The global pet insurance industry is forecasted to reach USD 68.91 billion by 2032, according to SNSInsider. This presents a great opportunity for affiliates to enter the market and earn commissions by promoting pet insurance products to pet owners looking for reliable coverage options.
Let’s explore our handpicked selection of 14 best pet insurance affiliate programs and find your best match by comparing their commissions, cookie duration, and other requirements. Choose the right fit and start monetizing your pet-related content today!
Quick Comparison
| Program Name | Commission (%) / Flat Rate | Cookie Duration (Days) | Niche Suitable |
|---|---|---|---|
| Embrace Pet Insurance | $5 per sale | 30 | Pet care, pet health, pet insurance |
| Petplan | €0.05/click + €10/sale | 30 | Pet insurance, UK pet owners, pet blogs |
| Pet Insurer | $100+ per sale | 90 | Pet insurance comparison, finance blogs |
| Petco | 2% | 7 | General pet care, pet supplies, pet insurance |
| Everypaw | £20 per sale | 30 | UK pet owners, pet insurance |
| The Swiftest | $10 per sale | 30 | Pet reviews, pet insurance content |
| Knose | 10% | 45 | AU pet owners, dog/cat insurance |
| Pet Assure | 25% | 30 | Veterinary discounts, senior pets, wellness |
| Thimble | $30 per sale | 30 | Pet groomers, walkers, small biz insurance |
| PetsOnMe | $50 per sale | 60 | AU pet insurance, dog/cat care |
14 Best Pet Insurance Affiliate Programs to Monetize Your Content
1. Embrace Pet Insurance
Embrace Pet Insurance is a trusted U.S.-based provider of pet health insurance. Their plans cover protection for accidents and illnesses, with the option to purchase additional reimbursement for routine and preventive care.
The Embrace Pet Insurance affiliate program offers $5 for each successful order. The cookie duration is 30 days from the customer’s first click.
Their program is managed through Impact. Once approved, you can access the Impact’s dashboard to get tracking links and monitor your promotional performance.
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2. Petplan
Petplan is the leading provider of pet insurance in the UK, backed by over 45 years of experience. They provide comprehensive pet insurance for dogs, cats, and rabbits, including coverage for accidents, illnesses, and genetic or breed-related issues.
You can enjoy €0.05 commission per click and €10 for each sale via your unique link with their pet insurance affiliate program. The cookie will stay active for 30 days from the customer’s initial click on your affiliate link.
You’ll need a PayPal account or a Spanish bank account to receive your commissions. However, you must have a minimum balance of €25 before you can request a payout.
The brand also assists your promotion with a collection of banners, texts, and links. You can choose and add them to your website to engage more audiences.
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3. Pet Insurer
Pet Insurer helps pet owners compare and find the best pet insurance options available. With a quick search, users can view coverage, pricing, and benefits from multiple providers all in one place.
You can earn over $100 for each qualified sale you generate when joining their pet insurance affiliate program. The 90-day referral window allows you to earn commission on purchases made within 3 months of the customer’s first click.
The brand provides a range of promotional tools to assist with your affiliate marketing efforts, such as beautiful banner ads, text links, and content. If you want to have some tips and advice to optimize your promotion, don’t hesitate to ask their affiliate support team.
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4. Petco
Petco is a trusted name in pet care, serving millions of pet owners across the U.S. with essential products and services. Along with everyday pet supplies, they provide pet insurance policies to help customers manage the cost of emergencies, routine care, and chronic conditions.
The brand provides affiliates with a 2% commission for each successful sale. They allow you to earn commissions on purchases made within 7 days of the customer’s initial click on your link.
Petco manages their pet insurance affiliate program through the Impact network. When becoming their affiliate, you can access the Impact analytics dashboard to keep track of your performance data. The brand also sends you regular newsletters to update you on the latest program information.
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5. Everypaw
Everypaw offers flexible insurance options for dogs, cats, and rabbits, with transparent policies and no hidden fees. Their tailored plans cater to different pet needs and owner budgets, covering accidents, illnesses, surgeries, and routine care.
