Welcome To Pawlicy Advisor

We partner with leading pet insurance companies to help pet owners find a great deal on the right coverage - so you don’t have to spend hours comparing companies to find the best pet insurance.

By analyzing each unique pet, hundreds of policy variations, and each plan’s fine print, Pawlicy Advisor provides:

• Data-driven advice from neutral, licensed insurance experts

• Personalized recommendations to best protect against your breed’s specific health risks

• Customizable policy options to fit your budget

By comparing coverage and pricing differences, we can help your pet get the care they need and save you money.

Every pet is different. There is no one-size-fits-all pet insurance. This means it’s important to find a plan that covers your pet’s unique health risks, fits your budget, and comes from a reputable company.

For example, the best pet insurance for a dog in New York is going to be very different from the best pet insurance for a cat in California.

Additionally, some plans that look to be the cheapest today may not be the cheapest across the lifespan of your pet, and some providers even offer discounts for insuring multiple pets (automatically added when you use Pawlicy Advisor).

There are also your personal preferences. How important is it to cover the exam fee? What reimbursement rate, annual deductible, and coverage limit best suit your needs? Are you looking for the best coverage, the lowest cost, or something balanced in between?

Use Pawlicy Advisor to automatically analyze top-rated pet insurance companies, compare quotes, and customize coverage all in one place.

As a licensed insurance brokerage, Pawlicy is paid a commission by the pet insurance company when we help you buy a plan for your pet – you're not paying a cent extra to work with us.

Pawlicy Advisor is 100% free to use. No commitment. No fees.

Most websites - whether they’re tailored to a specific company or a publisher with insurance pages - negotiate different commission fees with each partner. This can lead to a bias to recommend one partner over another.

At Pawlicy Advisor, we’ve standardized our payment model - so when we recommend one partner over another, it’s because we truly believe it’s a great fit for you.

Our data-driven approach and objective education is one reason why Pawlicy Advisor is the Preferred Business Provider of pet insurance recommended by the American Animal Hospital Association.

Pawlicy Advisor is an independent marketplace, comparison tool, and education platform - not an insurance carrier. In other words, we don’t sell our own insurance - we help pet owners learn about which options are best for them, we help them compare quotes and offer licensed advice, and we help them save money with a great deal from a top brand.

Some of the top brands we’ve integrated into our platform to help provide pet owners with personalized recommendations and transparency include:

• Embrace Pet Insurance
• Pets Best Pet Insurance
• ASPCA Pet Health Insurance
• Fetch Pet Insurance
• Figo Pet Insurance
• Hartville Pet Insurance
• MetLife Pet Insurance
• Prudent Pet Insurance

We also recognize that pet insurance may not be right for everyone, and provide a spectrum of payment solutions to make veterinary care more affordable. Some of our veterinary financing and discount plan partners include:

• Care Credit

• PetAssure

Because we’re an independent third party, our advice and support services remain unbiased toward any one partner.

When you shop through Pawlicy Advisor, Pawlicy.com connects directly to the pet insurance company to make it easy to complete your purchase.

We understand that some people may still prefer to check out the provider’s site, so we offer a link to each site within the platform, it’s entirely up to you.

Of course, when customers purchase on pawlicy.com they support our free services and help spread the word to other pet parents.

Pet insurance helps provide peace of mind for unexpected vet bills. Most pet insurance plans work on a reimbursement model, which means they pay you back for veterinary care after your deductible is met, depending on the policy you have.

Pet insurance can cover unexpected accidents & illnesses, including surgery, tests & diagnostics, emergency treatment, hospitalization fees, foreign object ingestion, cancer treatment, and some even cover hereditary conditions, prescription medication, and alternative therapies. Since 1 in 3 pets will need emergency veterinary treatment every year, this could save you thousands in veterinary expenses.

Pet insurance plans that work on a reimbursement model can be used at any licensed veterinary practice or animal hospital.

Some things that are generally not covered include pre-existing conditions, elective procedures (like unnecessary cosmetic surgeries), and routine/preventive care. As pre-existing conditions are not covered, most people enroll within 6 months of adopting before any conditions arise. This is especially important for breeds that tend to suffer from hereditary conditions like hip dysplasia. If you’re interested in reimbursement for routine/preventive care, look for a Wellness Plan add-on.

Some key terms to know:

• Reimbursement rate: The percentage of covered costs you’ll be reimbursed for a claim after your deductible is met. Some plans do offer 100% reimbursement rates.

• Deductible: The amount you need to pay before your reimbursement rate kicks in. Some plans do offer $0 deductibles.

• Coverage Limit: The limit on the amount the insurance company will pay you. Some plans do offer unlimited coverage limits.

• Premium: The amount you pay each month to maintain your coverage. You can lower your premium by decreasing your reimbursement rate, increasing your deductible, or decreasing your coverage limit. Some plans do offer a discount if you pay annually.

• Pre-existing conditions: Conditions that have arisen before your coverage kicks in. If your pet has a diagnosis, or if symptoms are present before your coverage is active, that specific condition will not be covered (nor will any issues related to that condition).