When it comes to choosing the pet insurance plan that’s most suitable for your pet’s needs and doesn’t hurt your budget, performing an extensive comparison of the top pet insurers is fundamental.

Wouldn’t it be amazing if you could discover a resource that would demonstrate the monthly premiums of all the best pet insurance companies in one compact guide?

In this article, we did exactly that! We took the most popular breeds of cats and dogs and pulled quotes about their monthly pet insurance costs from 43 pet insurance providers.

Here, you’ll discover all the costs and limitations these companies have when obtaining a pet insurance policy through them.

Comparing the Top Pet Insurance Companies

Before we begin with the actual comparison of monthly prices, we decided to provide some necessary info for each of the companies we curated for our article.

With the charts below, you’ve got the chance to explore the most important conditions you and each of the companies will have to meet after signing the mutual agreement.

This will be extremely helpful in case you want to tailor the monthly price of your plan. Remember, the higher the limits, deductible, and co-payment are, the lower your monthly premium will be – and vice-versa.

Note: To learn everything about the companies mentioned below and get a comprehensive overview of the pet insurance lingo, visit our “Best Pet Insurance Companies 2021: The Ultimate Overview” article.

Policy Details

CompanyDeductibleWellness CoverageExam FeesEntry FeeMonthly Transaction Fee
Nationwide
$250
🗙$2.00
Embrace$200 – $1,000$25.00$1.00
Healthy Paws$100 – $1,000🗙🗙$25.00🗙
ASPCA$100 – $500🗙$2.00
Figo$100 – $1,500🗙Extra fee$15.00$2.00
VPI
$250
🗙$2.00
Progressive$50 – $1,000Extra fee🗙$2.00
Trupanion$0 – $1,000🗙🗙$35.00🗙
GEICO$200 – $1,000$25.00$1.00
Bivvy$50 – $250🗙🗙
AKC$100 – $1,000Extra fee🗙$3.00
USAA$200 – $1,000$25.00$1.00
Petplan$250 – $500🗙🗙$1.50/$3.50
Petco$100 – $500🗙🗙$2.00
State Farm$0 – $1,000🗙🗙$35.00🗙
Hartville$100 – $500🗙$2.00
PetFirst$50 – $500$12.00$3.00
Pets Best$50 – $1,000Extra fee🗙$2.00
24PetWatch$100 – $1,000🗙$2.50
Prudent Pet$100 – $1.000Extra fee🗙$2.00
SPOT$100 – $1,000🗙$2.00
PetPartners$100 – $1,000Extra fee🗙$3.00
Pumpkin$100 – $500🗙$2.00
Eusoh$250$48.00🗙
Pet Assure$0🗙🗙
Allstate$200 – $1,000$25.00$1.00
MetLife$50 – $500$12.00$3.00
AAA$100 – $750🗙🗙$25.00🗙
AARP$250 – $500🗙🗙$1.50/$3.50
Liberty Mutual$100 – $500🗙$2.00
VCA$0🗙🗙
Lemonade$100 – $500Extra fee🗙🗙
APIC$0 – $1,000All except TrupanionDepends on provider$35.00 for Trupanion$0.00 for Trupanion; $2.00-$3.00 rest
Wells Fargo Health Advantage
$0
🗙🗙
Banfield$0$60.95🗙
AAHA$250 – $500🗙🗙$1.50/$3.50
Wagmo$500 – $1,00034% of the first monthly premium🗙
Odie$50 – $1,000Extra fee🗙$2.00
Bingo$250 – $1,000🗙$3.00
Companion Protect$50 for in-house vets$100 for other vets🗙🗙🗙$2.00
TrustedPals$0 – $750🗙$1.00
Pawp$0🗙🗙🗙🗙
Toto$100 – $500🗙$3.00

Coverage Limitations

CompanyReimbursementCo-PayClaim Limit OptionsWaiting Periods
AccidentsIllnesses
Nationwide
50%, 70%, 90%

