How To Choose Which Pet Insurance Plan to Buy

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Pets can have emergencies just like people, and having to pay out of pocket can become a huge expense. This is why pet insurance can become an important investment.
You should do some basic research about differences in plans and coverage before committing to a provider and starting to pay the premiums. Here are four major providers that have been consistently reviewed around the web.

Healthy Paws

Healthy Paws is generally considered one of the best options for most pet owners. They offer yearly deductibles that are either $100, $200, or $500 dollars, with all other expenses being paid by the coverage after that deductible is paid each year. They also cover more than half of all vet bills. Pet owners that require lots of high cost care should choose this provider with the low deductible, high coverage amounts, because paying a little more up front will save hundreds or thousands of dollars each year.

Pets Best

Pets Best is the best option for pet owners who do not plan on making many trips to the vet or an animal hospital and want to save money. They are very inexpensive and offer a wide range of deductibles. If you do not anticipate the need for consistent treatment, you can get an emergency only plan that will cover much of the cost of an unforeseen illness or accident and simply get a higher deductible to pay lower costs up front.


Embrace is another good option for those who want a plan more tailored to their individual needs. They offer significant levels of coverage for things like vet visits, accidents, or sickness. You can also customize a deductible and the amount you want to be reimbursed for certain expenses. Embrace is the only provider that also offers an option for regular pet care like grooming and vet checkups. If this provider sounds like a good fit for your situation, it is probably best to contact them directly and fully customize your plan.

Pet Plan

Pet Plan is another good general option for most pet owners. You can receive comprehensive coverage for anything that might happen to your pet plus get superior customer service. With this provider it is best to choose a comfortable deductible and go with a standard plan to cover medical expenses and emergencies.

About the Author

Mary Beth Eastman

Mary Beth Eastman serves as the content manager for Versus Reviews, where she is dedicated to helping readers compare popular products. Mary Beth has a degree in Journalism from Bowling Green State University and has focused her 20-year journalism career on putting readers front and center, carefully considering their concerns and presenting information that will help them in their everyday lives. She has won numerous statewide journalism awards. Her writing has been featured on numerous websites in addition to Versus Reviews, including the Huffington Post and the Lexington Law blog. Mary Beth resides in Pittsburgh, Pa., with her family and two rescue dogs.

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