PawGuard is an independent pet insurance comparison and referral platform. We help pet owners explore coverage options from multiple trusted carriers so you can find a plan that fits your pet and budget. Answer a few quick questions and we'll connect you with personalized quotes from our partner carriers.
Get Personalized QuotesPawGuard may earn a commission when you purchase through our partners. This does not change the price you pay.
Every carrier structures its plans a little differently. These are the dimensions worth checking on any plan you consider.
| What to check | Why it matters |
|---|---|
| Reimbursement rate | The percentage of an eligible vet bill the plan pays back — commonly 70–90%. |
| Annual deductible | What you pay out of pocket each year before reimbursement kicks in. |
| Annual payout limit | The maximum a carrier will reimburse in a policy year — some plans offer unlimited payouts. |
| Waiting periods | The time after enrollment before coverage becomes active, especially for illness and orthopedic conditions. |
| Wellness add-ons | Optional coverage for routine care like vaccines, checkups, and dental cleanings. |
| Breed-specific exclusions | Some carriers limit or exclude coverage for conditions common to certain breeds. |
PawGuard does not rank or recommend specific carriers or plans. This table is a general guide to help you evaluate any quote you receive.
Quick tip: When you receive quotes, line them up side by side on these six points. A lower monthly premium can cost more overall if the deductible is high, the reimbursement rate is low, or the annual limit is capped.
Answer a few quick questions and we'll connect you with personalized quotes from our partner carriers.
Get Personalized QuotesPawGuard may earn a commission when you purchase through our partners. This does not change the price you pay.