Pet Insurance Providers: Compare and Contrast

Pet Insurance Providers: Compare and Contrast

A little girl shares a kiss with her Siberian Husky puppy.A little girl shares a kiss with her Siberian Husky puppy.
A little girl shares a kiss with her Siberian Husky puppy.A little girl shares a kiss with her Siberian Husky puppy.

PetPartners, Inc. is an indirect corporate affiliate of PetPlace.com. PetPlace may be compensated when you click on or make a purchase using the links in this article.

Table of Contents:

  1. AKC Pet Insurance
  2. Figo
  3. Pets Best
  4. PetFirst
  5. PetPartners Insurance
  6. Toto
  7. Choosing a Pet Insurance Provider

PetPartners, Inc. is an indirect corporate affiliate of PetPlace.com. PetPlace may be compensated when you click on or make a purchase using the links in this article.

The pet insurance industry is expanding as more pet owners look for options to protect their pets while helping their pet care budgets go further. Read on to learn more about some of the industry’s most notable providers.

AKC Pet Insurance

  • Founded: 2003
  • Eligibility: Cats and dogs over eight months of age are eligible for coverage. Only pets below the age of two are eligible to enroll in coverage for hereditary and congenital conditions. Pets over nine years of age are only eligible to enroll in accident coverage.
  • Premiums: AKC Pet Insurance premiums are based on a variety of factors including age, breed, and ZIP code. Other factors that help determine the figure include the chosen deductible, copay, and optional policy add-ons. Premiums start at $10/month for Accident and Illness coverage alone.
  • Deductible: AKC Pet Insurance enrollees can set their own annual deductibles, ranging from $100 to $1000.
  • Copays: Enrollees can choose from 70%, 80%, or 90% reimbursement on eligible expenses.
  • Annual Benefits: For AKC Pet Insurance enrollees, annual benefits can range from $2,500 to an unlimited benefit.
  • Waiting Periods: 2 days (accidents), 14 days (illnesses), 30 days (hereditary and congenital conditions), and 180 days (cruciate ligament injuries and Intervertebral Disc Disease).

What’s Covered?

AKC Pet Insurance offers standard accident and illness coverage and a range of optional add-ons covering routine expenses, hereditary conditions, and more.

  • Accidents and illnesses
  • Behavioral concerns
  • Cancer treatment
  • Chronic conditions
  • Diagnostic exams and imaging
  • Emergency care and hospitalization
  • Surgery
  • Holistic and alternative therapies (in some states)
  • Burial and cremation (optional)
  • Dental care (optional)
  • Deworming (optional)
  • Exam fees (optional)
  • Hereditary and congenital conditions (optional)
  • Microchipping (optional)
  • Prescriptions (optional)
  • Pest prevention (optional)
  • Spaying and neutering (optional)
  • Vaccinations (optional)
  • Wellness exams (optional)

What’s Not Covered?

  • Breeding
  • Elective and experimental procedures
  • Grooming
  • Pre-existing conditions

Figo

  • Founded: 2015
  • Eligibility: Cats and dogs over eight months of age are eligible for coverage. Figo does not impose an age limit for enrollees, but recommends that pet owners talk to their veterinarians before purchasing policies for dogs over eight years of age and cats over ten.
  • Premiums: Figo premiums are based on a variety of factors including age, breed, and ZIP code. Other factors that help determine the figure include the chosen deductible, copay, and optional policy add-ons.
  • Deductible: Figo enrollees are responsible for paying an annual deductible. These can range from $100 to $750.
  • Copays: Plans reimburse pet owners for 70%, 80%, 90%, or 100% of eligible expenses.
  • Annual Benefits: Essential ($5,000 annual benefit), Preferred ($10,000 annual benefit), Ultimate ($20,000 annual benefit for Washington and Massachusetts residents and unlimited annual benefit for all others).
  • Waiting Periods: 3 days (accidents) and 14 days (illnesses).

What’s Covered?

Figo’s three plans cover the same range of veterinary services. Enrollees have the option to select just a few additional benefits.