The Everypaw pet insurance affiliate program offers £20 for each qualified policy you drive. You’ll receive earnings for purchases made within 30 days of customers clicking your affiliate link.
You can add Everypaw’s impressive banners and text links to your website to engage your audience and encourage more sales. You can also check your promotional results in real time with a smart tracking dashboard.
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6. The Swiftest
The Swiftest provides expert advice, detailed comparisons, and practical tools to help insurance consumers make informed decisions. Known for their in-depth pet insurance reviews, the brand also covers a wide range of topics, such as health, travel, lifestyle, and more.
By joining The Swiftest pet insurance affiliate program, you can earn a commission starting at $10 for each sale. The cookie duration will stay active for 30 days after the customer’s first click on your link.
You can stay informed on your clicks, sales, and commissions with their easy-to-use affiliate dashboard. Their dedicated manager is also willing to give you advice and tips to optimize your promotions.
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7. Knose
Knose is a leading Australian pet insurer offering coverage for accidents, illnesses, surgeries, and routine care for dogs and cats. The brand stands out with simple, transparent plans, no excess fees, and pricing options tailored to various pet care needs.
The company offers a 10% commission rate for every successful policy you generate. You can earn money from purchases within 45 days of customers clicking on your link.
Managed through Shareasale, the Knose pet insurance affiliate program provides a collection of creative assets for you to create appealing content and promote their products. You can track your performance through Shareasale’s smart dashboard.
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8. Pet Assure
Pet Assure offers affordable wellness and veterinary discount plans that cover pre-existing conditions and senior pets. With their membership plan, pet owners can save money instantly on vet care without filing claims or waiting periods.
By joining the Pet Assure insurance affiliate program, affiliates can get up to 25% commission on each successful sale. The cookie duration is 30 days from the customer’s first click.
As their affiliate, you’ll get access to a set of promotional images provided by the brand. You can use them on your website to make your promotions more visually engaging and effective.
The brand pays you commissions about 30 days after the end of each calendar quarter, as long as your earnings reach a minimum threshold of $50.
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9. Thimble
Thimble offers flexible, customizable insurance for small businesses. For pet care providers, their coverage includes third-party injuries, property damage, and professional mistakes that may occur during grooming, walking, or sitting services.
The Thimble pet insurance affiliate program offers $30 for each qualified purchase you drive. The referral window starts from the customer’s initial click on your link and stays active for 30 days.
Thimble partners with Impact, one of the leading affiliate marketing networks, to manage their affiliate program. Once approved, you can start promoting and access a personal analytics dashboard to check your performance metrics like clicks, sales, and commissions in real-time.
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10. PetsOnMe
PetsOnMe is an Australian pet insurance provider offering affordable plans for dogs and cats with third-party liability options. Pet parents can choose from Accident, Classic, or Deluxe plans based on their preferences, ranging from basic injury-only care to full medical support.
When joining the PetsOnMe insurance affiliate program, you can enjoy a $50 commission for each qualified sale. The cookie duration lasts 60 days after the customer’s first click on your affiliate link.
You’ll receive regular newsletters with updates on new offerings to help you keep your content relevant. A dedicated affiliate manager is available to support you with any promotional questions.
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11. Argos Pet Insurance
- Commission rate: £25
- Cookie duration: 60 days
Argos Pet Insurance provides a range of insurance policies for pets with a focus on cats, dogs, and rabbits. They offer 3 main types of policies, including time-limited, maximum benefit, and lifetime plans, along with added benefits like 24/7 vet helpline access.
12. Lemonade
- Commission rate: 20%
- Cookie duration: Not mentioned
Lemonade is a modern, technology-driven insurance company offering a wide range of coverage, including renters, homeowners, auto, term life, and pet insurance. Their pet plans cover vet expenses such as blood tests, prescriptions, surgeries, and emergency care.
