🇺🇸 United States · USD
Pet insurance in United States, compared honestly
4 insurers, 6 head-to-head comparisons and a best-plan pick for 32 breeds — built on our own American vet-cost index rather than on commission.
Updated 2026-10-244 insurers, 6 head-to-head comparisons and a best-plan pick for 32 breeds — built on our own American vet-cost index rather than on commission.
Updated 2026-10-2490% reimbursement, no payout caps, pays many US clinics directly at checkout.
Get a quote →App-first, low base premiums, optional wellness add-ons for vaccines and dental.
Get a quote →Covers exam fees and dental illness, with a diminishing deductible each claim-free year.
Get a quote →One simple accident-and-illness plan, no annual or lifetime caps, fast claims.
Get a quote →Disclosure: some links are referral links. They never change your price. We list insurers we would consider ourselves, not whoever pays most.
| Big claim | Worst-case bill | You pay at 80% | You pay at 90% |
|---|---|---|---|
| ACL / Cruciate Repair (TPLO) | $6,800 | $1,700 | $1,060 |
| Foreign Body Surgery (swallowed object) | $5,100 | $1,360 | $890 |
| Cancer Treatment (chemo course) | $12,750 | $2,890 | $1,660 |
| Dental Cleaning with Extractions | $2,975 | $935 | $680 |
Assumes a $425 annual deductible, one claim year, USD. Every insurer prices and excludes differently — check the policy wording.
Modelled premiums (estimates, not quotes) for a healthy puppy typically run $41–$135 a month depending on breed, age and postcode.
It depends on what you could absorb in cash. The worst single bill we model in United States is $6,800. If that would go on credit, insurance is doing real work; if you keep that in savings, self-insuring is defensible.
Pre-existing conditions, anything inside the waiting period, and usually routine or elective care unless you buy a wellness add-on.
On fit rather than commission: breed risk from our cost index against each insurer's own published positioning. We do not hold anyone's rate cards and we say so on every page.