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Best Pet Insurance Plans & Companies of September 2023

Unlimited claims
No upper age limit
No credit checks
Multiple pet discounts
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KEY TAKEAWAYS

  • Based on our research, the best pet insurance plans come from: Paw Protect, Spot, Lemonade, CarePlus by Chewy, Pumpkin, Healthy Paws, Pets Best, Figo, Embrace, and Fetch (skip ahead to view these plans).
  • All of the providers on our list of the best pet insurance for 2023 offer great coverage and customizable plans to fit a range of budgets and needs.
  • Paw Protect stood out to us for its ample coverage and the ease of paying the vet directly on behalf of its customers. 
  • We also found Spot to be a standout for offering some of the most comprehensive coverage available on the market at quite affordable prices. 
  • To find the best pet insurance for you, we recommend taking a close look at your actual coverage needs and getting quotes from multiple providers.
  • Using an online comparison tool will allow you to get personalized quotes, side-by-side, from multiple providers. This can help save you time and ensure you get the most competitive price.

The average cost of a routine vet checkup ranges from $50 to $250. That’s why it’s so important to plan ahead when it comes to paying for veterinary care. 

Pet health insurance gives you peace of mind by reimbursing you for a significant percentage of covered medical expenses. But how do you find the best insurance for your pet?

In this guide, we’ll break down:

  • What pet health insurance is
  • What it covers and excludes 
  • How much it costs and how to save
  • How to compare pet insurance plans

With this information, you’ll have the tools you need to find the right pet insurance to suit your pet’s needs and your budget.

So without further delay, here are our top picks for the best pet insurance plans and companies.

Our picks for the best pet insurance

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Best for Paying Vet Bills Up-front

Paw Protect

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Maximum annual coverage
$5,000 - Unlimited
Reimbursement choices
70%, 80%, 90%
Deductible choices
$100, $250, $500

Why We Like It

Paw Protect is a relatively new provider but has taken the market by storm. One of its main draws is that it offers customers a $2,000 interest-free charge card that can be used to pay the vet directly, so you have no out-of-pocket expenses. Most other providers require you to pay upfront and be reimbursed.

Paw Protect offers an accident & illness plan as well as an optional Wellness plan available as an add-on. Like some other providers, it comes with 24/7 telemedicine coverage which allows you to speak to a vet in case you have an emergency and aren’t sure whether to take your animal in for a visit. It also offers considerable discounts if you have multiple pets (10% off) or are a military member (5% off).

We recommend opting for the unlimited plan with 90% reimbursement. However, if you are tight on cash, there are several other plan limits ($5,000, $10,000 & Unlimited) that offer great coverage at an affordable price.

Coverage Highlights

Paw Protect accident and illness plan has a two-day waiting period for accidents and a 14-day waiting period for illnesses. There is a six-month waiting period for canine orthopedic conditions, which can be reduced to 14 days if you complete an orthopedic exam and waiver process.

Examples of inclusions
  • Chronic Conditions
  • Prescription Medication
  • Pays Vet Directly
Examples of exclusions
  • Boarding
  • Microchipping
Best for Range of Annual Coverage Options

Spot Pet Insurance

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Maximum annual coverage
$2,500 - Unlimited
Reimbursement choices
70%, 80%, 90%
Deductible choices
$100, $250, $500, $750, $1,000

Why We Like It

Spot offers a wide range of annual coverage and deductible options to suit all budgets and is one of a few providers that offer a discount for owners with multiple pets (10%). They also tend to cover more things than other providers such as advanced care and alternative therapies.

Another benefit to Spot is that there is no maximum enrollment age, meaning elderly pets can get coverage at any time.

Spot offers several plan options including an accident-only plan, an accident & illness plan, and 2 tiers of wellness add-ons (Gold & Platinum) which can cover things like teeth cleaning. Another benefit to Spot is that euthanasia and exam fees (for covered conditions) are included with their accident & illness plan.

Coverage Highlights

Spot has a 14-day waiting period for accidents, illnesses, and ligament/knee conditions. Spot will also cover pre-existing conditions if they are considered curable and your pet has not had symptoms or treatments for at least 180 days.

Examples of inclusions
  • Multi-pet Discount
  • Dental Disease
  • Chronic Conditions
Examples of exclusions
  • Boarding
  • Pays Vet Directly
Best for Pet Parents on a Budget

Lemonade, Inc.