13. Chewy
- Commission rate: 4%
- Cookie duration: Not mentioned
Chewy is a top online retailer offering a wide selection of pet essentials, from food to wellness products. They also offer pet insurance through their CarePlus program, providing coverage for accidents, health issues, and preventive care.
14. Animal Friends Pet Insurance
- Commission rate: £40 voucher
- Cookie duration: Not mentioned
Animal Friends Pet Insurance provides flexible pet coverage and stands out for their commitment to supporting animal welfare worldwide through charitable donations. If you refer a friend to buy their first policy with Animal Friends, both of you will get a £40 voucher.
Why Should You Promote Pet Insurance as an Affiliate?
Promoting pet insurance isn’t just about helping animals. It is one of the smartest financial moves you can make as an affiliate.
This section explains the top reasons why promoting pet insurance is a smart move for affiliates. You will discover how this growing market offers high demand and great earning potential.
Premium Commission Rates That Actually Move the Income Needle
If you are tired of making tiny $0.50 commissions, pet insurance will be a breath of fresh air.
The math in this niche is much better than selling physical products.
Think about the mountain you have to climb to earn $1,000 per month.
If you sell dog leashes or bowls, you might only make $1.00 per sale. That means you would need to find 1,000 customers every single month.
Selling pet insurance is different. You only need to make about 14 to 20 sales to reach that same $1,000 goal. This is because insurance companies pay you $50 to $75 for every person you sign up.
You might wonder why these companies are so generous. A pet owner who pays $50 a month for ten years brings in $6,000 for the company. They are happy to pay you $75 because their total profit is so high.
Explosive Market Growth Creating Expanding Opportunity
Pet insurance is a massive opportunity for new affiliates.
The market is large enough to be very profitable, but it is not too crowded yet.
Experts predict the industry will grow to nearly $30 billion by 2030. This means the market is expanding by more than 15% every single year.
There are three main factors driving this sudden explosion.
First, there is still plenty of room to grow.
In North America, only about 5% of pets have insurance. Compare that to countries like the UK, where 30% of pets are covered.
Millions of owners are still looking for a plan, and they need someone to show them the way.
Second, the cost of a vet visit has become a huge shock.
A few years ago, an emergency visit might cost $800. Today, that same visit can easily cost $3,000.
As prices are rising so quickly, owners need insurance to protect their bank accounts from sudden disasters.
Third, people now see pets as true family members.
They are no longer just “outdoor animals.” Modern owners will skip their own vacations or spend their savings just to pay for a dog’s surgery.
High-Intent Traffic That’s Genuinely Ready to Buy
One of the biggest frustrations in affiliate marketing is “window shopping.” Many visitors look around but never click the “buy” button.
In the pet insurance world, this rarely happens. When someone searches for insurance, they are usually looking for a fast solution to a real problem. 🛑
This high intent stems from three main “urgency triggers.”
First, a family might have just brought home a new 10-week-old puppy. They suddenly realize they are responsible for a living being and want to protect it.
Second, an owner might have just paid $400 for a minor ear infection. This “near miss” makes them realize that a major surgery could ruin their bank account.
Third, a trusted vet might suggest that the owner “look into coverage” before their next check-up. 🩺
Because of this urgency, insurance keywords sell much faster than general pet terms.
In fact, these keywords convert at 5 to 8 times the rate of searches for dog toys or treats. People searching for insurance already know they have a problem. They are looking for a way to safeguard their money.
How to Choose the Right Pet Insurance Affiliate Program
There are over 20 major pet insurance providers fighting for market share. If you are an affiliate, this is good news. It means they are willing to pay for your traffic. But here is the trap: Many affiliates simply join the program with the highest payout.
That is a rookie mistake. A $100 commission is worthless if the product is terrible and nobody buys it. To build a sustainable income, you need to evaluate programs based on four strategic pillars.
Here is the framework for picking the winners.
Choose Programs Based on Your Audience Demographics and Values
The first rule of successful marketing is to match your offer to your readers. You cannot sell a luxury car to a person on a tight budget.
