand-dollar vet bill would be hard to absorb. Here's an honest framework, with the math and the alternatives.
Multi-Pet Insurance Discounts: How They Work

Most pet insurers offer 5-10% off for each additional pet on one account. Here's how multi-pet discounts work, and when separate policies still make sense.
Pet Insurance Cost by Age: How Premiums Rise Over a Pet's Life

Pet insurance cost rises with age: puppies and kittens are cheapest, premiums climb slowly to about age 7, then steeply. The typical curve, with examples.
Pet Insurance Statistics (2026): Premiums, Claims, and How Many Pets Are Insured

The latest NAPHIA numbers in one place: $836 a year for dogs, $435 for cats, 7.6 million insured pets, 11.5% premium growth, and the conditions that drive claims.
Pet Insurance vs a Savings Account: Which Is Better?

Pet insurance vs a savings account comes down to timing: a vet fund only protects you once it's big enough, while insurance covers from day one. The math.
Pet Insurance vs Wellness Plan: What's the Difference?

Pet insurance reimburses unexpected accident and illness bills; a wellness plan prepays routine care. They solve different problems, and you can carry both.
Pet Insurance With No Deductible: Where $0 Is an Option

Only Trupanion, of eight insurers we checked, offers a $0 deductible on accident and illness cover; the rest start at $100. ASPCA wellness add-ons have none.

By breed

Pet Insurance for Australian Shepherds: Genes, Drugs, and Coverage

Australian Shepherds face hip dysplasia, hereditary eye disease, epilepsy, and MDR1 drug sensitivity. What pet insurance costs for an Aussie and what to check.
Pet Insurance for Beagles: What to Know

Beagles are generally hardy but prone to epilepsy, IVDD, ear infections, and obesity. Here's what pet insurance should cover and why to enroll early.
Pet Insurance for Bengal Cats: Heart, Eyes, and a Lot of Jumping

Bengals carry hereditary heart, eye, and blood disorders and injure themselves more than most cats. What pet insurance for Bengal cats should cover and costs.
Pet Insurance for Bernese Mountain Dogs: Cancer Risk and the Right Limit

Bernese Mountain Dogs face a very high cancer rate, joint dysplasia, and bloat. What pet insurance for a Bernese costs and why the annual limit matters most.
Pet Insurance for Border Collies: Is It Worth It for a Healthy, Hard-Working Breed?

Border Collies are generally healthy, but hip dysplasia, eye disease, epilepsy, and injuries still happen. What pet insurance for the breed costs and covers.
Pet Insurance for Boston Terriers: Eyes, Airway, and Knees

Boston Terriers claim for corneal ulcers, cherry eye, airway surgery, and slipping kneecaps. What pet insurance for Boston Terriers costs and covers.
Pet Insurance for Boxers: What to Know

Boxers are highly cancer-prone and carry heart risks, plus some brachycephalic breathing issues. Here's what insurance should cover and why to enroll young.
Pet Insurance for British Shorthairs: Heart, Kidneys, and Weight

British Shorthairs face hypertrophic cardiomyopathy, polycystic kidney disease, obesity, and dental disease. What pet insurance for British Shorthairs covers.
Pet Insurance for Cane Corsos: Giant-Breed Bills and Big Joints

Cane Corsos face hip and elbow dysplasia, bloat, epilepsy, eyelid surgery, and giant-breed vet bills. What pet insurance for Cane Corsos costs and covers.
Pet Insurance for Cats: Is It Worth It?

Cat insurance is cheaper than dog insurance (about $36/month on average) and covers common feline issues like kidney disease, dental, and urinary problems.
Pet Insurance for Cavalier King Charles Spaniels: Heart Risk and Premiums

Cavaliers face mitral valve disease, syringomyelia, and luxating patellas. What pet insurance costs for the breed and which policy terms actually matter.
Pet Insurance for Chihuahuas: What to Know

Chihuahuas are prone to patellar luxation, dental disease, heart conditions, and collapsing trachea. Here's what pet insurance should cover for the breed.
Pet Insurance for Cocker Spaniels: Ears, Eyes, and the Chronic Claims Problem

Cocker Spaniels are prone to chronic ear infections, hereditary eye disease, and skin allergies. What pet insurance for a Cocker Spaniel costs and covers.
Pet Insurance for Corgis: Back Problems, Hips, and What It Costs

Pembroke Welsh Corgis are prone to IVDD, hip dysplasia, degenerative myelopathy, and obesity. What pet insurance costs for a Corgi and the coverage it needs.
Pet Insurance for Dachshunds: What to Know

