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Protect Your Pet. Protect Your Peace of Mind.
Affordable pet insurance for dogs and cats — helping you cover unexpected vet bills so you can focus on what matters most: loving your pet.
From accidents and illnesses to routine care options, our insurance brokerage can help pet parents find simple, flexible pet insurance plans that fit their budget and lifestyle.
- ✔Coverage for Dogs & Cats
- ✔Use Any Licensed Veterinarian
- ✔Fast Claims Reimbursement
- ✔Affordable Monthly Options
Top Insurance Companies for Seniors We Compare
We partner with leading insurance carriers to help seniors find coverage that fits their needs. Compare trusted companies side-by-side to find the best rates and benefits.
GEICO
Best for low-cost coverage and discounts for safe senior drivers.
Starting at $65/month
Spot
Pet insurance with flexible plans to cover seniors’ pets for unexpected care.
Starting at $30/month
Progressive
Great for personalized quotes and bundling options for senior drivers.
Starting at $70/month
Nationwide
Known for comprehensive coverage and reliable claims support for seniors.
Starting at $68/month
Lemonade
Innovative, fast-approval coverage with transparent pricing for senior drivers.
Starting at $60/month
Average Pet Insurance Costs
Pet insurance costs vary based on your pet’s age, breed, and coverage level. Here’s a general breakdown of what dog and cat owners can expect to pay each month.
Dogs
$35–$80/mo
Costs vary by breed, size, and age, with larger breeds typically costing more to insure.
Cats
$15–$40/mo
Typically more affordable than dog insurance, especially for indoor and younger cats.
Comprehensive Plans
$25–$100/mo
Covers accidents, illnesses, and optional wellness add-ons for complete protection.
What Affects Pet Insurance Costs?
Location
Vet costs vary by state and city, which directly impacts your monthly premium.
Age & Breed
Older pets and certain breeds are more prone to health issues, increasing insurance costs.
Coverage Level
Plans with lower deductibles and higher reimbursement rates cost more per month.
Get a personalized pet insurance quote based on your pet’s breed, age, and location.
Get Your Free Quote
Pets Are Family — And They Deserve Protection
Vet bills can add up fast. Accidents, illnesses, and emergency care can cost thousands of dollars, often when you least expect it.
Pet insurance helps remove the financial stress so you can say yes to the care your pet needs — without hesitation.
Explore Pet Insurance Options
Pet insurance comes in many forms. Learn how each type of plan works and which may be right for your furry friend.
Pet Insurance Plans
Choose from a variety of plans that cover accidents, illnesses, and routine care for dogs, cats, and more.
Coverage & Benefits
Protect your pet from unexpected vet bills, surgeries, illnesses, and emergency care with comprehensive coverage.
Vet Bills & Claims
Submit claims easily and get reimbursed for covered medical expenses, from exams to emergency care.
Illness & Accident Coverage
Protect your pet from unexpected injuries and illnesses, including surgeries, ear infections, and more.
Routine Exams & Therapy
Plans may cover regular exams, vaccinations, and therapeutic services like acupuncture or rehabilitation.
Emergency & Surgery
Ensure coverage for costly emergencies and surgeries, giving peace of mind when your pet needs care most.
Policy & Price Options
Compare multiple policies to find coverage that fits your budget while protecting your pet’s health.
Quotes & Enrollment
Get instant pet insurance quotes and enroll easily to start protecting your furry family members today.
How Pet Insurance Works
01
You take your pet to the vet
02
Pay the bill
03
Submit a claim
04
Get reimbursed
Pet insurance helps cover
- ✔Accidents & injuries
- ✔Illnesses
- ✔Surgeries & hospital stays
- ✔Diagnostics & medications
- ✔Optional wellness & preventive care
Most plans let you visit any licensed veterinarian — no networks required.
Why Pet Parents Choose Pet Insurance
- ✔Unexpected vet bills can happen at any time
- ✔Helps avoid tough financial decisions
- ✔Monthly premiums are predictable and affordable
- ✔Coverage travels with your pet
- ✔Peace of mind from puppyhood to senior years
Why Pet Parents Choose Amerus Insurance
Independent & Pet-First Approach
We compare pet insurance plans from multiple top carriers to help you find coverage that fits your pet — not a one-size-fits-all policy.
Easy, Friendly Guidance
No confusing insurance language. We explain everything clearly so you feel confident choosing a plan.
