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Curious about pet insurance? TRAH reviews 6 plans with some good news!

Can a pet insurance plan save me money?

People with pets want to know: can a pet insurance plan save me money? Good question – lots of people ask it! Early in 2017, our Client Care Representative reviewed pet insurance plans online. Here are six plans, with comparisons outlined same to same as much as possible from information on each company’s website. 

“Our clients with pet insurance generally have pets who live longer because their pets get the routine care, as those items are covered once the deductible is met,” said Jeff Stroud, Office Manager.  “Another example is orthopedic surgery and rehab which costs $2200 – $4500, would be covered after the deductible is met.”

Read about the plans and see which – or if – one would be a good fit for you, and contact the insurance company directly. Please verify the coverage of the plan with the company before buying, as plans may change.


Healthy Paws Pet Insurance

♥ Insurance for Both Dogs & Cats

Coverage and Exclusions

  • Illness, accidents, hereditary conditions, congenital conditions, chronic conditions, cancer, diagnostic treatment, x-rays, blood tests, ultrasounds, surgery, hospitalization, prescription medications, emergency care, special care and alternative treatment.
  • Alternative care = chiropractic, hydrotherapy and acupuncture.
  • Common illness or accidents that are covered: cancer, liver disease, cushing’s disease, anemia, pneumonia, lymphoma, pancreatitis, IVDD, seizures, ringworm, poisoning, fractures, pyoderma, colitis, bloat, kennel cough and respiratory infections.
  • Exclusions: pre-existing conditions, the exam fee, and preventive care.
  • Pre-existing conditions= means that the condition first occurred or showed clinical signs or symptoms (there doesn’t need to be a diagnosis) before your pet’s coverage started, including waiting periods.
  • Preventative care example= spaying, neutering, vaccines, titer tests, flea control, heartworm meds, de-worming, nail trims, grooming, parasite control, dental health care (however, if there is an injury to the teeth caused by and accident, Healthy Paws will cover the cost of extractions or reconstruction.) and anal glad expressions.
  • Healthy Paws does not reimburse the costs, fees, or expenses associated for elective procedures, boarding, behavioral modification, training, therapy or medications for behavioral modification.

Plans for Dogs

  • There’s a plan for dogs from the ages of puppy to 6 years old.
  • There’s a plan for dogs from the age of 6 years old and up.
  • If the dog is enrolled before the age of six, hip dysplasia treatment is included in coverage at no extra cost.
  • Clients can enroll their dogs up until their 14th birthday.

Plans for Cats

  • There’s a plan for cats from the ages of kitten to 5 years old.
  • There’s a plan for cats from the age of 6 and up.
  • Clients can enroll their cats up until their 14th birthday.

Lifetime Discounts

  • 10% discount to animal welfare volunteers
  • 10% discount for military service
  • 10% discount for association or alumni organizations
  • 10% discount for membership groups
  • 15% discount for employer sponsored plans.          

Example Quotes

  • Bullmastiff Puppy – $77.83
  • Bloodhound Middle-aged Dog – $73.91
  • Rottweiler – $21.75 Senior – $98.24
  • Russian Blue Kitten – $20.06
  • Bengal Cat – $24.29


Trupanion Pet Insurance

♥ Insurance for Both Dogs & Cats

Coverage and Exclusions

  • Coverage: diagnostic tests, surgeries, hospitalization, prescription medications, veterinary supplements, prosthetic devices and carts.
  • Excluded: exam fees, applicable taxes, wellness care, preventative care and pre-existing conditions.
  • Pre-existing conditions = illnesses or injuries for which signs or evidence of their potential manifestation existed within the 18 months prior to the policy enrollment date. Illnesses or injuries masked or controlled by treatment or medication at any time during the 18 months prior to the policy enrollment date.
  • Dogs and cats can be enrolled any time before they’re 14 years old and have life time coverage.
  • Coverage applies anywhere in the U.S, Canada and Puerto Rico.

Pet Owner Assistance Package: Trupanion’s Pet Owner Assistance Package, available for an additional cost, helps provide financial protection against unforeseen events or circumstances caused by or associated with the pet. The Pet Owner Assistance Package helps protect renters, travelers, or those who may have medical issues themselves. It covers:

  • Third party property damage caused by your pet
  • Trip cancellation costs due to a sick or injured pet
  • Boarding fees if you are ever hospitalized
  • Advertising and reward costs for a lost pet
  • Cremation or burial costs for a pet who has suffered an accident

Example Quotes

  • Boston Terrier Puppy – $30.74
  • Mallinois Middle-aged dog – $53.19
  • Beagle Senior – $72.54
  • Cornish Rex Kitten – $39.64           
  • Egyptian Mau Cat – $37.29

Embrace Pet Insurance

♥ Insurance for Both Dogs & Cats


  • Breed specific conditions
  • Cancer treatment
  • Diagnostic testing and imaging (e.g. x-rays, ultrasound, MRI)
  • Prosthetic limbs and devices including mobility aids
  • Surgery, hospitalization, and nursing care
  • Alternative therapies and rehabilitation
  • ER and specialist care
  • Prescription drug coverage
  • Behavioral therapy
  • Annual Check-ups
  • Spay/neuter procedures
  • Vaccines
  • Heartworm medications
  • Teeth cleaning

Pets must be ages 14 and younger to sign up for a new accident and illness policy. If the pet is older or has been diagnosed with or shown symptoms or Diabetes, Cushing’s disease, Addison’s disease or FeLV/FIV before enrolling, Embrace offers an accident-only plan along with the optional Wellness Rewards.