In the same way, you must choose a pet insurance company that fits your audience’s specific needs.
| Audience segment | Best Fit | What to promote |
| Budget millennials (Ages 25–35) | Lemonade, Spot | Fast, digital-first, and affordable ($10–$30/mo); focuses on app-based claims. |
| Premium pet owners (High budget) | Trupanion, Embrace | Comprehensive “fur baby” care with unlimited lifetime benefits and direct-to-vet payments. |
| Breed-specific needs (High-risk breeds) | Providers with Hereditary Coverage | Essential for breeds like French Bulldogs; avoids plans that exclude genetic or hereditary issues. |
Evaluate Commission Rates and Cookie Duration for Maximum Earnings
Once you find the right programs for your audience, you must check the math. Payouts in the pet insurance world are not all the same.
They are usually split into three different levels based on how much the company is willing to pay. 📊
You should understand these levels so you can plan your monthly income.
The Budget Level: These programs pay between $15 and $30 for each new lead.
The Middle Level: These pay between $30 and $60 for each lead.
The Premium Level: These pay $75 to over $100 for each lead.
It might seem smart to always pick the highest payout, but this can be a trap.
You must consider the “conversion rate,” which is the percentage of people who actually buy after clicking. Some expensive plans pay $100 but convert at 0.5% because it’s expensive.
However, a cheaper plan might only pay $25 but converts at 4% because it’s an easy “yes.”
After you look at the pay, you must check the “cookie duration.”
Most owners do not buy insurance the very first time they see it. They like to do research or talk to their family before they spend any money.
A 30-day cookie is the industry standard. However, a 60-day or 90-day cookie is the gold standard.
A longer window helps you get paid for the people who take their time to decide. This small detail can increase your total earnings by up to 30%.
Verify Payment Terms, Thresholds, and Transaction Reliability
You can make a million dollars in sales, but that effort is wasted if the company never pays you. Managing your money is what separates the real business owners from the hobbyists.
That’s why you must understand exactly how and when you will get your cash.
First, you need to check the payment timing. ⏳
Affiliate marketing is almost never “instant money.” Most programs use a system called NET-30.
This means they pay you 30 days after the month ends. Some slow programs use NET-60 or even NET-90.
If you make a sale in January under a NET-60 plan, you will not see that money until April. You must make sure your business can survive that long wait before you sign up. 📅
Next, you watch out for “Clawbacks.” 💸
In the insurance world, some customers will cancel their plans after just a few weeks. Then, the company will take back your commission.
A 30-day reversal window is fair and easy to plan for. However, you should avoid programs with a 90-day window.
You do not want to spend your profits only to find out months later that you owe the money back.
Finally, always check the company’s reputation before you commit. 🔍
You should search online forums like Reddit to see if other affiliates are happy. Look for any mentions of “late payments” or “missed checks.”
✅ Green light: Famous brands like Healthy Paws, Embrace, and Trupanion have years of honest history. They pay on time, every time.
🚩 Red flag: Stay away from any company with recent complaints about “payment delays” or “account audits” right before payday.
Assess Quality of Promotional Materials and Affiliate Support
Time is your most valuable resource in affiliate marketing. You should not waste your hours designing ads or writing emails from scratch.
A great affiliate program acts as your marketing partner. They provide the tools you need so you can focus on making sales.
Before you join a program, you should look at their “toolkit” of materials. 📂
A great program should provide professional banners in many different sizes. They also give you comparison charts that show how their coverage beats the competition.
You should also look for exclusive discount codes. A special code for your audience can increase your sales by up to 25%.
Having great tools is a good start, but you also need to test the support team. 🤝
Send the affiliate manager a simple question before you sign up. This “Manager Test” tells you if they are reliable partners. 📧
A good response: They reply within two days with a helpful answer.
A great response: They offer you a custom landing page or a small pay raise to help you get started.
A bad response: Total silence. If they ignore you now, they will surely ignore you when a link breaks or a payment is missing.
