How we collect and score pet insurance quotes

Each quarter we collect 117 price points across 11 ranked insurers (plus the major non-partners we review) using identical pet profiles: a 2-year-old, 45-pound mixed-breed dog; a 3-year-old domestic shorthair cat; and an 8-year-old Golden Retriever for the senior rankings. The target markets are Austin, Texas (78701) and Denver, Colorado (80202) at a $250 deductible, 80 percent reimbursement, and a $10,000 annual limit. No insurer publishes that exact combination, so each card price is the closest published, dated sample for the target profile, with its exact configuration recorded. Most come from dated review-site sample quotes gathered in Katy, Texas at $250 and 80 percent with a $5,000 limit; insurer-published state averages are used where sample quotes do not exist, and each price's source and date are logged in the run archive.

• Scores compute from the weighted criteria above. No commission rate, partnership status, or payout size is an input.
• You pay the same price through our links as buying direct, because pet insurance rates are filed with state regulators and cannot legally differ by sales channel.
• Every review carries one honest drawback minimum and a Fit Verdict naming who should skip the product.
• We publish no counter, badge, rating, or user number we cannot link to a verifiable source. Details in our editorial standards and how we make money.

Quotes refresh quarterly; the collection month is stamped wherever a price appears. The August 2026 run logged 117 price points across 11 ranked insurers. The card prices below are the figures each ranked card shows, with the exact configuration, source, and date behind each. The full run archive, including senior profiles, alternate cities, and insurer-published averages, is kept in the site repository's data-input records.

Dog samples track a 2-year-old medium mixed-breed dog near 45 pounds; cat samples track the closest published domestic shorthair sample. Where an insurer publishes no per-profile sample, the closest published average is shown and its basis is named in the row. Trupanion sells no configurable levers: its samples carry its standard 90 percent reimbursement and unlimited limit.

Each criterion is graded 0 to 10 from the verified record, then weighted by the table in Step 2. The price grade places each insurer's dog-and-cat average on the linear spread between the cheapest and the most expensive. The breadth grade counts verified coverage rows only; rows pending verification stay out of both the count and the denominator. The full fact basis behind every grade is logged in the scoring record.