Dachshunds are highly prone to IVDD (back problems), which can cost thousands to treat. Here's what insurance should cover and why enrolling early is critical.
Pet Insurance for Dobermans: Covering the Heart and the Neck

Dobermans carry dilated cardiomyopathy, von Willebrand disease, wobbler syndrome, and bloat risk. What pet insurance for Dobermans costs and covers.
Pet Insurance for Dogs Over 10: Who Still Writes a New Policy

Yes, you can insure a 10, 11, 12, or 13 year old dog: most insurers we checked set no cutoff or stop at 14. Pet insurance for dogs over 10, rule by rule.
Pet Insurance for Domestic Shorthair Cats: Priced by Age

A domestic shorthair has no breed to price, so age and ZIP code set the premium. What pet insurance for domestic shorthair cats costs and should cover.
Pet Insurance for English Bulldogs: What to Know

English Bulldogs are among the highest-claim breeds: breathing, skin, hip, and eye problems. Here's what insurance should cover and why enrolling early is essential.
Pet Insurance for French Bulldogs: What to Know

French Bulldogs are prone to breathing, spine, and skin problems, making insurance valuable but pricier. Here's what to look for and why enrolling early matters.
Pet Insurance for German Shepherds: What to Know

German Shepherds are prone to hip and elbow dysplasia, degenerative myelopathy, bloat, and EPI. Here's what insurance should cover and why early enrollment is key.
Pet Insurance for Golden Retrievers: What to Know

Golden Retrievers have one of the highest cancer rates of any breed, plus joint and skin problems. Here's what insurance should cover and why to enroll young.
Pet Insurance for Great Danes: What to Know

Great Danes face bloat, hip dysplasia, heart disease, and bone cancer, big-breed risks with big bills. Here's what insurance should cover and why to enroll young.
Pet Insurance for Great Pyrenees: Hips, Bloat, and Bone Cancer

Great Pyrenees carry hip dysplasia, bloat, osteosarcoma, and Addison's disease on a giant frame. What pet insurance for Great Pyrenees costs and covers.
Pet Insurance for Havanese: Knees, Cataracts, and a Murmur

Havanese are prone to patellar luxation, hereditary cataracts, chondrodysplasia, and heart murmurs. What pet insurance for Havanese covers and roughly costs.
Pet Insurance for Labrador Retrievers: What to Know

Labradors are prone to hip and elbow dysplasia, obesity-related issues, and ear infections. Here's what pet insurance should cover for the breed.
Pet Insurance for Maine Coons: Covering the Heart Problem

Maine Coons carry a hereditary risk of hypertrophic cardiomyopathy, plus hip dysplasia. What pet insurance for a Maine Coon costs and what it needs to cover.
Pet Insurance for Maltese: Is It Worth It?

Maltese are prone to dental disease, luxating patellas, collapsing trachea, and liver shunts. What pet insurance costs for the breed and whether it pays off.
Pet Insurance for Miniature Schnauzers: Pancreas, Stones, Sugar

Miniature Schnauzers get pancreatitis, hyperlipidemia, calcium oxalate stones, diabetes, and dental disease. What pet insurance for Miniature Schnauzers covers.
Pet Insurance for Mixed Breed Dogs: Priced by Size, Not Pedigree

Mixed breed dogs are quoted by weight class, age, and ZIP code, not breed risk, so they're often cheaper to insure. Pet insurance for mixed breed dogs, priced.
Pet Insurance for Older Dogs: Is It Still Worth It?

You can insure a senior dog, but premiums are higher and pre-existing conditions are excluded. Here's how to decide whether it's still worth buying.
Pet Insurance for Persian Cats: Costs and Conditions

Persian cats are prone to polycystic kidney disease, flat-face breathing and eye problems, and dental issues. What pet insurance for a Persian costs and covers.
Pet Insurance for Pit Bulls: No Breed Bans, Just Breed Pricing

Pet health insurance has no breed bans the way homeowners cover does; the pages we checked list no breed exclusions. Pet insurance for pit bulls, explained.
Pet Insurance for Pomeranians: What a Good Policy Covers

Pomeranians are prone to collapsing trachea, luxating patellas, dental disease, and alopecia X. What pet insurance costs for a Pom and what it needs to cover.
Pet Insurance for Poodles: What to Know

Poodles are prone to Addison's disease, hip dysplasia, eye conditions, and patellar luxation, and risks vary by size. Here's what insurance should cover.
Pet Insurance for Pugs: What to Know