  • Pre-existing conditions
  • Breeding, whelping and pregnancy
  • Injury caused deliberately by owner or any other person or pet residing in the home
  • Injury or illness resulting from fighting, racing, cruelty or neglect
  • Cosmetic procedures such as tail docking, ear cropping, dew claw removal (although covered when medically necessary)
  • DNA testing or cloning
  • Organ transplants
  • Stem cell therapy not deemed medically necessary
  • Avian flu or nuclear war
  • Treatment for an illness related to the teeth and/or gums (Embrace offers help paying for teeth cleanings or dental illness with Wellness Rewards)

Example Quotes

  • Malamute Puppy – $30.77
  • Chihuahua Middle-aged dog – $20.77
  • Pug Senior – $38.12
  • Himalayan Kitten – $13.14
  • DLH Cat – $17.92


Nationwide Pet Insurance

♥ Insurance for Both Dogs & Cats

Complete Coverage

  • Accidents and illness
  • Surgery and hospitalization
  • Prescriptions
  • Chronic conditions
  • Hereditary conditions
  • Wellness exams and tests
  • Flea/heartworm prevention
  • Vaccines
  • No age restrictions or maximum benefit. Plans start at $64/month.

Medical Coverage

  • Accidents and illness
  • Surgery and hospitalization
  • Some hereditary conditions (after one-year waiting period)
  • Set benefit amounts renew in full each year. Plans start at $34/month.

Wellness Coverage

  • Wellness exams and tests
  • Flea/heartworm prevention
  • Vaccines
  • No age restrictions. Plans start at $22/month.


  • Grooming
  • Tax
  • Waste disposal
  • Boarding
  • Pre-existing conditions
  • Premiums vary based on the species of the pet, plan type and state of residence. Wellness plans not available in all states.

Example quotes

  • Lab puppy – $17.75/month
  • Golden Middle-aged dog – $17.75/month                       
  • German Shepherd Senior – $70.65/ month
  • DSH Kitten – $14/month                                                           
  • DLH Cat – $14/month


Pet Plan Pet Insurance

♥ Insurance for Both Dogs & Cats


  • Accidents and injuries
  • Illnesses
  • Veterinary exam fees
  • Imaging (MRI, cat scan, ultrasound, x rays)
  • Diagnostic treatments
  • Prescription medications
  • Cancer treatment
  • Dental treatments (non- routine)
  • Surgery and rehabilitation
  • Alternative therapies
  • Referral and specialist treatment

Also covered with $15k+ annual Vet coverage

  • Loss due to theft or straying
  • Death from illness or injury
  • Advertising and reward
  • Vacation cancellation
  • Boarding fees
  • Behavioral therapies

Options / Notes

  • Clients choose how much coverage they want each year ($2,500 to unlimited)
  • Clients choose their annual deductible amount ($100-$1,000)
  • Clients pick the desired level of reimbursement (70%, 80%, or 90%)

Example Quotes

  • English Bulldog Puppy – $31.86/month
  • Heeler Middle-aged dog – $21.52
  • Dachshund Senior – $50.22
  • DSH Kitten – $19.66
  • DLH Cat – $25.68


Pet’s Best Pet Insurance

♥ Insurance for Both Dogs & Cats


  • Accidents
  • Illnesses
  • Cancer treatment
  • Hereditary and congenital conditions
  • Emergency care, hospitalization, and surgery
  • Prescription medications
  • Ongoing and chronic conditions
  • Diagnostics
  • Physical rehabilitation
  • Older pets
  • Behavioral conditions
  • Pregnancy
  • Euthanasia and cremation
  • Prosthetic devices and wheelchairs
  • Traveling


  • Pre-existing conditions
  • Parasites
  • Non Veterinary expenses (food, special diets, vitamins, supplements, etc.)
  • Elective and preventative procedures
  • Herbal, holistic, and experimental therapies and medications

Wellness routine care coverage can be added to any plan for an additional premium. Routine care coverage helps pay for your pets regular and expected veterinary visits for items like shots and teeth cleaning.

Example Quotes

  • Boxer Puppy – $39.28
  • Schnauzer Middle-aged dog – $29.62
  • Maltese Senior – $67.21
  • DSH Kitten – $14.09
  • Mixed Cat – $19.01

We hope this information helps you make an informed decision.

Please stop by if you would like a free print copy of Tiara Rado’s Pet Insurance Booklet.