Best Pet Insurance Companies & Plans
Discover the best US pet insurance companies and affordable plans to secure your beloved pet. Choose the right pet insurance plan and ensure your furry friend receives the best care without unexpected financial burdens. 🐾
Overall Rating 4.6 / 5
Embrace Pet Health Insurance
Embrace Pet Insurance has great, affordable plans for dogs and cats, with special Wellness Rewards and options for senior pets. The policy is customizable, including deductibles, reimbursement rates, and coverage limits. Embrace provides hassle-free claims and customer services and is responsive so you can focus on your pet’s well-being.
- Average monthly cost for dogs – $35
- Average monthly cost for cats – $18
- Maximum annual coverage – Unlimited
- Deductible – $100 to $1,000
- Max age limit – 14 years
Overall Rating 4.5 / 5
Spot Pet Health Insurance
Spot Pet Insurance covers dogs or cats with plans that include accident, illness, and preventive care at Gold and Platinum levels. Spot offers policies with different deductibles, limits, and reimbursement options to tailor coverage to the pet’s needs. It also includes unique treatments like alternative therapies.
With no age restrictions, it’s ideal for pets of all ages, especially seniors. The Spot focuses on a smooth insurance experience with efficient claims processing and dedicated support, emphasizing pet health and happiness
- Average monthly cost for dogs – $54
- Average monthly cost for cats – $23
- Maximum annual coverage – Unlimited
- Deductible – $100, $250, $500, $750, and $1,000
- Max age limit – No limit
Overall Rating 4.5 / 5
FIGO Pet Health Insurance
Figo Pet Insurance has three levels of customizable accident-and-illness plans that are enhanced with technology for comprehensive coverage. It covers a range of conditions, including hereditary and chronic illnesses. The Figo Pet Cloud app lets you file claims and easily manage your policy. There’s no age limit for enrollment and optional 100% reimbursement rates. Figo’s quick reimbursements and flexibility help pet owners manage pet healthcare effectively, which reduces financial stress.
- Average monthly cost for dogs – $29
- Average monthly cost for cats – $17
- Maximum annual coverage – $5,000 to unlimited
- Deductible – $100 to $750
- Max age limit – No limit
Overall Rating 4.4 / 5
Fetch Pet Health Insurance
Fetch Pet Insurance offers full coverage for dogs and cats, including everything from accidents to holistic treatments. The plan covers visits to any licensed vet in the U.S. or Canada and advanced therapies. You can customize your deductibles, limits, and reimbursement rates with Fetch, which makes it easy to use through the app or website.
- Average monthly cost for dogs – $35
- Average monthly cost for cats – $20
- Maximum annual coverage – $15,000
- Deductible – $250 to $500
- Max age limit – No limit
Overall Rating 4.3 / 5
Pets Best Pet Health Insurance
Pets Best Pet Insurance provides affordable, comprehensive coverage for dogs and cats, with competitive premiums and various plans. They’re especially good at covering accidents and illnesses and have options for older pets. Their policies can be tailored to suit your needs, with flexible deductibles, rates, and limits. At Pets Best, pet wellness is a top priority. The company makes the claims process simple and the service attentive, so pet insurance is easy and focused on pet health and happiness.
- Average monthly cost for dogs – $30
- Average monthly cost for cats – $28
- Maximum annual coverage – $2,500, $5,000, $10,000 or unlimited
- Deductible – $50 to $1,000
- Max age limit – No limit
Overall Rating 4.3 / 5
Trupanion Pet Health Insurance
Trupanion has a unique pet insurance plan with direct vet payments and no payout limits. It covers accidents, illnesses, and hereditary conditions for dogs and cats. It has a lifetime per-incident deductible, which is great for chronic conditions, and it offers 90% reimbursement in most states. Trupanion puts pets first, offering 24/7 support but not including wellness or preventive care.
- Average monthly cost for dogs – $70
- Average monthly cost for cats – $40
- Maximum annual coverage – Unlimited
- Deductible – $0 to $1,000
- Max age limit – 14 years
Overall Rating 4.2 / 5
Lemonade Pet Health Insurance
Lemonade Pet Insurance offers modern, comprehensive coverage for dogs and cats, combining technology with affordability. It covers accidents and illnesses as standard, with the option to add on wellness plans. Lemonade stands out because of its socially responsible model, where any leftover funds are donated to charities.
