Compare Pet Insurance Plans

Compare pet insurance plans

What will your plan cover?

Most plans will not cover preexisting conditions, older pets, or certain breeds. (See definitions here.) Embrace and PetPlan cover hereditary diseases; most other companies do not.

Only Pet Assure covers pre-existing conditions.

Insurance plans also limit what veterinary services they will cover. It is essential to research what your plan will cover, as you will have to pay 100% for any excluded conditions.

The following are common insurance exclusions:

  • Breeding or conditions related to breeding
  • Congenital or hereditary defects or diseases
  • Dental services, even basic teeth cleaning or polishing
  • Elective procedures and cosmetic surgeries, including tail docking, declawing, skin folds removal, nail trimming and ear cropping
  • Euthanasia
  • Expression or removal of anal glands
  • Flea, tick, heartworm and other parasite prevention treatments
  • Grooming and bathing
  • Illness or injury that arises out of racing, guarding or other activities
  • Spaying and neutering
  • Special diets, pet food, vitamins and supplements
  • Training or therapy for behavioral problems