Pawfolio
Median premium, 3-yr-old mixed breed, NYC
Emergency costs by breed and age
These are real-world figures from AVMA claims data, not worst-case scenarios. Hover any bar for the leading condition.
One ACL repair. One bloat surgery. One cancer biopsy. This is what "unexpected" looks like — not the $400 ear infection.
Most pet owners pick a $500 deductible and assume they'll rarely hit it. They hit it in year one.
A 2023 survey found 60% of pet owners couldn't cover a $1,000 vet bill without credit. Insurance isn't a luxury — it's arithmetic.
Every day you delay enrollment is a day a pre-existing condition clock starts. Enroll before the diagnosis, not after.
Claim approval rates, ranked
A 16-point gap separates the best and worst performers. This is the number that matters most — not the monthly premium.
Claim approval rates sourced from 2023 NAIC filings + Consumer Reports data. Individual results vary.
The comparison PDF we built so you don't have to
No paywall. No upsell. Just the research.
Find your coverage match in 90 seconds
Three questions — breed, age, zip. We cross-reference claim approval rates, average premiums in your region, and breed-specific risk profiles to surface the one provider that makes sense for your dog specifically.
What breed is your dog?
The Pet Insurance Comparison Guide you were going to build in a spreadsheet anyway
We spent 200 hours reading policy documents, filing test claims, and aggregating owner reviews so you don't have to spend a Sunday doing it yourself.
Download the 2024 Pet Insurance Comparison Guide
Free. No credit card. No sales call.
What financially-minded pet owners are saying
"I had three browser tabs open comparing deductibles for six hours. Then I found this. I wish I'd started here."
"The claim approval rate data is the thing no one talks about. I switched providers after reading the PDF."
"My dog needed TPLO surgery at 18 months. $5,800. Trupanion paid directly to the vet. This guide told me to pick them."
