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Best Pet Insurance Companies

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by Matthew Brodsky Insurance Contributing Editor

Pet insurance helps pet owners pay the cost of medical expenses if their pet becomes ill or has an accident. Pet insurance plans can cover routine checkups and wellness procedures, such as annual exams, spaying, neutering, etc. We created this simple quiz to help you decide if pet insurance is a good idea for you.

Compare Top Pet Insurance Companies

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ASPCA Pet Health Insurance
Read 593 Reviews

This pet insurance company offers complete coverage and accident-only coverage options for dogs and cats. It also offers reimbursement for many preventative care services. Receive a 10% discount when you insure multiple pets.

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AKC Pet Insurance
Read 478 Reviews

AKC Pet Insurance, provided by PetPartners Inc, has customizable policies designed to ease your worries about affording pet health care.

toll freenumber(866) 725-2747
Embrace Pet Insurance
Read 173 Reviews

With head-to-head comparisons available on their website, Embrace Pet Insurance demonstrates their coverage value. Their high annual limits, along with the lack of per incident maximums, makes them highly competitive.

Trupanion
Read 180 Reviews

Trupanion's single, easy to understand plan option with 90% reimbursement and no payout limitations make them a quick shop for pet insurance. Their prices are determined by pet demographics, not care quality.

Petplan
Read 124 Reviews

Offering everything from vacation cancellation protection to lost pet recovery reimbursement, Petplan takes a holistic view of animal welfare and health care. Their policies are easy to understand with listed annual maximums.

Healthy Paws Pet Insurance & Foundation
Read 84 Reviews

Covering everything from cancer to emergency care, Healthy Paws Pet Insurance & Foundation offers top-rated pet insurance policies. Their easy claims process makes getting reimbursements quick and painless.

Nationwide Pet Insurance
Read 385 Reviews

Nationwide includes 24/7 access to trained veterinary professionals and reimbursements for covered medical costs. They offer both routine and comprehensive care options to keep care costs affordable.

24PetWatch Pet Insurance
Read 197 Reviews

With a combination of lost pet recovery and pet insurance products, 24PetWatch offers a complete range of features designed to protect the health and wellness of furry family members.

Figo Pet Insurance
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Figo is a cloud-based pet insurance company, which makes it easy for pet owners to keep track of their veterinary visits and claim submissions. Figo offers three flexible pet insurance plans.

Pet Assure
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PetAssure is a membership club that offers discounts on veterinary services and supplies. Using this company, members can take advantage of discounts at the vet's office rather than waiting for reimbursement from insurance.

PetFirst
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PetFirst plans cost an average of $25 per month and puts pet owners firmly in control of their pet's health. Their Lifelong Coverage guarantee even protects pets with congenital conditions.

toll freenumber(833) 916-1352
PetPremium
Read Expert Review

PetPremium Wellness coverage starts the day after it is purchased, so pets can see the vet when they need to. Tiered pricing and low incident limits helps keep these plans affordable, along with several deductible options.

Pets Best
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Pets Best offers plans that pay reimbursements of up to 100%, allowing pet owners to tackle any illness/injury with confidence. Short waiting periods means pet owners can start using their coverage in days.

HappiPets Insurance
Read Expert Review Out of Business

HappiPets Insurance is an award-winning pet insurance provider. The company helps pet parents defray the cost of unexpected veterinary visits by offering reimbursements in the event of a covered illness or injury.

Pet insurance questions

vet holding dog and cat

What does pet insurance cover?

Like your health insurance, pet insurance exists to make it affordable for pet owners to get their pets the medical care they need without paying exorbitant fees. It is designed to cover unexpected accidents and illnesses. The amount you’ll be reimbursed will vary depending on the plan you choose. While coverage will vary from plan to plan, here are some things that are generally covered by pet insurance:

  • Infections
  • Ear illnesses
  • Eye illnesses
  • Flea borne illnesses
  • Foreign body ingestion
  • Car accidents
  • Lacerations
  • Insect bites
  • Bone fracture or break

What does pet insurance not cover?

If you have pet insurance, you might assume that it will cover all medical issues and expenses, but many times it has exclusions. Here are some common things not covered by pet insurance:

  • Pre-existing conditions
  • Examination fees
  • Preventive Care
  • Cosmetic procedures
  • Owner negligence
  • Breeding costs

How does pet insurance work?

Pet insurance works differently than human health insurance. When visiting a veterinarian, you will pay for the services out of pocket at your appointment. After, you file a claim to get reimbursed for what is eligible. If approved, funds will be delivered to you via direct depost or by mail.

How much is pet insurance?