One of the great things about Lemonade is that you can customize your plan and do it all through the app. There’s no waiting around for claims to be processed. The policyholder can adjust deductibles, rates, and limits, and they can also add on preventative care options and extended coverage.
- Average monthly cost for dogs – $31
- Average monthly cost for cats – $17
- Maximum annual coverage – $100,000
- Deductible – $100, $250, $500
- Max age limit – 14 years
Overall Rating 4.2 / 5
Pumpkin Pet Health Insurance
Pumpkin Pet Insurance offers complete coverage, including dental, behavioral, hereditary conditions, and some pre-existing conditions. The plan covers accidents and illnesses and includes unique benefits, like alternative therapies and prescription food supplements. Pumpkin has customizable deductibles and a uniform 90% reimbursement rate to fit a range of budgets. There are no upper age limits, and you can also add on preventive care, which shows that they’re committed to holistic, proactive pet wellness for all life stages.
- Average monthly cost for dogs – $109
- Average monthly cost for cats – $61
- Maximum annual coverage – Unlimited
- Deductible – $100, $250, $500, or $1,000
- Max age limit – No limit
Overall Rating 4.2 / 5
Healthy Paws Pet Health Insurance
Healthy Paws Pet Insurance has simple, affordable, comprehensive coverage with no annual or lifetime limits to give pet owners peace of mind. The plan is simple, with a 30-day money-back guarantee it is easy for customers to get what they need. While it’s not customizable for older pets, its simplicity and transparency are key benefits. At Healthy Paws, pet wellness is a top priority. The claims process is simple and streamlined through a mobile app and direct vet payment options. It’s accredited by the Better Business Bureau, which means it’s a reliable and accessible pet insurance provider.
- Average monthly cost for dogs – $72
- Average monthly cost for cats – $36
- Maximum annual coverage – $5,000
- Deductible – $250 or $500 (under 6 years)
$500-$1,000 (6 years and older) - Max age limit – No limit
Overall Rating 4.0 / 5
ASPCA Pet Health Insurance
ASPCA Pet Health Insurance teamed up with Crum & Forster in 2006 to offer customizable insurance plans that cover accidents, illnesses, and hereditary conditions. It’s the only plan that covers vet exam fees and microchipping, with flexible deductibles, rates, and coverage limits, plus a 10% multi-pet discount and optional wellness plans. The ASPCA supports pet wellness with a 24/7 telehealth line, and you can visit any licensed vet in the US or Canada.
- Average monthly cost for dogs – $36
- Average monthly cost for cats – $16
- Maximum annual coverage – $10,000
- Deductible – $100 to $500
- Max age limit – No limit
Overall Rating 4.0 / 5
Metlife Pet Health Insurance
MetLife Pet Insurance provides comprehensive, customizable insurance for dogs and cats, covering accidents, illnesses, chronic and hereditary conditions, and alternative treatments. MetLife is known for its industry legacy and affordable premiums. It offers flexible plans that allow pet owners to choose deductibles, reimbursement rates, and coverage limits. MetLife has an efficient claims process, responsive customer support, and a focus on keeping pets healthy and happy.
- Average monthly cost for dogs – $30
- Average monthly cost for cats – $17
- Maximum annual coverage – $10,000
- Deductible – $50 to $2,500
- Max age limit – No limit
Overall Rating 4.0 / 5
ManyPets Pet Health Insurance
ManyPets Pet Insurance is a one-of-a-kind coverage provider for dogs and cats, including accidents, illnesses, and wellness care. What sets it apart is that it covers pre-existing conditions, which many other insurers often exclude. With competitive pricing and customer-friendly policies, ManyPets makes it easy for customers to switch policies with no waiting period and doesn’t raise premiums after a claim.