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Maximum annual coverage
$5,000 - $100,000
Reimbursement choices
70%, 80%, 90%
Deductible choices
$100, $250, $500

Why We Like It

Lemonade is renowned for its affordable accident & illness coverage and its plethora of customizable plans. They are one of the few pet insurance providers that offer dental coverage and have a convenient phone app that allows you to manage your policy online.

Add-ons from Lemonade include coverage for preventative care, vet visit fees, dental illness, physical therapy, behavioral conditions, and end-of-life care and remembrance.

Coverage limits can also be customized and are available at $5,000, $10,000, $20,000, $50,000, & $100,000. However, for the most comprehensive coverage, we recommend opting for the $100,000 limit with a 90% reimbursement and a dental & vet fee add-on.

Coverage Highlights

With Lemonade’s accident and illness plan, there is a two-day waiting period for accidents and a 14-day waiting period for illnesses. Additionally, there is a six-month waiting period for cruciate ligament events. While Lemonade offers excellent coverage at an affordable price, they don’t offer telemedicine, don’t cover spay/neuter costs for pets over 2 years old, and vet fees are extra unless you purchase the add-on. You may also face certain age restrictions for certain breeds.

Examples of inclusions
  • Surgery
  • Chronic Conditions
  • Emergency Vet Visits
Examples of exclusions
  • Prescription Food
  • Alternative Therapies
  • Breed Specific Issues
Best for Paying for Prescription Products

CarePlus by Chewy

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Maximum annual coverage
Unlimited
Reimbursement choices
80%, 90%
Deductible choices
$250

Why We Like It

CarePlus is one of the only companies that offer up to 100% reimbursement for prescription products. There is no maximum age of enrollment and it offers unlimited coverage limits. With all CarePlus accident & illness plans, you’ll get access to telemedicine via chat/video which gives you free vet consultations. This can save you time and money before going into an office by ruling out whether something is an emergency.

CarePlus offers various levels of plans including their Accident Only plan, Value Accident & Illness plan, Essential Plus Accident & Illness plan, and the Complete Accident & Illness plan. You can also customize your plans with optional add-ons such as the Preventive and Preventative+ plans and the Wellness and Comprehensive plan.

We recommend the Value Accident & Illness Plan which is provided through Lemonade. The 2-day waiting period for accidents is very competitive and exam fees are included.

Coverage Highlights

Depending on the plan you choose, you will have a 2-5 day waiting period for accidents, a 14-day waiting period for new illnesses, and either a 14-day, 30-day, or 6-month wait for cruciate ligament conditions. On the downside, dental disease and exam fees are not covered in all plans.

Examples of inclusions
  • Chronic Conditions
  • Behaviorial issues
  • Laboratory Testing
Examples of exclusions
  • Dental Disease
  • Pays Vet Directly
  • Alternative Therapies
Best for Quickest Coverage for Joint Injuries

Pumpkin Pet Insurance

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Maximum annual coverage
$10,000 - Unlimited
Reimbursement choices
90%
Deductible choices
$100, $250, $500, $1,000

Why We Like It

We love Pumpkin for its wide-reaching coverage and reimbursement level. Where other companies let you choose low reimbursement levels, Pumpkin ensures you get 90% back from covered claims and has no maximum age of enrollment. As an added benefit, owners with multiple pets get a 10% discount on policies. When it comes to coverage, what is offered as add-ons from other companies comes standard at Pumpkin.

Pumpkin has a standard accident & illness plan that covers exam fees, dental illnesses, behavioral issues, hereditary & congenital conditions, rehab therapies, and end-of-life services. You can also customize your plan with an optional add-on for preventative care.

We recommend opting for the unlimited coverage limit with a preventative care add-on.

Coverage Highlights

With Pumpkin’s accident & illness plan, there is a 14-day waiting period. While this is longer than some other providers, Pumpkin has no extended waiting period for hip dysplasia or knee injuries making it a great option for animals prone to joint issues. On the downside, their add-on plan for preventive care doesn’t have a lot of coverage.

Examples of inclusions
  • Multi-pet Discount
  • Dental Disease
  • Hereditary and Congenital Conditions
Examples of exclusions
  • Breed Specific Issues
  • Boarding
  • Pays Vet Directly
Best for Range of Reimbursement Options

Healthy Paws Pet Insurance & Foundation

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Maximum annual coverage
Unlimited
Reimbursement choices
50%, 60%, 70%, 80%, 90%
Deductible choices
$50, $100, $250, $500, $750, $1,000

Why We Like It

Healthy Paws has excellent customer reviews and is one of the few providers on the market that can pay the vet for you directly. This is a huge draw for many pet owners as it means next to no out-of-pocket costs to you. The only caveat is that you must call and request a simple authorization before the vet treats your pet. Otherwise, you can pay and be reimbursed.

