How Pet Insurance Works

We’re On a Mission!

Demystifying pet insurance, one policy at a time.

Shopping for pet insurance can be confusing and time consuming. There are multiple providers, unfamiliar terms, and varying policy provisions, inclusions and exclusions that make it difficult to accurately compare policies. That’s why we created

If you’re wondering what is pet insurance and how does it work, we explore top providers, share expert opinions, personalize the options and outline benefits in a side-by-side comparison that’s easy to understand. Let Shop Pet Insurance be your guide!

How Does Shop Pet Insurance Work?



Tell us a little bit about your pet and your needs.

Compare Pet Insurance


We instantly show you plans from Top Providers for free.



Pick the best plan for your pet and start saving on vet bills.



Top Providers and Great Plans

As insurance experts and pet lovers, we’ve assembled some of the industry’s top national providers of pet insurance for dogs and cats of all ages. We think these providers offer great pricing and value on some of the best plans available in the marketplace.


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How Does Pet Insurance Reimbursement Work?

Keep your furry friend happy and healthy with pet insurance. How does it work? Pet insurance works through a reimbursement basis. For example, you take your cat or dog to the vet for treatment and pay the bill up front in full. Then, you file a claim for reimbursement of expenses that are eligible. Once the claim is approved by the pet insurance company, you’ll receive the reimbursement.

When you purchase a policy, you’ll select a deductible, an annual limit and a reimbursement percentage. As a pet owner, you’ll pay a monthly premium to the insurer in exchange for coverage. The policy you select outlines the conditions and expenses that are covered as well as your deductible and annual limit. Keep in mind that the deductible needs to be met before you can receive reimbursement from the pet insurance company.

If your furry friend gets sick or hurt unexpectedly, pet insurance helps you cover the cost. It’s a good investment that provides you with peace of mind and your dog or cat with appropriate medical care. You also don’t have to worry about finding an in-network vet since it’s designed to reimburse you for covered costs.

Vetted by Our Experts

We’ve done the research for you. Our expert panel of veterinary care and insurance professionals—all pet parents themselves—spent hundreds of hours researching and evaluating plan options and coverage details, reviewing credible third-party sources, and vetting some of the top brands in the industry to help you select the best pet insurance provider for your pet.

We use this approach to ensure any recommendations we make are 100% authentic and come from pet owners and qualified experts of multiple disciplines. Click here to meet our expert panel.

Protect Your Pet Today!

Top Providers, Side by Side Comparisons and Great Pricing