Once you start making sales, you can move up the “negotiation ladder.”
Most affiliate rules are not set in stone. You have real power once you prove you can drive volume, usually by making 20 sales a month. At this point, a good manager will work with you to improve your deal.
You can ask for several benefits to boost your business:
- Ask to increase your commission from $25 to $35 per sale.
- Request to get your money sooner.
- Ask for extra cash rewards when you hit your monthly targets.
What Marketing Strategies Work Best for Pet Insurance Affiliates?
Knowing why pet insurance is a great niche is only half the battle.
To start earning those $50 commissions, you need a plan that matches how pet owners act online.
Different platforms require different “hooks.” While a blogger might win with cold data, an Instagrammer wins with raw emotion. Here are the top three strategies working right now.
Blog Content Strategies That Capture High-Intent Searches
For bloggers, the goal is to show up exactly when a pet owner is feeling “cost worry.”
This usually happens when they are researching a specific breed or staring at a scary estimate from a vet.
You can consider these high-converting content types:
The “Surgery Cost” Guide 🏥
You can write articles like “How Much Does Dog ACL Surgery Cost?” These posts are goldmines.
That’s because the reader is already stressed about a $3,000 to $6,000 bill. You are offering a way to avoid a financial disaster in the future.
Breed Health Guides 🐶
Every French Bulldog owner knows their dog might have breathing issues.
By writing about these specific problems and what they cost to fix, you show the value of insurance. It becomes a “safety net” that they simply cannot afford to skip.
Comparison Reviews 📊
You can create a side-by-side look at 3 to 5 different insurance companies. Then, use a simple table to show which one is best for “Older Dogs” versus “Puppies.”
YouTube Video Strategies That Build Trust Through Personality
YouTube turns a simple service into a personal story. Most people want to see a real human talk about their experience before they sign up for a plan.
That’s why you should use specific video styles that prove the value of insurance.
The “Real Claim Reveal” is your most powerful tool. You can use a title like, “I Filed a $4,500 Claim—Here is What Happened.”
Showing a screenshot of the actual payment provides the ultimate proof. This level of honesty builds instant trust with your viewers. 💰
Another popular style is the “Tier List.” You can rank 5 to 10 different companies from “Best” to “Worst” on a visual chart.
You can explain the differences between brands much faster than a long article. It helps your audience make a quick decision based on your rankings. 📊
Once you show which brands are best, you must answer the biggest question of all.
You can try an “Is It Worth It?” analysis. This is a 10-minute deep dive into the actual numbers.
You can compare the cost of monthly payments against a major emergency, such as an $8,000 surgery. Seeing the math in a video helps people understand why they need coverage before a disaster happens.
Instagram Content Strategies Leveraging Authentic Vet Bill Reveals
Instagram is an emotional platform. You don’t win here with long charts. You win with short, high-impact “proof” posts that stop people from scrolling.
The most effective strategy on Instagram is the Carousel Post (multiple photos in one post).
Slide 1: A photo of your healthy pet with a shocking headline: “This visit cost $3,200.”
Slide 2: A photo of the actual detailed bill from the vet.
Slide 3: A screenshot showing the insurance company paying back 90% of that bill.
Slide 4: A call to action: “Don’t wait for an emergency. Link in my bio to see the provider I use.”
This strategy works thanks to”social proof” and a bit of a shock factor.
Instead of putting a link in every post, you use a “Link in Bio” tool to organize your top recommendations. Your profile will stay helpful and personal rather than looking like a series of advertisements.
TikTok Strategies With Education-Entertainment Hybrid Content
On TikTok, you are a fellow pet parent. People between the ages of 25 and 40 generally hate being sold to.
However, they love to learn through entertainment, which is often called “edu-tainment.”