Affordable Options for Every Budget
We help you balance monthly cost, deductible, and reimbursement levels.
Support Beyond Enrollment
We stay available to help with plan questions and changes as your pet grows.
We Work With the Nation’s Most Trusted Pet Insurance Providers
Amerus Insurance Group partners with a wide range of A-rated pet insurers to give you more options, faster.
Our independent brokerage means we work for you — not the insurance companies. You can trust us to find coverage that fits your pet’s needs and your budget.
Expert Insight
In our experience helping pet owners across the country, bundling pet insurance with other policies like homeowners or renters insurance can sometimes lower premiums. Savings vary by provider, pet age, breed, and coverage options, but bundling is an effective strategy to get comprehensive protection at a more affordable rate.
According to the Insurance Information Institute and the National Association of Insurance Commissioners , pet insurance policies, coverage limits, and reimbursement options can vary widely. Comparing multiple quotes is essential to find a plan that ensures your pet receives the care they need without breaking your budget.
Independent Insurance Agency
Multiple Pet Insurance Carriers
Simple & Transparent Coverage
Support When You Need It
Choosing the right pet insurance can feel overwhelming with so many plans available. Pet owners want coverage that helps with routine checkups, vaccinations, accident protection, and unexpected illnesses. We work with top-rated providers to offer plans that fit your budget and your pet’s healthcare needs. Whether you have a dog, cat, or exotic pet, our easy-to-compare options help you understand premiums, coverage limits, and reimbursement policies. Give your furry friend the protection they deserve with plans designed for peace of mind and affordable care.
Compare Pet Insurance Companies and Find the Best Rates
- ✔Quick & easy quote process
- ✔Customize coverage & budget
- ✔No pressure or obligation
- ✔Takes just minutes
Learn More About Pet Insurance
We share helpful pet insurance tips and resources to help you make the best decision for your furry family members.
Is Pet Insurance Worth It?
Read Article →
Common Pet Insurance Myths
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IWhat Does Pet Insurance Cover?
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How to Save on Vet Bills
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Dog Insurance vs Cat Insurance
Read Article →
Frequently Asked Pet Insurance Questions
Yes. Most pet insurance plans allow you to visit any licensed veterinarian, including emergency clinics and specialists, since these policies typically do not use restrictive provider networks.
Most pet insurance plans do not cover pre-existing conditions. However, some carriers may cover conditions that have been cured and have remained symptom-free for a specified period, depending on policy terms.
Claim processing times vary by carrier, but many pet insurance companies process claims within 2 to 10 business days, and some offer direct deposit reimbursement for faster payment.
Many pet insurance plans are affordable, with some costing less than typical monthly utility or phone bills. Costs vary based on breed, age, location, deductible, and coverage limits.
No. Getting a pet insurance quote is completely free and does not require any obligation to purchase coverage.
You can purchase a pet insurance plan online by selecting your pet’s details, choosing a coverage plan, and completing the enrollment process. Most providers allow instant online approval for eligible pets.
Yes. Most pet insurance providers allow you to cancel your policy at any time or adjust your coverage options. Refunds for unused premiums may vary by provider and policy terms.
Most carriers accept monthly or annual payments via credit/debit cards, electronic bank transfers, or automatic recurring billing. Some providers may also offer discounts for annual payments.
Yes. Many pet insurance companies offer discounts for multiple pets, military service members, or paying annually. Check with your provider for current promotions.
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Coverage by State
Explore Pet Insurance Guidance by State
Hover any state to preview its page and jump straight into state-specific coverage information.
Insurance Carriers for Pets
Below is a summary of the top insurance carriers for pets, highlighting what each is best known for and their starting monthly cost.
| Company | Best For | Monthly Cost |
|---|---|---|
| GEICO | Low-cost coverage and discounts for safe senior drivers | $65/month |
| Spot | Pet insurance with flexible plans for seniors’ pets | $30/month |
| Progressive | Personalized quotes and bundling options for senior drivers | $70/month |
| Nationwide | Comprehensive coverage and reliable claims support for seniors | $68/month |
| Lemonade | Innovative, fast-approval coverage with transparent pricing for seniors | $60/month |
Timothy Baggett, CFP®, Licensed Insurance Professional
| Reviewed by Amerus Insurance Group Editorial Team
Because They’re More Than Just Pets
Give your furry companion the care they deserve — without financial worry.