This page explains how we reach the conclusions in our guides and comparisons, and how the site is funded. If you think we got something wrong, write to contact@petlnsurancebybreed.com.
What We Are, and What We Are Not
We are an independent publisher. We are not a licensed insurance producer, agent, broker, or carrier in any state, we are not appointed by any insurer, and we do not sell, place, or service insurance. Nothing on this site is a quote, a solicitation, or advice about your specific pet. Our conclusions are editorial opinion based on published information.
What We Look At
When we compare policies, we weigh the factors that determine whether a claim actually gets paid and what it costs you over the life of the pet:
- Coverage scope: what is included as standard, what is an add-on, and what is permanently excluded.
- Exclusions and pre-existing condition rules: how the insurer defines a pre-existing condition, whether curable conditions can be reinstated, and what happens to bilateral conditions.
- Waiting periods: length by condition type, and whether they can be waived by an exam.
- Reimbursement structure: reimbursement percentages, deductible types, annual and lifetime limits, and whether payouts are based on your actual bill or on a benefit schedule.
- Pricing and how it changes: not just the first-year premium but how premiums behave as a pet ages.
- Breed and age eligibility: enrollment limits, breed-based pricing, and species-specific rules.
- State availability: coverage, pricing, and terms differ by state, and we say so where we know it.
- Claims experience: published claim handling times, payment methods, and complaint data where it is available.
- Transparency: whether the insurer publishes a real sample policy you can read before buying.
Where Our Information Comes From
Insurer policy documents and sample policies, published industry data and reports, public bodies and state departments of insurance, and veterinary and breed organizations for health background. We link to the original source so you can verify it. Where we could not verify something, we say so rather than filling the gap.
How We Handle “Best”
“Best” on this site always means best for a stated situation (a breed, an age, a budget, a coverage priority), never best in general, because no such policy exists. Where we call something the best choice for a scenario, we explain what it is being judged against and who it would suit badly.
What We Do Not Do
We do not accept payment for placement, for a favorable review, or for inclusion in any comparison. We do not accept sponsored posts, paid guest posts, or insurer-supplied content. No insurer reviews an article before publication. Advertising revenue is not tied to which insurers we cover or what we conclude about them.
How the Site Is Funded
Display advertising. Advertising is sold programmatically, which means advertisers cannot choose which articles their ads appear next to and we do not know in advance who will appear.
Updates and Corrections
Pricing and policy terms in this market change frequently, and we revise articles when the underlying information changes. When we correct a material error, we fix it and note the correction on the page rather than deleting quietly.