Legal & Transparency

Affiliate Disclosure

Website: PetInsureNow.com

Effective Date: March 31, 2026

Last Updated: May 19, 2026

FTC Disclosure Requirement

In compliance with the U.S. Federal Trade Commission (FTC) guidelines on endorsements and testimonials (16 C.F.R. Part 255), PetInsureNow.com discloses that this site participates in affiliate and referral programs. We may earn compensation when you click certain links and purchase a pet insurance policy. This disclosure applies site-wide to all pages, articles, comparisons, and reviews on PetInsureNow.com.

Plain English Summary

PetInsureNow is free to use because some of our links earn a small commission when you buy a pet insurance policy through them. This costs you nothing extra, the insurer pays us, not you. Our research and editorial opinions are completely independent. We write about what's actually best for pet owners, not what earns us the most money. We are fully transparent about this on every relevant page.

1What Is an Affiliate Relationship?

An affiliate relationship is a formal commercial agreement between PetInsureNow.com and a pet insurance provider in which we receive a referral commission when a user completes a qualifying action, typically enrolling in an insurance plan, after clicking a designated link on our site.

This is a standard and widely used business model for informational websites. It allows us to provide free, in-depth research and educational content to pet owners without charging subscription or access fees. The model only works if we maintain the trust of our readers, which is why editorial independence from our commercial relationships is non-negotiable at PetInsureNow.

2How We Earn Money

PetInsureNow.com earns revenue through two primary channels:

Affiliate Referral Commissions

When you click a "Get a Quote," "Compare Plans," "See Rates," or similar button and subsequently purchase a pet insurance policy from a partner provider, we receive a commission from the insurer. The amount varies by provider and plan. You pay nothing extra — the commission is paid by the insurance company, not added to your premium.

Lead Referral Fees

In some cases, we may receive a referral fee simply when you click through to request a quote from a partner, regardless of whether you ultimately purchase a policy. This is disclosed where applicable.

3What This Means for You

✔ Same Price Guaranteed

You pay exactly the same price whether you arrive at an insurer's site via PetInsureNow or go directly. Our affiliate links never add fees or markups to your policy cost.

✔ Editorial Independence

Our content team does not receive commission-based incentives. Researchers and writers are not rewarded for promoting specific providers. Analysis is based entirely on policy research.

✔ Always Disclosed

Affiliate links on PetInsureNow.com are identifiable by their destination (external insurer websites) and context (quote request flows, comparison tables). This disclosure page is linked from the footer of every page on the site.

✔ Coverage Quality Drives Rankings

Providers are assessed based on coverage structure, exclusion terms, reimbursement models, claim processes, and consumer outcomes — not based on commission rates they offer us.

4Our Partner Providers

PetInsureNow.com maintains affiliate or referral relationships with some of the leading U.S. pet insurance providers, which may include but is not limited to:

Healthy Paws Trupanion Pets Best ASPCA Pet Insurance Spot Fetch Pumpkin Lemonade Figo MetLife Pet Nationwide Embrace

The presence of a provider on this site does not imply they have paid for placement or that we are required to recommend them. Providers we do not have affiliate relationships with may also appear in our content if our research determines they are relevant and beneficial to our readers.

5How to Identify Affiliate Links on Our Site

Affiliate and partner links on PetInsureNow.com typically appear as:

  • Buttons or calls to action labeled "Get a Free Quote," "Compare Plans," "See Rates," or "Get Your Quote."
  • Links within comparison tables that direct to an insurer's official website.
  • Highlighted links within articles, reviews, or cost guides that lead to external provider sites.
  • Any link that takes you away from PetInsureNow.com to a pet insurance provider's website where you can obtain a quote or purchase coverage.

Not all external links are affiliate links. We also link to informational sources, regulatory bodies, and consumer resources where no commercial relationship exists.

6How Affiliate Relationships Do NOT Affect Our Content

The following editorial rules are firm and non-negotiable at PetInsureNow:

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We do not rank providers higher because they pay us more. Provider rankings and assessments are based on coverage quality, exclusion terms, reimbursement models, and consumer outcomes, not commission rates.

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We do not suppress negative information about partner providers. If a provider's policy has significant limitations, exclusions, or claim denial risks, we document them, regardless of our commercial relationship.

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We do not recommend plans we would not recommend to a family member. If a policy structure does not genuinely serve pet owners well, we say so clearly in our analysis.

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We do not exclude non-partner providers from our research. Providers with whom we have no affiliate relationship appear in our content when our research identifies them as relevant to readers.

7Important Disclaimer

PetInsureNow.com is an informational website, not an insurance company. We do not sell, issue, or administer pet insurance policies. All quotes, coverage terms, and policy decisions come from the licensed insurance providers themselves.

Our content is for educational purposes only and does not constitute licensed insurance advice. Always review full policy documentation directly from the insurer before purchasing. For complete limitations, see our Disclaimer.

8Updates to This Disclosure

We may update this Affiliate Disclosure when we add new partner relationships or when our commercial structure changes in any material way. The "Last Updated" date at the top of this page reflects the most recent revision. Continued use of PetInsureNow.com following any update constitutes your acceptance of the revised disclosure.

Questions About Our Affiliate Relationships?

If you have any questions about our commercial relationships, how we earn money, or how it may affect our content, we encourage you to reach out. We are committed to full transparency.

Website: PetInsureNow.com

Email: help@petinsurenow.com