The right pet insurance for your breed.
Premiums, exclusions, and the fine print all change with your dog's breed - and cats are a different game entirely. BreedCover helps you compare coverage breed by breed, so you pay for protection you'll actually use.
Free guides. No sign-up. We may earn a commission if you buy through our links - here's how that works.
See how a claim pays out
Move the sliders - this is the math every policy runs on.
Insurance guides by breed
A Frenchie's risks aren't a Lab's risks. Each guide covers the conditions your breed actually gets, what they cost, and what to demand from a policy.
French Bulldog
America's most popular breed - and one of the priciest to insure, thanks to breathing and spine issues.
Insurance guide →Labrador Retriever
Friendly, athletic, and famously hard on their joints - orthopedic coverage matters most here.
Insurance guide →Golden Retriever
The family favorite with a serious cancer risk - this is the breed where high limits pay for themselves.
Insurance guide →German Shepherd
A working breed with working-breed joints - plus a bloat risk that makes emergency coverage essential.
Insurance guide →Goldendoodle
The popular crossbreed - healthier than some purebreds, but not the 'no health issues' dog marketing suggests.
Insurance guide →Dachshund
Long back, big vet bills - IVDD is the #1 reason Dachshund owners are glad they bought insurance.
Insurance guide →Cat insurance: the most underinsured pet in America
Only about 2.29% of US cats are insured (NAPHIA 2026) - yet urinary blockages, kidney disease, and dental work cost just as much as dog emergencies. Cat premiums average roughly half of dog premiums, making cats the best value in pet insurance.
Why cats are the smart buy
- Lower premiums: cats average roughly $32/month vs. roughly $62/month for dogs (NAPHIA 2024 averages).
- Same big bills: a urinary blockage can cost $2,000-$6,000 - one incident can exceed years of premiums.
- Indoor does not mean safe: kidney disease, hyperthyroidism, and dental disease don't care that your cat stays inside.
Top pet insurers, side by side
Typical plan options from eight major insurers. Your exact price depends on breed, age, and ZIP - run real quotes to compare.
| Insurer | Reimbursement | Annual limit | Waiting periods | Standout feature | Quote |
|---|---|---|---|---|---|
| Spot | 70%, 80% or 90% | $2,500 - unlimited | 14 days (accident & illness) | Preventive-care add-on available. | Get a quote |
| Trupanion | 90% | Unlimited payouts (no annual cap) | 5 days (injury) / 30 days (illness) | Per-condition lifetime deductible; direct vet payment option. | Get a quote |
| Embrace | 70%, 80% or 90% | $5,000 - $30,000 | 2 days (accident) / 14 days (illness) / 6 mo (orthopedic) | Deductible shrinks $50 each claim-free year. | Get a quote |
| Pets Best | 70%, 80% or 90% | $5,000 or unlimited | 3 days (accident) / 14 days (illness) / 6 mo (cruciate) | Wellness add-on; short accident waiting period. | Get a quote |
| Lemonade | 70%, 80% or 90% | $5,000 - $100,000 | 2 days (accident) / 14 days (illness) / 6 mo (cruciate) | Preventive packages; not offered in every state. | Get a quote |
| ASPCA Pet Health Insurance | 70%, 80% or 90% | Multiple annual-limit options | 14 days (accident & illness) | Preventive-care add-on available. | Get a quote |
| Figo | 70%, 80%, 90% or 100% | Up to unlimited annual max | 1 day (accident) / 14 days (illness) / 6 mo (orthopedic) | One of the few with a 100% reimbursement option. | Get a quote |
| Fetch | 70%, 80% or 90% | $5,000 - unlimited | 15 days (accident & illness) | Covers sick-visit exam fees. | Get a quote |
Plan options shown are typical ranges widely published by each insurer; details change and vary by state. Always confirm current terms on the insurer's website before enrolling. Quote buttons are placeholders until partner links are live.
Pet insurance, explained plainly
How pet insurance works
Deductibles, reimbursement rates, and annual limits - the claim math, with an interactive walkthrough.
Read the guide →How much does it cost?
Estimate your monthly premium by pet type, age, and size - then see what moves the price.
Try the estimator →Pre-existing conditions
The #1 reason claims get denied. What counts, what's curable, and the enrollment-timing trap.
Read the guide →