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Pet insurance
Say yes to the treatment your pet needs
Pet insurance helps cover unexpected vet bills for your dog or cat, so a sudden accident or illness doesn't come down to what you can afford. Compare plans and pick the coverage that fits your budget.
- Help cover accidents, illnesses and surgeries
- Keep your own vet — most plans let you
- Compare plans for cats and dogs, no obligation
- Compare in minutes
- Dogs and cats
- Free to compare
What's covered
What pet insurance can cover
Most plans reimburse a share of eligible vet bills after your deductible. Here's what a typical accident-and-illness plan often includes.
Accidents and injuries
Helps with vet bills from mishaps like broken bones, swallowed objects, cuts and other sudden accidental injuries.
Illnesses
Covers eligible treatment for illnesses such as infections, allergies, cancer and chronic conditions that develop after enrolment.
Surgery and hospitalization
Contributes toward operations, anesthesia and overnight stays when your pet needs more serious, hands-on care.
Diagnostics and tests
Helps pay for X-rays, ultrasounds, MRIs and bloodwork used to find out what's actually wrong with your pet.
Prescription medications
Covers eligible medicines your vet prescribes to treat a covered accident or illness, not just the visit itself.
Optional wellness add-ons
Some insurers offer routine-care extras for things like vaccines, dental cleanings and annual check-ups, for an added cost.
Why AltFTool
Why compare pet insurance here
Focus on care, not cost
When a big bill lands, coverage helps you weigh what's best for your pet rather than what fits your bank balance.
Keep your own vet
Most pet plans let you visit any licensed vet, and many cover emergency and specialist clinics too.
Build a plan that fits
Adjust your reimbursement level, deductible and annual limit to balance monthly cost against out-of-pocket bills.
Cats and dogs welcome
Compare options for dogs and cats across many ages and breeds, from a new puppy to a senior companion.
How it works
From quote to covered in four steps
Tell us about your pet
Share a few basics — whether it's a cat or dog, plus breed and age — to see relevant plans in a minute.
Compare plans
Line up options from different insurers side by side, with what's covered and what's excluded laid out clearly.
Choose your coverage
Pick your reimbursement percentage, deductible and annual limit to shape both your monthly cost and payouts.
Enrol your pet
Sign up with the insurer, then note the waiting period — coverage usually starts a few days after you enrol.
Good to know
What affects your pet insurance premium
Every quote is personalised to your pet. These are the factors insurers typically weigh most when pricing a plan.
- Species and breed
- Dogs often cost more to insure than cats, and breeds prone to hereditary or chronic conditions can raise the premium.
- Your pet's age
- Premiums usually rise as pets get older, since the odds of illness increase. Enrolling while young often locks in a lower starting rate.
- Where you live
- Local vet costs vary a lot by area, so your ZIP or region influences what the same treatment is expected to cost.
- Reimbursement level
- Choosing a higher reimbursement percentage means the insurer pays back more per claim, which raises your monthly premium.
- Deductible and annual limit
- A higher deductible or lower annual limit typically lowers the premium, but shifts more of each bill onto you.
Pet Insurance, made simple
Compare real quotes from trusted providers in one place and choose the coverage that fits — no pressure, no jargon, no obligation.
Questions
Pet Insurance FAQs
Most accident-and-illness plans help pay for eligible vet bills from injuries, illnesses, surgeries, diagnostics and prescribed medications. Routine or wellness care is usually an optional add-on, and every policy lists its own exclusions.
Generally no. Conditions your pet showed signs of before coverage started, or during the waiting period, are typically excluded. This is why enrolling while a pet is young and healthy can matter.
With most plans you pay the vet directly, then submit the bill to your insurer. They reimburse a percentage of the eligible amount after your deductible, based on the plan you chose.
Usually, yes. Most pet insurers let you visit any licensed veterinarian, including emergency and specialist clinics, rather than tying you to a set network.
Yes. Coverage doesn't start the moment you enrol — waiting periods are often a few days for accidents and longer for illnesses. Check each policy for the exact timing.
It depends on your pet and budget, but it tends to help most with large, unexpected bills from a serious accident or illness. It can make an expensive treatment decision far less stressful.
Compare pet insurance plans
See plans for your cat or dog side by side and pick the coverage that fits — free to compare, with no obligation to enrol.
AltFTool is not an insurance company or agency and does not sell insurance. Plans, coverage, eligibility and pricing are set by the insurer and vary by state and circumstances, including your pet's age, breed and health. Pre-existing conditions and waiting periods apply; read each policy for exact terms.