How Pet Insurance Works
Deductibles, reimbursement rates and annual limits, and how a claim goes from vet bill to payout.
Read the guide →Independent guides to pet insurance worth comparing
Verified Pet Plans explains how pet insurance works in the United States: what plans cover, what they cost and what to check before you buy, in plain English and with the sources cited.
Editorially independent · Sources cited on every guide
What It Costs
Official U.S. averages for dogs and cats by plan type, and what moves your own quote.
Read the guide →Dog Insurance
What the data says about insuring a dog: prices, common claims and questions to ask.
Read the guide →Cat Insurance
The fast-growing side of the market: prices, common claims and what to check for cats.
Read the guide →How Verified Pet Plans works
We're a small independent site. Here is exactly how we handle the content you're reading.
Sources, not sales pitches
Our numbers come from primary sources such as the industry association NAPHIA and the regulators' association NAIC, and we cite them on the page so you can check them yourself.
Transparent about money
At the time of writing we have no affiliate relationships and earn nothing from any link. If that changes, we will say so and mark every link that can earn us a commission.
Built to be compared, not sold
We are not an insurance company, agent or broker. Our guides explain the questions worth asking before you choose a plan, not which plan to buy.
Karol Weiher
Founder & Editor
I hold a Master's degree in Law specializing in financial law, with further training in insolvency and restructuring law, and I also work in real estate transactions. I've served on the management boards of limited liability companies and as director of a foundation — the same due-diligence mindset I bring to every guide on this site.
Popular guides
Detailed answers to the questions pet owners search for most.
Accident-only vs accident & illness
What each covers, what each costs on average and which conditions show up in claims.
Read the guide →Waiting periods & pre-existing conditions
The two rules that decide whether your first big claim is paid, and what the NAIC model act says.
Read the guide →Pet insurance payout calculator
Enter a vet bill and your plan's settings to see what the insurer pays and what you pay.
Try the calculator →Latest from the blog
News and explainers on pet health and pet insurance live on our blog.