Can I get health insurance for my pet? If so, what’s covered?

Several companies offer health insurance for dogs and cats (and other pets). These plans have premiums and deductibles, just like human health insurance plans. The premiums and deductibles vary based on the level of coverage you select. Many routine services, such as office visits and diagnostic testing, are covered, as well as prescriptions, procedures, and surgeries for a wide variety of diseases and conditions. However, there are restrictions and limits, as well as certain guidelines to follow, including making sure your pet receives regular preventive care.

The following is a list of pet insurance company
information courtesy of

Insurance Company Reimbursement Wellness Offered? Deductible type Max payout
HealthyPaws Up to 90%
of vet bill
No Annual(fixed annual cost) None
Petplan Up to 100%
of vet bill
No Per condition (good for chronic) 22k/year no lifetime limit
Trupanion Up to 90%
of vet bill
No Per condition (good for chronic) None
Pets Best 100 – limited
by deductible
Yes Annual 20k/year limited over lifetime

Location Hours
Monday8:00am – 8:00pm
Tuesday8:00am – 8:00pm
Wednesday8:00am – 8:00pm
Thursday8:00am – 8:00pm
Friday8:00am – 8:00pm
Saturday8:00am – 5:00pm

For after hours emergency care contact United Veterinary Specialty & Emergency, they are centrally located in Campbell (408-371-6252) & San Jose (408-578-5622).