Alan Percal

Alan Percal is the founder of Compare Pet Coverage and has been involved in the pet insurance industry since 2021. He started the site after 9 years of being a dog parent and getting tired of pet content that read like it was written by people who’d never actually picked up a leash or scrubbed a litter box. His Australian Shepherd mix is the reason he learned more about the pet industry than he ever expected to.

CPC exists to give pet parents the kind of plain-English, no-fluff guidance Alan wishes he’d had when he was the one Googling vet bills at 11pm and which dog food is the best for his dog. Every post is researched against primary sources — peer-reviewed studies, insurer policy documents, first hand experience, AVMA, and ASPCA guidance — and reviewed before publishing. We’re not vets, and nothing on the site replaces a conversation with yours, but we’ll tell you what we’d actually do if it were our pet.

19 POSTS

Pet insurance and pre-existing conditions: what’s actually covered (2026)

No pet insurer covers pre-existing conditions outright. But Embrace, Spot, and ASPCA reinstate curable ones after a symptom-free window.

How much does pet insurance cost for a senior dog? (2026)

Senior dog pet insurance averages ~$109/month in 2026. Real ranges by breed, which insurers accept older dogs, and when it makes sense.

Does pet insurance cover ACL surgery for dogs? (2026)

TPLO surgery runs $3,500–$7,500 per knee in 2026, with a 40–50% chance of needing it on the second knee. Here's how each major insurer handles cruciate coverage.

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