Maximum annual coverage
$5,000 - $100,000
Reimbursement choices
70%, 80%, 90%
Deductible choices
$100, $250, $500
This tool lets you compare pet insurance plans side-by-side. Here’s how to use it.
Common options: $100, $250, $500, $750, $1000
Recommended: $250 or $500
The higher your deductible is, the lower your monthly payments will be. That said, you’ll be required to meet your deductible for each new-occuring illness or accident per vist. Therefore you’ll want to balance your deductible moderately. Aim for at least $250 to keep your premium low, but if you can afford it, consider upping it to $500.
Common Options: 70%, 80%, 90%
Recommended: 80%
The higher your reimbursement rate, the more money you will receive back from the insurance company after paying the deductible. That said, a higher reimbursement rate also means your monthly costs will be slightly higher.
We recommend opting for 80% reimbursement as it’s not too high that the plan becomes unaffordable, but it’s still enough to get a considerable amount of money back from the provider.
Common options: $2,500 $5,000, $10,000, $20,000, Unlimited
Recommended: $5,000 or $10,000
$2,500 is likely too low in most scenarios that require surgery. Opting for $20,000 or higher can make your plan too expensive. While you can opt for unlimited coverage, we don’t always recommend this as it may not be necessary. Most expensive vet bills end up under $10,000, and more commonly, surgeries cost closer to $5,000. It’s unlikely you’ll need to max out a $10,000 plan, but if you want catastrophic coveragem this may be your best bet.
That said, $5,000 of coverage may be enough for most scenarios.