Healthy Paws also offers lots of choices for coverage levels and deductibles, which is great for those wanting to tailor a plan to fit their budget. Healthy Paws offers only an accident & illness plan with unlimited coverage and no wellness options. Apart from paying the vet directly, with Healthy Paws, you’ll get the highest level of inclusions and peace of mind that all vet bills for covered illnesses will be reimbursed regardless of the cost.

Coverage Highlights

With the Healthy Paws accident and illness plan there’s a 15-day waiting period for accidents and illness and a 12-month waiting period for conditions linked to hip dysplasia or if your pet is under the age of six. These are some of the longest waiting periods in the industry, which could be a deal-breaker for some people. Otherwise, it makes sense to sign up as soon as possible.

Examples of inclusions
  • Surgery
  • Alternative Therapies
  • Cancer Treatment
Examples of exclusions
  • Dental Disease
  • Breed Specific Issues
  • Behaviorial issues
Best for a Wide Range of Deductible Options

Pets Best Insurance Services, LLC

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Maximum annual coverage
$5,000 - Unlimited
Reimbursement choices
70%, 80%, 90%
Deductible choices
$50, $100, $200, $250, $500, $1,000

Why We Like It

We like Pets Best as it offers competitively priced plans with a wide range of deductible options. This is great for people on a budget as it allows you to tailor your plan to what you can afford. There is also no age limit for sign-ups, meaning you can purchase coverage for your pet later in life, and accident coverage kicks in 3 days from sign-up. You’ll also get unlimited access to a 24/7 emergency vet hotline for quick consultations at all hours of the day.

Pets Best offers multiple plans including an Accident-only plan, as well as 3 tiers called Essential, Plus, and Elite. You can also opt for an add-on for wellness / routine care plans for an extra fee which offers good coverage versus other plans on the market.

Last, but not least, Pets Best is one of the few providers who can pay the vet directly for you. Simply download the reimbursement release form from their website and have your vet’s office sign and agree to receive payment directly from the provider and Pet’s Best will handle the rest.

Coverage Highlights

With Pets Best you can expect a waiting period of 3 days for accidents, 14 days for illnesses, and 6 months for cruciate ligament conditions. When choosing, note that exam fees are not included in the Essential plan, which is why we recommend opting for a higher-tier plan, such as the Elite plan, with a wellness add-on.

Examples of inclusions
  • Surgery
  • 24/7 Vet Chat
  • Exam Fees
Examples of exclusions
  • Alternative Therapies
  • Breed Specific Issues
  • Prescription Food
Best for Shortest Waiting Period for Accidents

Figo Pet Insurance

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Maximum annual coverage
$5,000 - Unlimited
Reimbursement choices
70%, 80%, 90%, 100%*
Deductible choices
$100, $200, $500, $750, $1,000, $1,500

Why We Like It

Figo is known for its fast claim processing which is a huge benefit to its customers as most providers require you to pay upfront and be reimbursed. Figo is also one of the few providers that offer 100% reimbursement (on plans with deductibles of $500+).

It’s also great for elderly animals as it has no age limit for enrollment, and the waiting period for accidents is one of the shortest in the industry (1 day).

Figo has lots of plan options to suit all types of budgets. It offers several pre-set accident & illness plans but also allows you to customize your plan based on your desired coverage limits, deductible, and reimbursement level.

You can also opt for add-ons that offer continued wellness coverage and reimbursement for vet exam fees. All plans come with 24/7 vet assistance text-chat, however, video/phone telehealth consultations are also available as part of the wellness add-on.

Coverage Highlights

With Figo, there is a 1-day waiting period for accidents and injuries and 14 days for illnesses.

For dogs, there is also a 6-month waiting period for orthopedic conditions. However, this can be waived if you get an orthopedic exam within the first 30 days of your policy and your pet is deemed healthy.

In some cases, Figo can also treat curable pre-existing conditions if your pets show no symptoms within 12 months of treatment.