  • Accidents and illnesses
  • Alternative and holistic treatments
  • Ambulance services
  • Cancer treatments
  • Chronic conditions
  • Diagnostic imaging
  • Emergency and hospitalization fees
  • Euthanasia
  • Hereditary and congenital conditions
  • Mobility devices
  • Prescriptions
  • Surgery
  • Behavioral problems (up to $1000 for enrollees who select optional exam fee coverage and up to $500 for all others)
  • Exam fees (optional)
  • Prescription foods (optional)

What’s Not Covered?

  • Microchipping
  • Routine wellness exams
  • Routine dental care
  • Parasite prevention
  • Pre-existing conditions
  • Vaccinations

Pets Best

  • Founded: 2005
  • Eligibility: Cats and dogs over seven months of age are eligible to enroll, though certain restrictions may apply. There is no upper age limit for eligibility.
  • Premiums: Pets Best premiums are based on a variety of factors including a pet’s age, breed, and ZIP code. Other factors that help determine the figure include the chosen deductible, copay, and optional policy add-ons. Premiums for Accident Only plans begin as low as $6/month for cats and $9/month for dogs. In Washington, they begin at $7/month for cats and $10/month for dogs.
  • Deductible: Pets Best enrollees can select annual deductibles ranging, in $50 increments, from $50 to $1,000.
  • Copays: Plans reimburse pet owners for either 70%, 80%, or 90% of eligible expenses.
  • Annual Benefits: Pets Best plans offer either $5,000 in annual benefits or an unlimited annual benefit.
  • Waiting Periods: 3 days (accidents), 14 days (illnesses), and 6 months (cruciate ligament injuries).

What’s Covered?

In addition to standard BestBenefit accident and illness coverage, Pets Best offers the opportunity to select supplemental coverage for routine and preventive expenses.

  • Accidents and illnesses
  • Behavioral concerns
  • Cancer treatment
  • Dental care
  • Diagnostic exams and imaging
  • Emergency care and hospitalization
  • Euthanasia
  • Exam fees
  • Hereditary conditions
  • Mobility devices
  • Surgery
  • Acupuncture (optional)
  • Chiropractic care (optional)
  • Dental care (optional)
  • Deworming (optional)
  • Microchipping (optional)
  • Physical rehabilitation (optional)
  • Prescriptions (optional)
  • Some pest prevention (optional)
  • Spaying and neutering (optional)
  • Vaccinations (optional)

What’s Not Covered?

  • Breeding
  • Elective and experimental procedures
  • Grooming
  • Herbal and holistic therapy
  • Pre-existing conditions
  • Vitamins and supplements

PetFirst

  • Founded: 2004
  • Eligibility: Dogs and cats ages eight weeks and older are eligible for coverage from PetFirst. There is no upper age limit, but owners should expect to face some restrictions and pay a higher premium for older pets.
  • Premiums: PetFirst determines premiums based on several factors including age, breed, and ZIP code. Other factors that help determine the figure include the chosen deductible, copay, and optional policy add-ons.
  • Deductible: PetFirst enrollees are responsible for covering an annual deductible between $50 and $500.
  • Copays: Plans reimburse pet owners for 65%, 70%, 80%, 90%, or 100% of eligible expenses.
  • Annual Benefits: PetFirst suggests three levels of coverage, either $2,000, $5,000, or $10,000 in annual benefits. Enrollees have the option to customize their plans to a certain extent, but $10,000 is the maximum annual benefit amount. The optional routine care rider offers between $125 to $575 in additional annual benefits.
  • Waiting Periods: 1 day (accidents), 14 days (illnesses), and 6 months (cruciate ligament injuries and Intervertebral Disc Disease).

What’s Covered?

PetFirst’s standard plans cover a range of emergency expenses:

  • Accidents and illnesses
  • Behavioral concerns
  • Cancer treatment
  • Chronic conditions
  • Diagnostic exams and imaging
  • Emergency care and hospitalization
  • Exam fees
  • Euthanasia
  • Hereditary and congenital conditions
  • Holistic and alternative therapies
  • Mobility devices
  • Surgery
  • Dental care (optional)
  • Deworming (optional)
  • Microchipping (optional)
  • Prescriptions (optional)
  • Some pest prevention (optional)
  • Spaying and neutering (optional)
  • Vaccinations (optional)
  • Wellness exams (optional)

What’s Not Covered?

