Why You NEED Pet Insurance

At PetHub, we like to be transparent: we have affiliate relationships with other companies (Amazon and Chewy included), and we may receive a commission on qualifying purchases made via the links in this article at no extra cost to you.


At PetHub, our mission is to ensure that every family's pet stays happy, safe and HOME for the rest of their lives. Purchasing pet insurance is a great step in doing just that. 

What is pet health insurance?

Pet health insurance is similar to human health insurance. It’s a health care policy for your furry friend that reimburses or covers veterinary expenses.  Each policy is different, but usually includes a monthly premium, based on information about your pet and can include deductibles and specific reimbursement processes.

Because each insurance company and policy is different, make sure to read the policies completely to make the right decision for your pet’s needs.

Why is pet insurance so important?

Similarly to how you protect your home and car from the unexpected, pet insurance safeguards your best friend by ensuring you never have to choose between your finances and the best veterinary care for your furmate.

By enrolling pets in a policy, families can save up to 90% on the costs to treat new illnesses, accidents or injuries! When you consider just how expensive vet bills can be, pet insurance is a relatively small price to pay to keep your furry family member safe.

Choosing the right pet insurance provider for you and your pet can be a struggle. Like most things in life, pet insurance isn't one size fits all. There are a few things you need to take note of when choosing your plan, and we've made it simple for you and listed them here below!

 1.   Know your coverage type (options and any exclusions)

 2.  Know what you NEED (know your pet’s breed, health history and age)

 3.  Know your coverage details (need to know what the copay, any premiums and the     
      deductible will look like, and if they can be adjusted)

 4.  Be aware of the waiting period.

 5.  Know your state options (different options for your specific state)

 6.  Get a quote!

Any of the top-rated brands below are excellent options for pet insurance or just an emergency health plan.

1. Trupanion (PetHub Preferred)

The goal of Trupanion is to improve the care of the pets you love, all while easing the burden put on you, as their caring owners. Trupanion is a one of the most inclusize pet insurance providers on the market and is the only insurance provider that can pay your Veterinarian right at the time of check out, so you aren't sitting around waiting for reimbursements.

With Trupanion, there are no payout limits and claims paid based on the actual cost of veterinary care, not what we think treatment should cost.

Trupanion is also the most highly reviewed pet insurance provider on the market with over 600,000 members and over 15,000 happy customers telling their stories.

You'll never be dropped from coverage for filing too many claims or for asking for too high of a reimbursement amount, so you'll never have to worry about a canceled policy or increased rates just for filing claims.

Trupanion is a one and done plan that takes the weight off of your shoulders.

Click here to take advantage of a discounted Trupanion Insurance plan with PetHub and check out their website to get a quote!


2. Fetch by the Dodo

With the mission to ensure happier, healthier lives for pets and peace of mind for their people, Fetch by the Dodo provides comprehensive pet insurance coverage in one simple plan. Fetch by the Dodo covers the complete sick visit - including the exam fee - saving you an average of $50-$250 per visit. Not to mention, Fetch by The Dodo is recommended by the #1 animal brand in the world, The Dodo.

All teeth are protected against oral disease and injuries, unlike some providers who don't cover dental disease or certain teeth. Fetch by the Dodo provides coverage for all dogs and cats six weeks and older.

While your reimbursement options may change,  your Fetch by the Dodo plan will never terminate your policy based on your claims history or just because your pet is sick. 

Fetch offers coverage for holistic and homeopathic therapies at no extra cost. Chronic conditions that may develop in the future and breed-related hereditary issues are also included. Other pet insurance providers may require a rider for this coverage — if they provide it at all. 

To learn more about getting pet insurance for your pets visit Fetch by the Dodo's pet insurance page and to take advantage of their special offer for PetHub users, click here!



Get ready for one of the best pet insurance brands in show for cats and dogs! SPOT is an excellent rated pet insurance with best-in-show customizable coverage options. 

It's important to note that SPOT offers Accident & Illness and Accident-Only plans. However, Optional Preventive Care coverage is available for a small added cost each month. SPOT provides paperless, online claims and direct deposit payment options are available, too.

Get a customized quote easily at the link below!

And take advantage of your premium PetHub membership by taking a whopping 20% OFF YOUR POLICY for life when you use this perk!

Find the plan that’s right for your pet and affordable to you at spotpetins.com.


4.  Eusoh 

A plan with Eusoh is an alternative and more affordable option than pet insurance, depending on how you earn and like to spend your money. Eusoh is a comprehensive accident, illness, AND wellness community health plan for dogs and cats. And Eusoh is the only plan where you only pay for what is needed.

If you already feel that you have too many monthly payments Eusoh maybe the best option for you. With Eusoh you can add funds to your plan per your decision. Each month, any unused contributions are rolled over entirely and credited back to the community, decreasing your next month’s payment.

Pethub Premium users get 29% off the monthly Eusoh membership fee for the life of the pet when they use this perk! Save big each year! But don't fret if you're not Premium! Basic users get a pawsome discount of 18% as well!


Taking advantage of any of the perks above is your sure-fire way to save money on your pet long-term. Don't wait, get your quotes today!


Fetch by theDodo is the most comprehensive according to Consumer's Advocate, December 2021. Based on a comparison of injury and illness coverage between Fetch by the Dodo and North American pet insurance providers on ConsumersAdvocate.org.

Based on a comparison of core policy coverages between Fetch by the Dodo, Trupanion and Healthy Paws as of December 2021

Petplan’s comprehensive dental coverage protects all teeth against multiple accidents and injuries including broken teeth, periodontal disease, extractions and advanced dental treatments such as root canal therapy – with no broad condition exclusions.

Coverage subject to terms and conditions, less any applicable policy limits, deductible or copay, and pursuant to all policy exclusions. Policy terms and conditions may vary by state or province and are subject to change without notice. Fetch by the Dodo insurance policies are administered by Fetch Insurance Services, LLC (Fetch Insurance Agency, LLC in Michigan), d/b/a Petplan (Fetch by the Dodo Insurance Agency, LLC in California) and underwritten by XL Specialty Insurance Company and AGCS Marine Insurance Company, a member of the Allianz Group, in the U.S. and XL Specialty Insurance Company - Canadian Branch in Canada. For more information, visit GoPetplan.com. ©2021 Fetch, Inc. Information accurate as of December, 2021.

Please note that Trupanion insurance is not available in the following states: NY, FL, CA, VA

Because Pets Are Family is a service mark of Fetch, Inc.