Examples of inclusions
  • Chronic Conditions
  • Dental Disease
  • Breed Specific Issues
Examples of exclusions
  • Prescription Food
  • Microchipping
  • Pays Vet Directly
Best for Multi-Pet Discounts

Embrace Pet Insurance

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Maximum annual coverage
$5,000 - Unlimited
Reimbursement choices
70%, 80%, 90%
Deductible choices
$100, $250, $500, $750, $1,000

Why We Like It

Embrace offers highly customizable plans and ample discounts to customers with multiple pets (10% off) or who are military members (5% off). Embrace offers an accident & illness plan with optional wellness coverage as an add-on. This also includes optional coverage for exam fees and prescription drugs.

Their plans can be tailored for up to unlimited coverage, which is what we recommend opting for. With the unlimited option combined with 90% reimbursement, you could save thousands of dollars over the pet’s lifetime or if your pet ever develops a serious illness.

In case of an emergency, you’ll also get access to 24/7 virtual assistance via telemedicine calls which can help you diagnose if it’s necessary to rush to an in-person emergency vet. This feature alone could save you hundreds on vet bills, which is another reason we love Embrace.

Coverage Highlights

With Embrace’s accident and illness plan you’ll have a two-day waiting period for accidents and a 14-day waiting period for illnesses. There is a six-month waiting period for canine orthopedic conditions, which can be reduced to 14 days if you complete an orthopedic exam and waiver process.

Examples of inclusions
  • Surgery
  • Hereditary and Congenital Conditions
  • Dental Disease
Examples of exclusions
  • Chronic Conditions
  • Pays Vet Directly
  • Microchipping
Best for Extensive Coverage & Perks

Fetch by The Dodo

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Maximum annual coverage
$5,000 - $15,000
Reimbursement choices
70%, 80%, 90%
Deductible choices
$300, $500, $700

Why We Like It

Fetch by The Dodo offers simple and straightforward plans with some of the most comprehensive coverage on the market. There is no age limit for enrollment and it covers things most other providers don’t offer. As an example, if your pet is lost, Fetch will cover expenses for lost pet ads and will even chip in to offer a reward.

If you are going on a trip, they’ll pay for boarding & kennel costs, and will also reimburse you for non-refundable pet expenses due to a canceled vacation. They also offer a 10% discount to military members.

Fetch only offers their Standard accident & illness plan which includes TeleVet services and dental coverage at no extra cost. However, unlike other providers, there is no preventative/wellness plan option with this provider.

Coverage Highlights

Fetch has a waiting period of 15 days for accidents & illness and a 6-month waiting period for injuries for knee & hip injuries. However, this can be waived if you get an orthopedic exam within the first 30 days of your policy and your pet is deemed healthy with no pre-existing orthopedic conditions.

Examples of inclusions
  • Emergency Vet Visits
  • Dental Disease
  • Allergies
Examples of exclusions
  • 24/7 Vet Chat
  • Prescription Food
  • Pays Vet Directly

What is pet insurance?

Pet insurance is similar to the health insurance you use for exams, lab tests and other medical expenses, except it covers pets instead of humans.

When you have pet insurance, you pay a monthly premium based on your pet’s age, overall health status and other factors. In exchange for that premium, the insurance company reimburses you for a certain percentage of your pet’s eligible veterinary expenses.

What is included in a pet insurance policy?

The amount of coverage available depends on the type of pet insurance policy you purchase.

You typically have the option of getting an accident-and-illness plan, an accident-only plan or a pet wellness plan. 

Each type of insurance provides a different level of coverage:

For more information on what these types of plans include, check out our complete guide on what pet insurance covers.

Does pet insurance only cover cats and dogs?

Most pet insurance policies only cover cats and dogs. However, some pet insurance companies cover other animals. For example, ASPCA Pet Health Insurance covers horses. You may even be able to find a pet insurance policy to cover your bird or lizard.

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What doesn’t pet insurance cover?

Although some policies are comprehensive, pet insurance doesn’t cover everything.

Most pet insurance plans exclude the following:

