Find the right pet insurance for your dog or cat.
Compare plans from 20+ licensed providers in minutes. Get matched with a specialist who will find the right coverage for your pet at a price that fits your budget.
20+
Pet insurance providers compared
24h
To get matched with a provider
$0
Cost to compare plans
Thousands of moms across America protect their pets through TheSmartMom
Licensed providers only - Free service - No obligations
The earlier you enroll, the more your pet is protected.
Pet insurance premiums increase as your pet gets older. Enrolling while your pet is young and healthy locks in lower rates and ensures the widest possible coverage.
Once a condition is diagnosed, it becomes a pre-existing condition and is excluded from coverage. The time to get covered is before something happens, not after.
Premiums increase as your pet ages
Pet insurance is most affordable when your pet is young and healthy. Waiting even one year can significantly increase your monthly premium.
Pre-existing conditions are not covered
Most providers exclude conditions diagnosed before enrollment. Getting covered while your pet is healthy ensures the broadest protection.
Vet bills can reach thousands of dollars
A single emergency visit, surgery, or cancer diagnosis can cost between $3,000 and $10,000. Pet insurance lets you focus on your pet, not the bill.
Choose the coverage that fits your pet and your budget
Not sure which plan is right for your pet? Our specialists will help you choose based on your pet's breed, age, health history, and what matters most to you.
Accident and Illness Coverage
The most popular option. Covers unexpected vet bills from accidents, injuries, and illnesses including cancer, diabetes, and orthopedic conditions.
Best for: Most pet owners who want comprehensive protection
Accident-Only Coverage
A more affordable option that covers emergency vet visits caused by accidents such as broken bones, lacerations, and toxic ingestions.
Best for: Budget-conscious owners of younger, healthier pets
Wellness and Preventive Care
Covers routine care including annual exams, vaccinations, flea and tick prevention, dental cleanings, and spay or neuter procedures.
Best for: Pet owners who want to manage routine costs
Our standards
How it works
Three simple steps from answering questions to having a plan that protects your pet.
Answer a 2-minute quiz
Tell us about your pet: species, breed, age, and what kind of coverage you need. No documents required at this stage.
Get matched with a licensed provider
A licensed pet insurance specialist reviews your profile and contacts you with plan options tailored to your pet and budget.
Choose your plan and enroll
Compare plans side by side and enroll when you are ready. Coverage can start within 24 to 48 hours for accidents.
Moms who protected their pets
"My golden retriever needed emergency surgery last year. The bill came to $6,800. Pet insurance covered $5,400 of it. I cried with relief. TheSmartMom made finding the right plan so easy."
"As a single mom with two cats, I could not afford a surprise vet bill. The advisor I was matched with found a plan that covers both cats for less than $60 a month combined."
"I had been putting off pet insurance for years. After my puppy swallowed something and needed an emergency endoscopy, I enrolled the same week. I only wish I had done it sooner."
Testimonials recreated for illustration purposes.
Why families trust TheSmartMom
We connect you with licensed providers who work to find the right plan for your pet, not to push you toward any single product.
Licensed providers only
Every provider in our network is a licensed pet insurance company operating in full compliance with state insurance regulations.
No pressure, no obligation
Get your options, compare plans at your own pace, and decide when you are ready. You are never required to purchase.
Real humans, real help
Speak with a real person who can answer your questions and walk you through every plan detail. No bots, no automated calls.
100% free service
TheSmartMom is completely free for pet owners. Providers are compensated by the carriers, not by you.
Pet insurance FAQ
What does pet insurance typically cover?
Most comprehensive plans cover accidents and illnesses including emergency care, surgery, hospitalization, diagnostic tests, medications, and specialist visits. Wellness add-ons can cover routine care such as annual exams, vaccinations, and dental cleanings. Pre-existing conditions are generally excluded, which is why enrolling early matters.
How much does pet insurance cost per month?
Costs vary based on your pet's species, breed, age, location, and the coverage level you choose. Dog insurance typically ranges from $30 to $100 per month. Cat insurance is generally lower, ranging from $15 to $50 per month. A licensed provider can give you an accurate quote based on your specific pet.
Is pet insurance worth it?
For many pet owners, yes. A single unexpected vet visit for surgery, cancer treatment, or a serious illness can cost thousands of dollars. Pet insurance converts that unpredictable expense into a manageable monthly cost. Whether it makes financial sense depends on your pet's breed, age, and your personal budget.
Can I use any vet with pet insurance?
Most pet insurance plans in the US allow you to visit any licensed veterinarian, specialist, or emergency clinic in the country. Unlike human health insurance, there are typically no in-network restrictions. You pay the vet upfront and submit a claim for reimbursement.
Are older pets or certain breeds excluded?
Most providers accept pets of all ages, though premiums increase with age. Some providers have maximum enrollment ages. Certain breeds with known genetic conditions may face higher premiums or exclusions on breed-specific conditions. A licensed specialist can help you find providers with the fewest restrictions for your pet.
How do I file a claim?
The claims process varies by provider, but most allow you to submit claims online, through a mobile app, or by mail. You pay your vet directly, then submit the itemized invoice and medical records. Reimbursement is typically processed within 5 to 15 business days, depending on the provider.
Your pet deserves protection. Get your free quote in 2 minutes.
Answer a few quick questions. A licensed pet insurance specialist will reach out with personalized plan options. No obligations, no pressure.
- 100% free service for pet owners
- Licensed providers in every state
- All breeds and ages accepted
- Matched with a specialist within 24 hours
Get your free pet insurance quote
A licensed specialist will contact you within 24 hours with personalized options.
Free service. No obligations. Your data is never shared without your consent.
TheSmartMom is not an insurance company or insurance agent. TheSmartMom is a free matching service connecting consumers with licensed pet insurance providers. Coverage, rates, and availability vary by state and provider. By submitting your information, you authorize licensed providers to contact you regarding pet insurance products. Not available in all states. Licensed providers will provide specific plan details and pricing.