50%, 30%, 10%
$10,000 – Unlimited, Benefits Schedule14 days14 days
Embrace70%, 80%, 90%30%, 20%, 10%$5,000 – $30,0002 days14 days
Healthy Paws50%, 60%, 70%, 80%, 90%50%, 40%, 30%, 20%, 10%Unlimited15 days15 days
ASPCA70%, 80%, 90%30%, 20%, 10%$3,000 – $15,00014 days14 days
Figo70% – 100%30% – 0%$5,000 – Unlimited3 days14 days
VPI
50%, 70%, 90%

50%, 30%, 10%
$10,000 – Unlimited, Benefits Schedule14 days14 days
Progressive70%, 80%, 90%30%, 20%, 10%$5,000 – Unlimited3 days14 days
Trupanion90%10%Unlimited5 days30 days
GEICO70%, 80%, 90%30%, 20%, 10%$5,000 – Unlimited2 days14 days
Bivvy50%50%$1,000 – $5,00014 days30 days
AKC70%, 80%, 90%30%, 20%, 10%$3,000 – $10,0002 days14 days
USAA70%, 80%, 90%30%, 20%, 10%$5,000 – Unlimited2 days14 days
Petplan70%, 80%, 90%30%, 20%, 10%$5,000 – Unlimited15 days15 days
Petco70%, 80%, 90%30%, 20%, 10%$5,000 – Unlimited15 days15 days
State Farm90%10%Unlimited5 days30 days
Hartville70%, 80%, 90%30%, 20%, 10%$2,500 – $10,00014 days14 days
PetFirst70%, 80%, 90%30%, 20%, 10%$2,000 – $10,0001 day14 days
Pets Best70%, 80%, 90%30%, 20%, 10%$5,000 – Unlimited3 days14 days
24PetWatch80%20%$5,000 – $20,0000 days14 or 30 days
Prudent Pet70%, 80%, 90%30%, 20%, 10%$10,000 – Unlimited5 days14 days
SPOT70%, 80%, 90%30%, 20%, 10%$2,500 – Unlimited14 days14 days
PetPartners70%, 80%, 90%30%, 20%, 10%$1,000 – Unlimited2 days14 days
Pumpkin90%10%$10,000 or $20,000 – dogs
$7,000 or $15,000 – cats
14 days14 days
Eusoh80%20%$8,50030 days30 days
Pet Assure25%75%Unlimited0 days0 days
Allstate70%, 80%, 90%30%, 20%, 10%$5,000 – Unlimited2 days14 days
MetLife70%, 80%, 90%30%, 20%, 10%$2,000 – $10,0001 day14 days
AAA60%, 70%, 80%, 90%40%,30%, 20%, 10%Unlimited15 days15 days
AARP70%, 80%, 90%30%, 20%, 10%$5,000 – Unlimited15 days15 days
Liberty Mutual70%, 80%, 90%30%, 20%, 10%$5,000 – Unlimited14 days14 days
VCA100%0%Unlimited0 days0 days
Lemonade70%, 80%, 90%30%, 20%, 10%$5,000 – $100,0002 days14 days
APIC70%, 80%, 90%30%, 20%, 10%$1,000 – Unlimited2-5 days14-30 days
Wells Fargo Health Advantage
Credit-based payment

100%

Unlimited
0 days0 days
Banfield100%0%Unlimited0 days0 days
AAHA70%, 80%, 90%30%, 20%, 10%$5,000 – Unlimited15 days15 days
Wagmo100%0%$20,00015 days15 days
Odie70%, 80%, 90%30%, 20%, 10%$5,000-$40,0003 days14 days
Bingo80%20%$50,000N/AN/A
Companion Protect90% for in-network vets80% for other vets10% for in-network vets20% for other vets
$100,000
Upon medical reviews examinationUpon medical reviews examination
TrustedPals70%, 80%, 90%, 100%30%, 20%, 10%, 0%$4,000 – Unlimited14 days14 days
Pawp100%0%$3,00014 days🗙
Toto70%, 80%, 90%30%, 20%, 10%$2,500 – $15,0002 days14 days