Pugs are flat-faced and prone to breathing problems, eye injuries, and skin fold infections. Here's what pet insurance should cover and why to enroll early.
Pet Insurance for Ragdolls: A Healthy Breed With One Expensive Exception

Ragdolls are mostly healthy, but hereditary hypertrophic cardiomyopathy, urinary disease, and dental problems still cost. What Ragdoll pet insurance covers.
Pet Insurance for Rescue Dogs: Unknown History, Clean Start

Pet insurance for rescue dogs works like any policy: insurers read the last 12 months of records, and a dog with none starts from its first exam. How to enroll.
Pet Insurance for Rottweilers: What to Know

Rottweilers are prone to joint disease, cruciate tears, bone cancer, and heart conditions. Here's what insurance should cover and why to enroll young.
Pet Insurance for Scottish Folds: The Cartilage Question

Scottish Folds all carry osteochondrodysplasia, a cartilage disorder that can cause lifelong arthritis. What pet insurance for Scottish Folds covers.
Pet Insurance for Senior Cats (Over 10): Who Still Enrolls Them

Most insurers still enroll a cat over 10; Trupanion and Embrace stop new accident-and-illness cover at 14. Pet insurance for senior cats, insurer by insurer.
Pet Insurance for Shih Tzus: Costs, Conditions, and Fine Print

Shih Tzus deal with breathing trouble, eye injuries, dental disease, and back problems. What pet insurance costs for the breed and the clauses worth reading.
Pet Insurance for Siamese Cats: Teeth, Lungs, and Eyes

Siamese cats are prone to dental disease, asthma, amyloidosis, retinal atrophy, and mediastinal lymphoma. What pet insurance for Siamese cats covers and costs.
Pet Insurance for Siberian Huskies: A Hardy Breed, Insured Sensibly

Siberian Huskies are hardy but prone to hip dysplasia, hereditary eye disease, and hypothyroidism. What pet insurance costs for a Husky and what to prioritize.
Pet Insurance for Sphynx Cats: Heart, Skin, and Gums

Sphynx cats carry hypertrophic cardiomyopathy plus skin and dental problems tied to hairlessness. What pet insurance for Sphynx cats covers and roughly costs.
Pet Insurance for Yorkshire Terriers: What to Know

Yorkies are prone to patellar luxation, collapsing trachea, dental disease, and liver shunts. Here's what pet insurance should cover for the breed.

By state

Pet Insurance in California: Costs and the 2025 Law

Pet insurance in California costs more than the US average of $836 a year for dogs and $435 for cats, and since 2025 state law caps waiting periods at 30 days.
Pet Insurance in Florida: What the 2026 Rules Change

Pet insurance in Florida runs above the US average of $836 a year for dogs and $435 for cats, and since 2026 state law caps waiting periods at 30 days.
Pet Insurance in Georgia: Costs and Why There Is No State Law

Pet insurance in Georgia costs less than the US average of $836 a year for dogs and $435 for cats. No Georgia statute exists, so the policy form sets the rules.
Pet Insurance in Illinois: Above-Average Costs and No Law Yet

Pet insurance in Illinois costs more than the US average of $836 a year for dogs and $435 for cats, and Illinois still has no pet insurance statute as of 2026.
Pet Insurance in Michigan: Costs, Coverage, and the Law Gap

Pet insurance in Michigan costs less than the US average of $836 a year for dogs and $435 for cats, but no Michigan law caps waiting periods or exclusions.
Pet Insurance in New York: Costs After the Vetoed Bill

Pet insurance in New York costs more than the US average of $836 a year for dogs and $435 for cats, and after a 2025 veto there's no state pet insurance law.
Pet Insurance in North Carolina: Costs, Risks, and Your Rights

Pet insurance in North Carolina costs a little less than the US average of $836 a year for dogs and $435 for cats, and no NC statute caps waiting periods.
Pet Insurance in Ohio: What the 2025 Law Guarantees You

Pet insurance in Ohio costs less than the US average of $836 a year for dogs and $435 for cats, and a 2025 state law caps illness waiting periods at 30 days.
Pet Insurance in Pennsylvania: Costs Under Act 19 of 2024

Pet insurance in Pennsylvania runs slightly above the US average of $836 a year for dogs and $435 for cats, and Act 19 of 2024 caps illness waits at 30 days.
Pet Insurance in Texas: Costs and Why There Is No State Law

Pet insurance in Texas costs less than the US average of $836 a year for dogs and $435 for cats. Texas has no pet insurance statute; it's inland marine cover.