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Best Pet Insurance

Get Your Quote Now!Best Pet Insurance

Best in Class Protection,
Built for Your Best Friend.

  • Get up to 100% cash back on all covered Vet bills
  • Covered on all accidents and most illnesses
  • Get coverage anywhere in the United States

What is Pet insurance?

Pet insurance is there for the unexpected, covering everything from accidents to illnesses. With customizable plans and fast claims, you can focus on your pet's health—not the bill.

What does pet insurance Cover?

Pawdarling typically covers accidents, emergency care, illnesses, and chronic conditions. It can also help with diagnostic tests, surgeries, medications, hospital stays, and specialist visits.

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How Pawdarling Helped Max

When Max needed emergency surgery, Pawdarling was there. His treatment cost over $20,000, but his parents had a 100% reimbursement plan. They only paid their yearly premium, and Pawdarling covered the rest, giving Max the care he deserved.

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Treatment Invoice
$20,400
Pawdarling Insurance ($25/mo for 1 year)
$300
100% Reimbursement Rate
-$20,400
Pawdarling Paid
$20,100
Max’s Parents Paid
$300

How Does pet insurance work?

Finding the best pet insurance starts with understanding how it works. While many providers offer limited coverage and slow reimbursements, Pawdarling sets the standard for reliable protection.

Other Pet Insurance Options
pawdarling
Limited coverage for emergencies
Full coverage for accidents and emergencies
Long claim processing times
Fast, hassle-free claims and payouts
Restrictions on specialists
Freedom to choose any licensed vet or specialist
No coverage for chronic conditions
Includes chronic and hereditary condition coverage
Excludes holistic care options
Optional holistic and alternative care add-ons
High deductibles, low payout caps
Transparent pricing and high reimbursement limits

Accident + Illness Coverage & Add-on Options

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Accident + Illness

The core plan from Pawdarling covers everything from unexpected injuries to common illnesses. It's the best pet insurance for giving you peace of mind that your pet is protected.

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Preventative Care Add-ons

For even more protection, add routine care to your policy. It covers essentials like vaccines, dental cleanings, and wellness exams, ensuring your pet is covered at every stage of life.

coverages

coverage when you need it

When emergencies happen, you're never alone. Pawdarling's pet insurance plans are designed to protect your pet through life's unexpected moments and everyday health needs.
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Accidents

From broken bones to swallowed toys, our coverage kicks in fast to get your pet the care they need.

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Behavioral Issues

Whether it’s anxiety or compulsive habits, get support for behavioral treatments recommended by your vet.

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Hereditary Conditions

Some breeds are prone to specific health issues. We cover eligible hereditary and congenital conditions for lasting protection.

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Illnesses

From infections to chronic diseases, the best pet insurance includes coverage for a wide range of illnesses.

coverages

insurance Plan Benefits

Pawdarling provides more than just basic coverage. Our best-in-class pet insurance offers a full suite of benefits to keep your companion healthy year-round.
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Diagnostics

Blood work, x-rays, MRIs, and more—all covered to help your vet reach a fast and accurate diagnosis.

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Therapies

Including rehabilitation, hydrotherapy, and acupuncture when prescribed for recovery or pain relief.

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Treatments

Access to the most effective treatments available, whether surgical, medical, or outpatient.

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Prescriptions

Medication costs can add up quickly. The best pet insurance helps offset those expenses so your pet never misses a dose.

Getting Money back Is Easy!

Filing a claim shouldn't be stressful. Pawdarling makes it easy with a simple 3-step process and fast reimbursements, so you can focus on your pet's recovery.

Step 1
1
Visit any vet
Choose any licensed veterinarian or clinic in the U.S.—no networks or restrictions.
Step 2
2
Upload your vet bill
Snap a photo of your invoice and upload it online in just seconds.
Step 3
3
Get money back
Receive fast reimbursement via direct deposit for all covered services.
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Don’t wait until it’s too late get your quote now

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Frequently Asked Questions

We offer coverage for the Actual Costs of any Medically Necessary Treatment your pet receives for a covered injury or illness during the policy period, up to the Per Incident Limit and Annual Benefit Limit shown on your Declarations Page.

Our basic pet insurance policy reimburses you for Medically Necessary Treatments, including:

  • Examinations: Physical exams, consultations, health inspections, office visits, virtual visits, and referral fees.
  • Surgical Treatments: Procedures required for covered injuries or illnesses.
  • Diagnostic Tests: X-rays, ultrasounds, CT scans, laboratory tests, and more.
  • Medical Supplies: Supplies required for procedures deemed Medically Necessary by your vet.
  • Hospitalization: Stays required by your vet for treatment.
  • Orthodontic Treatment: Due to a covered injury or illness.
  • Emergency Transportation: Ground pet ambulance transportation up to $100.
No, our insurance is a reimbursement-based plan, not a traditional co-pay type. This means you pay for your pet's medical expenses upfront, and we reimburse you for eligible costs. Depending on your policy, you can receive up to 100% back on covered medical expenses after your deductible is met. This approach ensures you get the care your pet needs without being restricted to specific networks or providers.

Dental coverage is not included in the basic plan but can be added separately with our Dental Coverage Endorsement. This optional add-on provides reimbursement for:

  • Endodontic treatments for dental injuries, such as root canals and crowns, when deemed medically necessary by a veterinarian.
  • Dental extractions that are medically necessary due to a covered injury or illness.

You can add this coverage at the start of your policy or during renewal. Please note that a waiting period may apply, as outlined in your policy details. If you decide to remove this coverage, you can do so at any time during the policy period.

This ensures your pet's dental health is protected alongside their overall wellness!

Yes, if you add the Alternative Therapies Endorsement to your policy, we will reimburse you for a variety of alternative and complementary therapies for your pet. This includes treatments such as:

  • Acupuncture
  • Chiropractic care
  • Hydrotherapy
  • Physiotherapy

These therapies must be performed by a veterinarian or under the direct supervision of veterinary staff. Additionally, coverage for veterinary consultations to diagnose and treat behavioral problems is available, up to an annual limit of $2,000.

The Alternative Therapies Endorsement can be added at the start of your policy or during renewal. A waiting period may apply, as outlined in your policy documents. If needed, you can remove this endorsement at any time during the policy period.

This option provides additional flexibility to address your pet’s unique health needs beyond traditional treatments!

Our policy does not cover pre-existing conditions. A pre-existing condition is defined as any medical condition that first occurred or showed clinical signs before the policy's effective date or during the waiting period.

However, we do make an exception for pre-existing conditions that are considered Cured. A condition is deemed cured if:

  • It is a temporary illness or injury.
  • It has been resolved without recurrent symptoms or ongoing treatment for at least 12 months and documented in writing by your Vet.

Please note that knee or ligament injuries, illnesses, and hip dysplasia are not considered curable and remain excluded.

This policy ensures fairness while helping you protect your pet's future health needs.

Yes, there are age restrictions for new enrollments:

  • Without the Wellness Endorsement: Pets must be at least 6 weeks old and no older than 15 years.
  • With the Wellness Endorsement: Pets must be at least 8 weeks old and no older than 15 years.

For renewal policies:

  • For renewal policies:
  • Pets over 15 years old are eligible for renewal as long as they were enrolled in the policy before their 15th birthday and have maintained continuous coverage.

These guidelines ensure comprehensive protection for your pet at every stage of their life.

Deductibles and coinsurance can be customized for each pet, allowing you to tailor the policy to fit your budget and coverage needs. However, all other coverages are set at the policy level and cannot be individually customized.

Plus, you’ll get a 20% discount on each additional pet after the first one, making it easier and more affordable to protect your entire furry family!