- Average monthly cost for dogs – $30
- Average monthly cost for cats – $25
- Maximum annual coverage – Unlimited
- Deductible – $250, $500
- Max age limit – No limit
Overall Rating 3.9 / 5
Wagmo Pet Health Insurance
Wagmo pet insurance covers accidents and illnesses, and some great wellness plans address all pet care needs. These wellness plans make it easier and more affordable for pet owners to get preventive care. Wagmo lets pet owners tailor their insurance to suit their needs, with flexible options for deductibles, reimbursement rates, and coverage limits.
- Average monthly cost for dogs – $49
- Average monthly cost for cats – $28
- Maximum annual coverage – up to $20,000*
- Deductible – $250, $500, $1,000
- Max age limit – No limit
Overall Rating 3.8 / 5
Prudent Pet Health Insurance
Prudent Pet Insurance takes the stress out of pet insurance with comprehensive, customizable coverage for dogs and cats. Plans include accident and illness, as well as accident-only options. Prudent Pet is known for its customer-centric approach and flexibility, allowing pet owners to tailor deductibles, reimbursement levels, and coverage limits to suit their needs. With competitive pricing and a simple claims process, Prudent Pet makes pet insurance easy and stress-free, supporting pet wellness and the well-being of our furry family members.
- Average monthly cost for dogs – $45
- Average monthly cost for cats – $40
- Maximum annual coverage – $5,000 or unlimited
- Deductible – $50, $100, $200, $250, $500 or $1000
- Max age limit – No limit
Overall Rating 3.8 / 5
Hartville Pet Health Insurance
Hartville Pet Insurance provides a range of comprehensive, customizable plans for dogs and cats, covering accidents, illnesses, and preventive care. Hartville offers options for tailoring deductibles, reimbursement rates, and coverage limits to fit a variety of budgets and needs. What really sets them apart is their focus on affordability and versatility, which is evident in their wellness add-ons. They’re a supportive partner in pet health. They have a simple claims process and customer service team dedicated to helping pet owners.
- Average monthly cost for dogs – $49
- Average monthly cost for cats – $28
- Maximum annual coverage – $10,000
- Deductible – $100, $250 or $500
- Max age limit – No limit
What is Pet Insurance?
Pet insurance is a type of insurance policy designed specifically for pets. It works in a similar way to health insurance for humans. It’s designed to help you out financially when unexpected vet costs come up about your pet’s illnesses, injuries, and other health issues.
Purpose of Pet Insurance
People get pet insurance mainly to make sure they can afford to take care of their pets’ health needs. Veterinary treatments can get pricey, especially when it comes to emergencies, chronic illnesses, surgeries, or ongoing medications. Pet insurance helps cover many of these costs, which is a massive help to pet owners.
How to Choose the Right Pet Insurance Company
Here are 5 steps to take when deciding what the pet insurance company is best for you:
- Assess Your Pet’s Needs. Consider your pet’s health risks based on age, breed, and pre-existing conditions. This will help you understand what kind of insurance they might need.
- Company Research and Comparison. Check out the insurers and see what people think of them and how happy customers are. Look at the different policies and see what they cover, what they don’t cover, and what the limits are.
- Policy Details and Costs. Ensure you understand what’s included in each policy, what’s not, and what it’ll cost you. Think about deductibles, co-pays, and any discounts that might be available.
- Flexibility and Support. Check for policy customization options, the insurer’s customer support quality, and any additional benefits offered.
- Decision Making. Think about trial periods and choose a plan that meets your pet’s current needs and future care requirements.
| Company Name | Unique Features | Best For | Avg. Cost for Dogs | Avg. Cost for Cats |
|---|---|---|---|---|
| Embrace | Senior pet focus, customizable | Older pets | $35 | $18 |
| Spot | No age limits, alternative therapies | All ages, specialized treatments | $54 | $23 |
| FIGO | Tech integration, chronic conditions | Tech-savvy owners | $29 | $17 |
| Fetch | Holistic treatments, North America wide | Travelers | $35 | $20 |
| Pets Best | Older pets, competitive premiums | Budget-conscious, older pets | $30 | $28 |
| Trupanion | Direct vet payments, chronic focus | Chronic conditions | $70 | $40 |
| Lemonade | Tech-driven, socially responsible | Tech-oriented, young owners | $31 | $17 |
| Pumpkin | Covers dental, behavioral, pre-existing | Comprehensive needs | $109 | $61 |
| Healthy Paws | Simple, transparent, BBB accredited | Easy, reliable coverage | $72 | $36 |
| ASPCA | Covers exam fees, microchipping, telehealth | Routine care, telehealth needs | $36 | $16 |
| MetLife | Industry legacy, comprehensive coverage | Extensive, reliable coverage | $30 | $17 |
| ManyPets | Covers pre-existing, no waiting for switches | Pre-existing conditions, policy switching | $30 | $25 |
| Wagmo | Wellness plans, adjustable coverage | Preventive care focus | $49 | $28 |
| Prudent Pet | Customizable, customer-centric | Custom tailored insurance | $45 | $40 |
| Hartville | Affordable, comprehensive | Affordability, versatile needs | $49 | $28 |
How Does Pet Insurance Work?