Compare pet insurance companies

Compare Coverage
Accident & Illness Coverage
Available
Available
Accident-Only Coverage
Available
Not Available
Surgery
Covered
Covered
Hereditary and Congenital Conditions
Covered
Covered
Chronic Conditions
Covered
Covered
Dental Disease
Covered
Covered
Allergies
Covered
Covered
Cancer Treatment
Covered
Covered
Physical Therapy
Covered
Covered
Alternative Therapies
Covered
Covered
Behaviorial issues
Covered
Covered
Breed Specific Issues
Covered
Covered
Emergency Vet Visits
Covered
Covered
Telehealth Visits
Covered
Covered
24/7 Vet Chat
Covered
Covered
Specialist Visits
Covered
Covered
Exam Fees
Covered
Covered
Bloodtests
Covered
Covered
Laboratory Testing
Covered
Covered
X-Rays & CT Scans
Covered
Covered
Wellness Coverage
Add On
Add On
Prescription Medication
Covered
Covered
Prescription Food
Covered
Add On
Microchipping
Covered
Not covered
Boarding
Not covered
Not covered
Euthanasia
Covered
Covered
Pays Vet Directly
Not covered
Covered
Multi-pet Discount
Covered
Covered
Max Enrollment Age
No Max
14 years
Accident Waiting Period
14 days
2 days
Illness Waiting Period
14 days
14 days
Orthopedic Waiting Period
14 days
6 months

How does pet health insurance work?

Once you have pet insurance coverage in place, your insurance company reimburses you for some or all of your pet’s eligible medical expenses.

“Eligible” means that a health expense is covered under the terms of your policy. Preexisting conditions, breeding costs and other excluded services aren’t eligible expenses, so your insurance company won’t reimburse you for them.

Some pet insurance providers may also offer to pay the vet directly for you, which means you won’t have to foot the bill and wait to be reimbursed. However, this is relatively new, and each insurance provider that offers this service has a different way for paying the vet. For more on this, see our full guide to insurance companies that pay the vet directly.

Before you buy insurance for your pet, you need to understand these terms:

How much does pet insurance cost?

Pet insurance costs an average of $20 to $50 per month, depending on your animal. Although, you can easily spend more if your pet requires advanced care.

The table below shows the average cost of insuring a dog or cat at three different ages: 

Age Mixed-Breed Dog Mixed-Breed Cat
1 $42.75 $32.41
4 $48.29 $34.95
7 $72.27 $48.95

Every quote is based on a 90% reimbursement rate, a $500 deductible and a $10,000 annual coverage limit for pet owners living in ZIP code 90001.

Factors that impact the cost of pet insurance

Multiple factors impact the cost of pet insurance:

1

Type of pet

The type of pet you have has a big impact on how much pet insurance costs. Most pet insurance companies charge more for dog insurance than cat insurance. Also, you’ll likely pay more to insure large dogs, as they’re more prone to heart conditions and joint problems.

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2

Breed

Some breeds have higher vet expenses than others, which may increase your premium. For example, Rottweilers are susceptible to hip dysplasia, elbow dysplasia and aortic stenosis, an illness that causes narrowing of the aortic valve.

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3

Age

If you want to give your pet the best care, sign it up for pet insurance at a young age. Enrolling early gives you a chance to secure coverage before your pet develops any preexisting conditions. Your premiums will also be lower for a young pet than for an older pet.

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4

Gender

It costs a little less to care for female pets, so your premium may be higher if you have a male dog or cat.

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5

Location

The cost of living in your city also plays a role in determining how much you pay for pet insurance. Pet owners in Los Angeles, Seattle, New York, San Francisco and other major cities tend to have higher costs than pet owners in rural areas.

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6

Coverage options

Your annual limit, deductible and reimbursement rate all have an impact on your pet insurance premium. A deductible is what you must pay out of pocket before your insurance company starts covering any eligible vet expenses. Your reimbursement rate is the percentage of eligible expenses that your policy covers. For example, if you have a 90% reimbursement rate, your insurer will reimburse you for 90% of the costs associated with treating a covered illness or injury.

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For a closer look at how these factors impact the overall cost, check out our complete guide on how much pet insurance costs.

How to save on pet insurance

Follow these tips to reduce the cost of insurance for your pet:

Our guide to cheap pet insurance can help you find an affordable plan to suit your budget and your pet’s needs.

How to find the best pet insurance for your pet

To find the best pet insurance, follow these steps.

Choose your type of plan

Decide whether you want an accident-only health plan, an accident-and-illness plan or a wellness plan that covers exam fees and other routine expenses.

If you’re on a budget, choosing accident coverage instead of a more comprehensive coverage plan can help you save money. If price isn’t much of a concern, look for an accident-and-illness plan with multiple add-ons.

Choose the coverage level you want

Think about how much coverage you need to ensure your pet gets high-quality care. If you don’t have much money in your savings account, look for insurance with a high reimbursement rate and a low deductible. With this approach, it’s possible to minimize your out-of-pocket expenses.

If you have a good-sized emergency fund, you may not need as much coverage. Choosing a plan with a high deductible and a lower reimbursement rate can help you save money without leaving you in a financial bind. 