Pricing Quotes

Sample 1: Dog

  • Breed: German Shepherd;
  • Gender: Male;
  • Age: 2 years 4 months;
  • Location: Lake Placid, New York;
  • Date of quote: April 2021.
CompanyDeductibleClaim LimitReimbursementMonthly Premium
Nationwide$250$10,00090%$94.92
Embrace$500$15,00090%$98.84
Healthy Paws$250Unlimited80%$84.40
ASPCA$250$10,00090%$90.76
Figo$500$10,000100%$92.94
VPI$250$10,00090%$94.92
Progressive$250Unlimited90%$80.87
Trupanion$500Unlimited90%$125.63
GEICO$500$15,00090%$98.84
Bivvy$100$2,00050%$11.00
AKC$100$15,00090%$92.55
USAA$500$15,00090%$84.01
Petplan$250$15,00090%$85.69
Petco$250$15,00090%$101.05
State Farm$500Unlimited90%$125.63
Hartville$250$10,00090%$90.76
PetFirst$250$10,00090%$82.42
Pets Best$250Unlimited90%$80.87
24PetWatch$250$10,00080%$81.91
Prudent Pet$250$10,00080%$99.67
SPOT$250$10,00090%$103.73
PetPartners$250Unlimited90%$88.49
Pumpkin$250$10,00090%$90.76
Eusoh$250$8.50080%$65
Pet Assure$0Unlimited25% discount$11.95
Allstate$500$15,00090%$98.84
MetLife$250$10,00090%$82.42
AAA$250Unlimited80%$84.40
AARP$250$15,00090%$77.12
Liberty Mutual$250$10,00080%$95.39
VCA$0Unlimited100% for Wellness $50,00
Lemonade$250$20,00090%$40.58
APICCheck individual prices for Trupanion, AKC, Pets Best, and PetPartners above.
Wells Fargo Health Advantage$0Unlimited100%Full vet bill + interest
Banfield$0Unlimited100% for Wellness$38.95
AAHA$250$15,00090%$85.69
Wagmo$500$20,000100%$82.10
Odie$500$40,00090%$45.54
Bingo$250$100,00080%$83.13
Companion Protect$50$100,00090%$71.99
TrustedPals$100Unlimited90%$106.00
Pawp$0$3,000100% for one accident$19.00
Toto$250$15,00090%$59.94

Sample 2: Dog

  • Breed: French Bulldog;
  • Gender: Male;
  • Age: 4 years 2 months;
  • Location: Sacramento, California;
  • Date of quote: April 2021.
CompanyDeductibleClaim LimitReimbursementMonthly Premium
Nationwide$250$10,00090%$98.54
Embrace$300$5,00080%$77.65
Healthy Paws$500Unlimited70%$105.22
ASPCA$250$7.00080%$88.52
Figo$250$5,00080%$89.13
VPI$250$10,00090%$98.54
Progressive$500Unlimited80%$113.16
Trupanion$500Unlimited90%$215.57
GEICO$300$5,00080%$77.65
Bivvy$250$3,50050%$11.00
AKC$250$10,00090%$96.21
USAA$300$5,00080%$66.00
Petplan$300$15,00080%$88.58
Petco$250$10,00080%$115.25
State Farm$500Unlimited90%$215.57
Hartville$250$7.00080%$88.52
PetFirst$250$10,00080%$105.51
Pets Best$500Unlimited80%$113.16
24PetWatch$250$20,00080%$80.52
Prudent Pet$500$10,00080%$105.82
SPOT$250$7,00090%$95.82
PetPartners$250Unlimited80%$92.84
Pumpkin$500$10,00090%$102.51
Eusoh$250$8.50080%$65
Pet Assure$0Unlimited25% discount$11.95
Allstate$300$5,00080%$77.65
MetLife$250$10,000$80$105.51
AAA$500Unlimited70%$105.22
AARP$300$15,00080%$79.73
Liberty Mutual$250$10,00090%$82.89
VCA$0Unlimited100% for Wellness $50,00
Lemonade$250$10,00090%$94.83
APICCheck individual prices for Trupanion, AKC, Pets Best, and PetPartners above.
Wells Fargo Health Advantage$0Unlimited100%Full vet bill + interest
Banfield$0Unlimited100% for Wellness$42.95
AAHA$300$15,00080%$88.58
Wagmo$500$20,000100%$69.56
Odie$500$40,00090%$77.62
Bingo$250$100,00080%$69.38
Companion Protect$50$100,00090%$47.99
TrustedPals$250$8,00080%$73.00
Pawp$0$3,000100% for one accident$19.00
Toto$500$15,00080%$89.50