  • Breeding
  • Elective and experimental procedures
  • Grooming
  • Herbal and holistic therapy
  • Organ transplants
  • Pre-existing conditions
  • Vitamins and supplements

PetPartners Insurance

  • Founded: 2002
  • Eligibility: Cats and dogs over eight months of age are eligible for coverage. Pets older than nine years of age are only eligible for accident coverage.
  • Premiums: PetPartners premiums start as low as $15/month and vary based on factors including age, location, and optional policy add-ons.
  • Deductible: PetPartners enrollees are responsible for paying an annual deductible. These can range from $100 to $1,000.
  • Copays: PetPartners plans reimburse pet owners for 70%, 80%, or 90% of eligible expenses.
  • Annual Benefits: Enrollees can choose from several annual benefit amounts and some plans offer unlimited annual benefits.
  • Waiting Periods: 3 days (accidents), 14 days (illnesses), and 180 days (cruciate ligament injuries and Intervertebral Disc Disease)

What’s Covered?

In addition to standard accident and illness coverage, PetPartners offers enrollees the option to select a number of policy add-ons for additional fees.

  • Accidents and illnesses
  • Behavioral concerns
  • Cancer treatment
  • Chronic conditions
  • Diagnostic exams and imaging
  • Emergency care and hospitalization
  • Surgery
  • Holistic and alternative therapies (in some states)
  • Burial and cremation (optional)
  • Dental care (optional)
  • Deworming (optional)
  • Exam fees (optional)
  • Hereditary and congenital conditions (optional)
  • Microchipping (optional)
  • Prescriptions (optional)
  • Pest prevention (optional)
  • Spaying and neutering (optional)
  • Vaccinations (optional)

What’s Not Covered?

  • Breeding
  • Elective and experimental procedures
  • Grooming
  • Pre-existing conditions

Toto

  • Founded: 2018
  • Eligibility: All US dogs aged eight weeks and older and cats aged ten weeks and older. Coverage for hereditary and congenital conditions is only available to pets under nine years of age. Only pets under five years old are eligible for Final Respects coverage, offering reimbursement for cremation, burial, and other end-of-life expenses.
  • Premiums: Toto determines its premiums based on the age, breed, and ZIP code of enrolled pets. The benefits, deductible, and reimbursement amount chosen will also affect a plan’s premium. Toto notes that their plans can start at just $1 a day.
  • Deductible: Toto enrollees are responsible for paying an annual deductible. They have three different options to choose from.
  • Copays: Plans reimburse pet owners for 70%, 80%, or 90% of eligible expenses.
  • Annual Benefits: Toto’s three different Accident & Illness plans offer $2,500, $7,500, and $15,000 in annual benefits respectively.
  • Waiting Periods: 2 days (accidents), 14 days (illnesses), and 180 days (cruciate ligament injuries and Intervertebral Disc Disease).

What’s Covered?

Toto plans cover a standard variety of services, though certain restrictions apply based on a pet’s age at their time of enrollment. Pet owners have the option to pay extra fees for wellness coverage.

  • Accidents and illnesses
  • Alternative and holistic treatments
  • Cancer treatment
  • Cremation
  • Diagnostic imaging
  • Emergency care and hospitalization
  • Exam fees
  • Hereditary conditions
  • Lab tests
  • Memorials
  • Surgery
  • Nutritional supplements and vitamins
  • Prescriptions
  • Dental care (optional)
  • Deworming (optional)
  • Microchipping (optional)
  • Pest prevention (optional)
  • Spaying and neutering (optional)
  • Vaccinations (optional)

What’s Not Covered?

  • Breeding
  • Elective and experimental procedures
  • Grooming
  • Pre-existing conditions

Choosing a Pet Insurance Provider

As you can see, there are plenty of pet insurance companies out there. Only you can determine which is best for you and your pet. Take care to evaluate costs and coverage details carefully before making a decision.

Pet insurance can be a safety net for you and your pet,
helping your pet care budget go further.

Get a free quote from PetPartners today.

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