Look for available discounts

Find out if you qualify for any of these discounts:

Check waiting periods and other exclusions

Before you commit to a plan, check for waiting periods and other exclusions. Your insurer may require you to wait 14 days, 30 days or even longer to use your policy. It may also exclude certain expenses, such as breeding costs or expenses associated with elective procedures. Checking for exclusions gives you a better idea of what each company covers.

Research and compare pet insurance providers

The next step is to research and compare insurance providers. Taking time to research each company can help you avoid scams and overpriced policies that don’t cover much. Once you have a list of insurers, ask your veterinarian if they recommend a specific one.

Another option is to use online review sites to determine if each company has a positive or negative reputation. When you read through pet insurance reviews, look for common themes. It’s not unusual for a company to have a few unhappy customers, but if every review mentions poor customer service or too many exclusions, you may want to avoid that provider.

Get multiple quotes and compare prices

Use a pet insurance comparison tool to get multiple quotes and compare prices all in one place. Comparison tools are helpful because they eliminate the need to give your contact information to multiple insurers. 

When comparing prices, make sure that each plan has the same deductible, annual limit and reimbursement rate. Comparing plans with different terms makes it difficult to determine which one is truly the most affordable.

Examine extra costs

If any of the plans you’re considering have available add-ons, think about whether you really need them. Some are valuable, while others increase the cost of your insurance without giving you much in return. For example, if you have enough in the bank to cover the cost of exam fees and vaccinations, you probably don’t need an add-on that pays for these services.

Is pet insurance worth it?

Pet insurance is worth it if you break even on your premiums and vet expenses.

Here is an example of what we mean. Imagine you pay $34.71 per month for your cat’s insurance plan. This plan doesn’t cover preexisting conditions or exam fees, but it does cover a variety of accident and illness-related expenses. At $34.71 per month, your annual cost comes out to $416.52.

After 3 years, the total cost you have spent on pet insurance would add up to $1,249.56. Imagine that all of a sudden, your cat shows signs of a bowel blockage. X-rays show a blockage in the small intestine, and your vet does surgery thats costs $3,000.

Based on this example, if your pet insurance plan has a 90% reimbursement rate and a $0 deductible, you can get back $2,700 toward the cost of the surgery. This leaves you to cover the remaining $300.

Based on these numbers, if you subtract your $1,249.56 spent over three years from the $2,700 you saved on the surgery, you have been spared from paying an extra $1,450.44. This means that the pet health insurance was worth the cost.

Here are some things to consider when deciding if pet coverage is worth it:

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Pet insurance FAQs

What is the best pet insurance?

The best pet insurance plan is the one that maximizes your benefits while minimizing your out-of-pocket costs. Try using an online comparison tool to find just the right plan for your needs.

Is pet insurance expensive?

Compared to the cost of paying for everything out of pocket, pet insurance is relatively affordable. It costs an average of $19 to $30 per month, but you may end up spending more if your pet needs advanced care.

What does pet insurance cover?

Pet insurance doesn’t cover pre-existing conditions, but it does cover X-rays, blood tests and other expenses associated with diagnosing and treating illnesses and injuries.

Can you get pet insurance to cover vaccines?

If you get a wellness plan, it may cover vaccines, exam fees and other routine expenses.

Does pet insurance cover prescription medications?

Pet insurance covers prescriptions used to treat covered illnesses. It doesn’t cover medications used to treat preexisting or excluded conditions.

Is pet insurance tax deductible?

Pet insurance isn’t tax deductible unless your pet contributes to your income in some way. For example, if you use a border collie to herd sheep on a working farm, you may be able to deduct its pet insurance premiums on your business tax return.

Do all vets take pet insurance?

Vets don’t accept pet insurance. Instead, your insurer reimburses you for expenses you’ve already incurred.

Sarah Stasik
Sarah Stasik Pet Insurance Expert

Sarah Stasik is an editorial writer and a Six Sigma certified project manager. She is well versed in personal finance thanks to her previous role as a Revenue Cycle Manager for a Fortune 500 healthcare company. Using her inside knowledge and expertise, Sarah often covers topics ranging from insurance and the economics of private healthcare to personal finance and small business management.

Over the past 12 years, Sarah has contributed to numerous publications in the personal and small business finance sector, including content on budgeting, bankruptcy, small business accounting, and financial tech. Her writing focuses on making complex or seemingly daunting financial topics more accessible and providing helpful, relevant resources for readers.

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