Sample 3: Dog

  • Breed: Labrador Retriever;
  • Gender: Female;
  • Age: 6 years 6 months;
  • Location: Boulder, Colorado;
  • Date of quote: April 2021.
CompanyDeductibleClaim LimitReimbursementMonthly Premium
Nationwide$250Per-incidentPer-incident$111.64
Embrace$200$10,00080%$118.46
Healthy Paws$500Unlimited70%$78.51
ASPCA$500$7,00080%$93.26
Figo$500$10,00080%$106.75
VPI$250Per-incidentPer-incident$111.64
Progressive$500Unlimited90%$100.69
Trupanion$500Unlimited90%$131.81
GEICO$200$10,00080%$118.46
Bivvy$100$2.00050%$15.00
AKC$500$10,00020%$100.49
USAA$200$10,00080%$100.69
Petplan$500$15,00080%$98.90
Petco$500$10,00080%$109.41
State Farm$500Unlimited90%$131.81
Hartville$500$7,00080%$93.26
PetFirst$500$10,00080%$112.74
Pets Best$500Unlimited90%$100.69
24PetWatch$250$10,00080%$78.97
Prudent Pet$250$10,00080%$104.19
SPOT$500$7,00090%$100.78
PetPartners$500$10,00080%$100.49
Pumpkin$500$10,00090%$148.14
Eusoh$250$8.50080%$65.00
Pet Assure$0Unlimited25% discount$11.95
Allstate$200$10,00080%$118.46
MetLife$500$10,00080%$112.74
AAA$500Unlimited70%$78.51
AARP$500$15,00080%$89.01
Liberty Mutual$500$10,00080%$82.88
VCA$0Unlimited100% for Wellness $50,00
Lemonade$250$20,00090%$93.33
APICCheck individual prices for Trupanion, AKC, Pets Best, and PetPartners above.
Wells Fargo Health Advantage$0Unlimited100%Full vet bill + interest
Banfield$0Unlimited100% for Wellness$33.95
AAHA$500$15,00080%$98.90
Wagmo$500$20,000100%$81.85
Odie$500$40,00090%$94.01
Bingo$250$100,00080%$82.11
Companion Protect$50$100,00090%$83.99
TrustedPals$250$80,00080%$82
Pawp$0$3,000100% for one accident$19.00
Toto$500$7,50080%$123.57