On average, expect to pay anywhere from $25–$50 per month for a comprehensive pet insurance plan that covers illnesses and accidents. Accident-only coverage only costs around $10–$20 per month. The cost of pet insurance varies according to your location, what type of pet you have, your pet's age and what type of coverage you choose. Similar to human health insurance, pet insurance also has premiums, deductibles, co-pays and maximum payouts.

  • Premium: The premium is the amount you pay monthly, quarterly or annually for your insurance policy.
  • Deductible: The deductible is the amount of the vet bills you have to reach before the insurance company starts to pay. Higher deductibles usually mean a lower premium, but more of your money is invested over the initial medical expenses.
  • Co-pay: Most insurance policies will cover only a portion of medical expenses even after you’ve met your deductible and expect you to cover a portion. For example, your policy might stipulate that you pay 20 percent and the insurance company pays 80 percent. Higher co-pays will lower your premium as well but will increase your out-of-pocket payments for each expense. When determining reimbursement, also keep in mind that some pet insurance policies pay out as a percentage of the invoice while others pay out on certain amounts for certain conditions or operations, no matter what the bill was.
  • Maximum payout: Most insurance policies will determine a maximum amount of money they will give you, whether it is a certain amount each year, per event or during the lifetime of your policy. Once it is reached, you will not receive any more money.
  • Extra costs: Pets with existing conditions or advanced age may be refused coverage or might require higher premiums to cover their medical insurance. Be sure to read carefully to determine if your pet will incur any extra costs.

Is pet insurance be worth it?

Pet insurance can be worth it if you anticipate having high medical costs associated with your pet. People who benefit the most from pet insurance are pet owners with older pets, first-time pet owners who appreciate the peace of mind that comes with knowing they can take their puppy or kitten to the vet without paying out-of-pocket, and owners of multiple pets who might have to pay medical expenses several times throughout a year.

If you are getting a new pet and are concerned about what will happen if your new pet gets sick or dies soon after you bring him home, make sure to research pet purchase protection laws to see what is required in your state.

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Types of pet insurance coverage

vet holding a cat

Basic coverage

This traditional form of pet insurance coverage mirrors your typical human health insurance plan. It generally covers anything accidental, such as unforeseen injuries or illnesses—even poisonings. Basic coverages typically include deductibles and caps on total payouts per policy term.

Comprehensive coverage

While covering most everything that a traditional basic plan would cover, comprehensive takes pet insurance one step further by including preventive care (such as vet visits, X-rays and vaccinations) and prescription medicines.

Wellness plans

Want coverage to help finance for routine care? Then a pet wellness plan is for you, to help pay for annual exams, teeth cleanings, vaccinations and other similar preventative treatments.

Vet packages and network plans

Additional pet insurance-like pet products are often sponsored by veterinarians themselves or in conjunction with pet stores. For instance, certain vets will offer their customers essentially what are package deals, which provide discounts on care and checkups. Or vets and pet stores may team up to offer plans that give discounts on surgeries and care, as well as on pet food and other supplies.

Other coverage

For pets that are exotic or worth a lot to their owners, life and theft insurance can be bought as a separate plan. Pet owners can also consider liability coverage to protect them should their pet bite or harm another person. Typically, homeowners or renter’s insurance provides enough protection, but for certain more aggressive breeds, additional insurance may be needed.

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Pet insurance company reviews

AKC Pet Insurance

AKC Pet insurance was founded in 2003 by John Spurling, who first offered pet insurance to the Kennel Club of Great Britain in the 1980s. The company's headquarters are now located in Seattle, Washington.

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ASPCA Pet Health Insurance

With options for dogs and cats, this pet insurance company allows pet owners to visit any veterinarian in the U.S. and Canada. They have complete coverage and accident-only coverage options.

  • No networks: Unlike other insurance companies, ASPCA doesn’t work inside a network, which means you can take your dog or cat to any vet in the U.S. and Canada. This can be especially helpful for people who like to travel with their pet.
  • ASPCA claims: Claims can be submitted online, through the mobile app, by mail or by fax. You can choose to be reimbursed directly into your bank account, or you can have a check mailed to you.
  • Complete Coverage: This insurance plan covers everything when your pet is hurt or ill, including accidents, sickness, hereditary conditions and even behavioral issues.
  • Accident-only coverage: Accident-only coverage will cover exam fees, diagnostics and treatment for accidents.
  • Multi-pet discount: Save 10% when you insure multiple pets with ASPCA pet insurance. Discounts are applied automatically.
Read 593 Reviews
Petplan

Drawing on more than 35 years of experience in the pet insurance industry, through their relationship with sister company Petplan UK, Petplan offers policies in all 50 states and the District of Columbia. As the insurer of choice for rescues and animal shelters nationwide, they are an industry leader in the pet insurance space.

