Independent Guide
Pet Insurance Made Simple
Clear explanations, plan comparisons, and claim tips—so you can protect your dog or cat without confusion.
Tip: Premiums vary by breed, age, and location. Always compare multiple quotes and read exclusions carefully.
Quick Quote Checklist
- Pet species, breed, and age
- ZIP code or region
- Deductible & reimbursement preferences
- Pre existing condition history
- Add ons like wellness or dental
Popular Guides
Dog Insurance Basics
How canine breed risks, hip dysplasia, and cruciate ligament exclusions impact your coverage.
Cat Insurance Basics
Chronic conditions, dental issues, and the value of lifetime coverage for cats.
How to File a Claim
What documents to keep and how to avoid delays with pre-authorization.
Plan Types at a Glance
| Plan Type | Best For | Typical Coverage | Key Notes |
|---|---|---|---|
| Accident Only | Budget protection | Injury care | Does not cover illness |
| Accident & Illness | Most owners | Injury + illness | The most popular choice |
| Comprehensive | Maximum peace of mind | Accident/illness + some dental/chronic | Check lifetime caps |
| With Wellness Add-on | Routine care | Vaccines, checkups (as add-on) | Not available everywhere |
Before You Buy
- Compare at least three providers with similar deductibles.
- Read exclusions (e.g., bilateral conditions, waiting periods).
- Check dental and chronic condition coverage details.