Pet insurance works similarly to human health insurance, providing financial coverage for your pet’s medical expenses. If your pet needs to see a vet, whether for a routine check-up, an emergency, or ongoing health issues, pet insurance can help cover some of the costs.
You usually pay the vet directly and then submit a claim to the insurance provider, who reimburses you based on your plan’s coverage.
Pet insurance details include paying a monthly or annual premium for your chosen plan, which determines how much coverage you get. Different types of policies have different deductibles, reimbursement rates, and coverage limits.
Some plans cover everything, including accidents, illnesses, and preventive care, while others may only cover certain things.
Insurance Company Coverings
Here is a table aimed to help you define the best insurance company plan and included services:
| Company Name | Accident Coverage | Illness Coverage | Wellness Plan | Hereditary Conditions | Dental Care | Alternative Therapies |
|---|---|---|---|---|---|---|
| Embrace | Yes | Yes | Yes | Yes | No | No |
| Spot | Yes | Yes | Yes | Yes | No | Yes |
| FIGO | Yes | Yes | No | Yes | No | No |
| Fetch | Yes | Yes | No | Yes | Yes | Yes |
| Pets Best | Yes | Yes | Yes | Yes | No | No |
| Trupanion | Yes | Yes | No | Yes | No | No |
| Lemonade | Yes | Yes | Yes | Yes | No | No |
| Pumpkin | Yes | Yes | Yes | Yes | Yes | Yes |
| Healthy Paws | Yes | Yes | No | Yes | No | No |
| ASPCA | Yes | Yes | Yes | Yes | No | No |
| MetLife | Yes | Yes | No | Yes | Yes | No |
| ManyPets | Yes | Yes | Yes | Yes | Yes | Yes |
| Wagmo | Yes | Yes | Yes | Yes | No | No |
| Prudent Pet | Yes | Yes | Yes | Yes | No | Yes |
| Hartville | Yes | Yes | Yes | Yes | Yes | No |
Frequently Asked Questions❓🙋
What is pet insurance and why is it important?
Pet insurance helps cover the cost of veterinary care, ensuring pets can receive necessary treatments without financial hardship for their owners.
How does pet insurance work?
Similar to human health insurance, pet insurance involves paying a premium for coverage, which then helps pay for eligible veterinary expenses.
What types of pet insurance policies are available?
Common types include accident-only, comprehensive, and wellness coverage, each offering different levels of protection.
How do I choose the right pet insurance policy?
Consider your pet’s needs, including breed-specific health issues, age, and lifestyle, as well as the policy’s coverage, exclusions, deductibles, and premiums.
Can pet insurance be used at any veterinary clinic?
Typically, pet insurance allows you to visit any licensed veterinarian, unlike human health insurance which often has network restrictions.
How do I file a claim with pet insurance?
You generally pay the vet bill upfront and then submit a claim to the insurance company for reimbursement, subject to the policy’s terms and conditions.
How do deductibles and reimbursements work in pet insurance?
A deductible is the amount you pay out-of-pocket before the insurance covers costs. Reimbursements are based on the covered amount minus the deductible.
Are there any breeds excluded from pet insurance?
While most breeds are eligible, some insurers may have restrictions or higher premiums for certain breeds prone to health issues.
Can I cancel my pet insurance policy anytime?
Most policies allow cancellation anytime, but it’s important to check if there are any fees or notice periods required.
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