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PetPremium

PetPremium is an insurance company that helps pet owners ensure their pets live longer and healthier lives. It offers pet owners insurance against illness or accident so that owners don't have to pay out of pocket for vet bills.

  • Website offers pet health articles: PetPremium hires veterinarians to write articles on various aspects of pet health so that users can quickly get their questions answered.
  • Wellness coverage available: Users can purchase insurance that covers routine visits such as yearly checkups.
  • Chronic conditions may be covered: Users who have an older pet or a pet with a chronic disease can get special care covered.
  • Three levels of coverage: PetPremium offers various levels of coverage to meet different needs pet owners may have.
  • Behavioral treatments may be covered: Users who need help with their pet's behavioral problems can get coverage for specialized treatment.
  • Best for: Owners of multiple pets, people whose pet has a chronic health condition , and people who are getting their first pet.
Pets Best

Pets Best is a pet insurance company for dogs and cats that was founded in 2005. The company was founded by the person often considered the "father" of pet insurance in North America, Jack Stephens.

  • Free online quote: Pet owners can receive a fast and convenient quote for their pet online, hassle-free.
  • Discounts offered: Customers who choose Pets Best can take advantage of discounts for covering multiple pets with the company.
  • Dog and cat insurance: Pet owners who have both cats and dogs can cover them with one company, since Pets Best offers plans for both.
  • Insurance levels offered: The company offers three different levels of insurance at different prices, so pet owners can choose the proper amount of coverage they thing is necessary for their pet.
  • Specialized plans for special situations: Pets Best offers specialized only plans, like Cancer Only Coverage, for pet owners with pets in specific health situations.
  • Best for: Pet owners with multiple pets, pet owners with both cats and dogs , and pet owners with pets who have cancer.
Trupanion

Trupanion is a pet medical insurance company founded by CEO Darryl Rawlings. The company is a founding member of the North American Pet Health Insurance Association (NAPHIA) and has been publicly traded since July of 2014.

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24PetWatch Pet Insurance

24Petwatch is a company that specializes in pet protection services. The company is headquartered in Buffalo, New York.

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Embrace Pet Insurance

Embrace Pet Insurance is a pet insurance company that has been in operation since 2006, focusing on sustainability and providing expert pet care.

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Healthy Paws Pet Insurance & Foundation

Since its inception in 2009, Healthy Paws Pet Insurance & Foundation has been improving the health of domestic animals. They offer insurance policies and fund a foundation dedicated to providing vet care to animal rescue organizations.

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Nationwide Pet Insurance

Founded in 1982, when Veterinary Pet Insurance issued their first policy on TV star Lassie, this company has insured more than 1 million pets. Their commitment to making quality vet care affordable is backed by the financial stability of one of the world's largest insurance companies, Nationwide.

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Pet Assure

Pet Assure is a membership program that allows users to receive discounts on health care for their pets. It has been offering these discounts since 1995.

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Figo Pet Insurance

Figo Pet Insurance, created in 2012, is a company that provides health insurance for cats and dogs. It's the first cloud-based insurance company that offers personal Web-based tools and applications for pets and pet owners.

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HappiPets Insurance

Based in Indiana, HappiPets Insurance is dedicated to providing the best health care available to furry family members. The company's staff is made up of pet lovers who understand the stress that comes with vet visits, which is part of the reason for its award-winning customer service.

  • Multi-pet discounts: When furry family members are a big part of the household, it pays to get coverage for every four-legged member. HappiPets Insurance covers up to three pets under 10 years old on a single policy.
  • No incident limits: While there are annual benefit limits, there are no maximums for a specific issue. So if an accident happens, your pet can use the entire annual maximum to get the quickest possible recovery.
  • Routine care coverage: With this add-on, pets can enjoy annual preventive vet visits, flea and tick repellents, heartworm medication and behavior training.
  • No heredity exclusions: Given particular breeds are prone to developing certain illnesses, some pet insurance companies exclude coverage for things like dysplasia or cancer. With HappiPets, there are no exclusions for hereditary conditions, breed-specific diseases or chronic and congenital illnesses.
  • No exam required: Pets can enjoy coverage immediately, no matter when their last vet visit took place.
  • Best for: Dog owners, cat owners and pet rescuers.
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Profile picture of Matthew Brodsky
Matthew Brodsky Insurance Contributing Editor

Matthew Brodsky is an established expert on insurance, having written hundreds of articles and other pieces of content on the subject, interviewed countless practitioners, and attended dozens of conferences and events. He served as an editor at industry magazine Risk & Insurance for six years.