Therefore, you need to show what happens when you don’t have insurance in a way that feels real. Let’s see some high-performing TikTok formats below:
| Strategy | Core Concept | How to |
| The “POV” Scare | Relatable financial nightmare. | Use “POV” format with anxious audio to show a $3,500 bill (e.g., pet ate a sock). |
| Cost Comparison | Small premium vs. massive bill. | Contrast a $35/month insurance cost against a $4,200 out-of-pocket broken leg repair. |
| Process Demo | Trust through ease of use. | Screen-record filing a claim on an app (e.g., Lemonade) to show how simple it is. |
NOTE: Do not talk about insurance in every video. Instead, you give your followers 80% fun content, such as funny dog clips or training tips. Use only 20% of your posts to talk about insurance.
“TikTok is about heart over wallet,” says Alex Rivera, a social media growth coach. “If you try to act like a salesman, people will swipe away in half a second. If you act like a friend sharing a ‘hack’ to save their dog’s life, you’ll see a 2–3% sales rate from the link in your bio.”
Pinterest Strategies Creating Evergreen Visual Discovery Assets
Pinterest users love to plan. They often research big purchases months before they buy anything.
This makes Pinterest the perfect place to lead people back to your website using “visual breadcrumbs.” 📍
Instead of posting random photos, you should create Pins that look like helpful tools.
The Comparison Chart 📊
Create a clean chart titled, “Pet Insurance Comparison 2025: Side-by-Side.” List 5 companies and check off features like “Dental Coverage.”
The Budget Breakdown 💸
A Pin showing the “True Cost of a Golden Retriever’s First Year.” Include food, toys, and a specific line for “Insurance ($40/mo).”
The “Fund vs. Insurance” Debate ⚖️
A visual Pin titled, “Pet Emergency Fund vs. Pet Insurance: Which one actually saves you more money?”
While the sales rate might be lower at first, the effort is much smaller. Pinterest allows you to build a steady stream of traffic that grows in value over time.
If you create helpful visuals today, they will keep working for your business long after you finish.
FAQs
What is a pet insurance affiliate program?
A pet insurance affiliate program allows publishers, bloggers, and content creators to earn commissions by referring customers to pet insurance providers. Affiliates promote insurance plans through links, comparison tables, or reviews and earn a payout when users sign up or request a quote.
How much commission do pet insurance affiliate programs pay?
Most pet insurance affiliate programs pay $10–$70 per qualified lead or $25–$150 per completed policy, depending on the provider, country, and conversion type. Some premium programs also offer tiered commissions or performance bonuses.
Is pet insurance a good affiliate niche?
Yes. Pet insurance is considered a high-intent, evergreen affiliate niche. Pet owners actively search for coverage when adopting pets, facing vet bills, or planning long-term care—making conversions more consistent compared to many lifestyle niches.
Is pet insurance affiliate marketing beginner-friendly?
Yes, especially for affiliates with SEO or content experience. Pet insurance does not require technical setup, physical products, or customer support. However, competition can be high, so content quality and trust signals are critical.
Do pet insurance affiliate links have long cookie durations?
Cookie durations typically range from 30 to 90 days, though many providers rely on last-click attribution. Since pet insurance decisions may take time, longer cookies are a significant advantage.
Can affiliates promote multiple pet insurance companies?
Yes, and it is often recommended. Comparison content that features multiple providers builds trust, increases dwell time, and improves overall conversion rates—especially when pricing, coverage limits, and exclusions are clearly explained.
Conclusion
These 14 best pet insurance affiliate programs offer a wealth of opportunities for affiliates looking to monetize their love for pets. Before joining any program, take the time to carefully review commission rates, cookie durations, and payout terms. And don’t forget to focus on programs that align with your content and offer real value to pet owners for better conversion potential.
Ellie Tran, a seasoned SEO content writer with three years of experience in the eCommerce world. Being a part of the UpPromote team, Ellie wants to assist Shopify merchants in achieving success through useful content & actionable insights. Ellie's commitment to learning never stops; she's always eager to gain more knowledge about SEO and content marketing to create valuable content for users. When she's not working on content, Ellie enjoys baking and exploring new places.