Sample 4: Cat

  • Breed: Siamese;
  • Gender: Male;
  • Age: 2 years 5 months;
  • Location: Brooklyn, New York;
  • Date of quote: April 2021.
CompanyDeductibleClaim LimitReimbursementMonthly Premium
Nationwide$250$10,00090%$61.08
Embrace$500$10,00090%$62.33
Healthy Paws$250Unlimited80%$26.24
ASPCA$250$10,00080%$40.44
Figo$250$10,00080%$39.80
VPI$250$10,00090%$61.08
Progressive$250Unlimited90%$31.68
Trupanion$500Unlimited90%$47.94
GEICO$500$10,00090%$62.33
Bivvy$100$2,00050%$11.00
AKC$250Unlimited80%$42.13
USAA$500$10,00090%$62.33
Petplan$300$15,00080%$24.84
Petco$250$10,00080%$40.44
State Farm$500Unlimited90%$47.94
Hartville$250$5,00080%$28.53
PetFirst$250$5,00080%$27.70
Pets Best$250Unlimited90%$31.68
24PetWatch$250$5,00080%$39.42
Prudent Pet$500$10,00080%$25.70
SPOT$250$5,00080%$28.53
PetPartners$250Unlimited80%$42.13
Pumpkin$500$15,00090%$39.22
Eusoh$250$8.50080%$65.00
Pet Assure$0Unlimited25% discount$9.95
Allstate$500$10,00090%$62.33
MetLife$250$5,00080%$27.70
AAA$250Unlimited80%$26.24
AARP$300$15,00080%$24.84
Liberty Mutual$500$10,00080%$35.66
VCA$0Unlimited100% for Wellness $50,00
Lemonade$250$20,00080%$28.42
APICCheck individual prices for Trupanion, AKC, Pets Best, and PetPartners above.
Wells Fargo Health Advantage$0Unlimited100%Full vet bill + interest
Banfield$0Unlimited100% for Wellness$32.95
AAHA$300$15,00080%$24.84
Wagmo$1000$20,000100%$66.54
Odie$500$40,00090%$24.55
Companion Protect$50$100,00090%$35.99
TrustedPals$250$8,00080%$49.00
Pawp$0$3,000100% for one accident$19.00
Toto$250$7,50080%$24.92

Sample 5: Cat

  • Breed: Persian;
  • Gender: Male;
  • Age: 4 years 1 month;
  • Location: Aurora, Colorado;
  • Date of quote: April 2021.
CompanyDeductibleClaim LimitReimbursementMonthly Premium
Nationwide$250$10,00090%$53.12
Embrace$500$10,00090%$45.29
Healthy Paws$250Unlimited80%$35.11
ASPCA$250$10,00080%$38.62
Figo$250$10,00080%$32.52
VPI$250$10,00090%$53.12
Progressive$250Unlimited90%$24.28
Trupanion$500Unlimited90%$66.91
GEICO$500$10,00090%$45.29
Bivvy$250$3,50050%$11.00
AKC$250Unlimited80%$48.19
USAA$500$10,00090%$45.29
Petplan$300$15,00080%$35.06
Petco$250$10,00080%$38.62
State Farm$500Unlimited90%$66.91
Hartville$250$5,00080%$27.25
PetFirst$250$5,00080%$22.46
Pets Best$250Unlimited90%$24.28
24PetWatch$250$5,00080%$29.56
Prudent Pet$500$10,00080%$29.71
SPOT$250$5,00080%$27.25
PetPartners$250Unlimited80%$34.74
Pumpkin$500$15,00090%$36.70
Eusoh$250$8.50080%$65.00
Pet Assure$0Unlimited25% discount$9.95
Allstate$500$10,00090%$45.29
MetLife$250$5,00080%$22.46
AAA$250Unlimited80%$35.11
AARP$300$15,00080%$35.06
Liberty Mutual$500$10,00080%$30.03
VCA$0Unlimited100% for Wellness $50,00
Lemonade$250$20,00080%$43.25
APICCheck individual prices for Trupanion, AKC, Pets Best, and PetPartners above.
Wells Fargo Health Advantage$0Unlimited100%Full vet bill + interest
Banfield$0Unlimited100% for Wellness$26.95
AAHA$300$15,00080%$35.06
Wagmo$1000$20,000100%$58.17
Odie$500$40,00090%$32.76
Companion Protect$50$100,00090%$27.99
TrustedPals$250$8,00080%$40.00
Pawp$0$3,000100% for one accident$19.00
Toto$250$7,50080%$39.33

Sample 6: Cat

  • Breed: Abyssinian;
  • Gender: Female;
  • Age: 8 years 2 months;
  • Location: San Diego, California;
  • Date of quote: April 2021.
CompanyDeductibleClaim LimitReimbursementMonthly Premium
Nationwide$250$10,00090%$83.03
Embrace$500$10,00090%$36.88
Healthy Paws$250Unlimited80%$31.85
ASPCA$250$10,00080%$79.88
Figo$250$10,00080%$46.55
VPI$250$10,00090%$83.03
Progressive$250Unlimited90%$95.89
Trupanion$500Unlimited90%$98.45
GEICO$500$10,00090%$36.88
Bivvy$100$2,00050%$15.00
AKC$250Unlimited80%$59.53
USAA$500$10,00090%$36.88
Petplan$300$15,00080%$88.88
Petco$250$10,00080%$79.98
State Farm$500Unlimited90%$98.45
Hartville$250$5,00080%$51.67
PetFirst$250$5,00080%$36.76
Pets Best$250Unlimited90%$95.89
24PetWatch$250$5,00080%$38.01
Prudent Pet$500$10,00080%$54.97
SPOT$250$5,00080%$51.67
PetPartners$250Unlimited80%$59.53
Pumpkin$500$15,00090%$74.66
Eusoh$250$8.50080%$65.00
Pet Assure$0Unlimited25% discount$9.95
Allstate$500$10,00090%$36.88
MetLife$250$5,00080%$36.76
AAA$250Unlimited80%$31.85
AARP$300$15,00080%$88.88
Liberty Mutual$500$10,00080%$33.82
VCA$0Unlimited100% for Wellness $50,00
Lemonade$250$20,00080%$45.75
APICCheck individual prices for Trupanion, AKC, Pets Best, and PetPartners above.
Wells Fargo Health Advantage$0Unlimited100%Full vet bill + interest
Banfield$0Unlimited100% for Wellness$33.95
AAHA$300$15,00080%$88.88
Wagmo$1000$20,000100%$61.47
Odie$500$40,00090%$52.41
Companion Protect$50$100,00090%$35.99
TrustedPals$250$8,00080%$50.00
Pawp$0$3,000100% for one accident$19.00
Toto$250$7,50080%$62.28

Conclusion

Now you know more on what to expect when opting for pet insurance.

When it comes to the monthly price of pet insurance, it’s worth mentioning that you should always fetch a quote yourself. Providing your pet’s details will grant the most accurate price result.

To wrap up, a key takeaway is that you shouldn’t always go for the cheapest options. Factors such as customer service, client satisfaction, and the extent of the coverage provided are extremely important and can often seal the deal.

F.A.Q.

What should I know when comparing pet insurance costs?

The most important info you should always have at hand is:

  • Your pet’s breed, gender, age, size, and any underlying conditions;
  • How much you paid to get your pet;
  • If they are spayed/neutered;
  • If they are microchipped.

Is it worth paying for pet insurance?

Usually, paying out of pocket for treating the most common can and dog conditions is cheaper than pet insurance in the long run. However, it’s important to know that having pet insurance will always help with the more expensive and rare illnesses and injuries such as cancers or bone fractures.

Is paying for pet insurance better if it’s monthly or annually?

If you can afford to separate more money from your budget for your pet, then an annual bill would definitely save you some cash. Like with many other monthly services, paying upfront is usually discounted and most companies waive the monthly transaction fees that come with a monthly bill payment.

How to get top-quality pet insurance for less money?

Here’s what you can do to make sure you always get affordable offers:

  • Higher deductible and lower payout limits result in lower monthly premiums;
  • Opting for annual billing always saves money;
  • Discounts for military, veterans, kennel/cattery club members, students, and owners of multiple pets are often available;
  • Keeping your furry companions healthy will also help lowering your monthly premiums.