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Find the Best Pet Insurance Companies

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by Matthew Brodsky Insurance Contributing Editor

When you have pet insurance and take your pet in for unexpected veterinary care, the out-of-pocket cost is lower. Our research team vetted 18 pet insurance companies that are rated by more than 3,330 customers. Read our guide to find the best provider for you by comparing coverage plans, policy terms, reviews and complaints.

Our 5 top pet insurance picks

To find the best pet insurance, we looked for providers with widespread availability, flexible coverage plan options and excellent customer reviews.

The ConsumerAffairs research team started with a list of 18 companies. To narrow it down, we excluded those with fewer than 10 verified reviews on our site over the last year, leaving 11 companies. We then eliminated companies with an overall satisfaction rating below 3.5, which left six. To stay on the list, companies had to have at least a 2-1 ratio of 5-star reviews to 1-star reviews. This left us with the top five.

We then analyzed customer review data to determine what features specifically stood out to happy customers. For example, Spot is our pick for Easy Claims Process because of the high density of recurring phrases (e.g., “easy file claims,” “claims very helpful”) in verified 5-star reviews on our site over the last year.

Our pick for overallASPCA Pet Health InsuranceAUTHORIZED PARTNER
  • Plans for dogs, cats and horses
  • $100 to $500 annual deductible
  • 70% to 90% reimbursement rates
  • $3,000 to $15,000 annual benefits

ASPCA Pet Health Insurance is our top pick overall because it’s got great reviews and flexible coverage plans, and it's available in most states. ASPCA can cover the exam fees, costs of diagnostics and treatment for accidents, illnesses, behavioral issues and hereditary conditions. All products are underwritten by United States Fire Insurance Company.

You can visit any veterinarian or emergency clinic and then submit a claim online, through the mail or by fax. Once approved, you can get reimbursement directly deposited into your bank account or by check through the mail.

Costs and coverage

For a 10-month-old female corgi in Tulsa, Oklahoma, accident-only coverage costs $19.50 per month for a plan with a $5,000 annual limit, 80% reimbursement rate and $250 annual deductible. We were quoted $35 per month for comprehensive coverage with the same terms. For a 1-year-old female domestic shorthair cat, we were quoted $12.24 per month for an accident-only plan and $17.03 per month for comprehensive coverage.

For horses, coverage is available for colic, accidents and illnesses. Plans start around $20 per month. To get comprehensive coverage for a 1-year-old male Morgan, we were quoted $60.08 per month for a plan with a $5,000 annual limit, 80% reimbursement and $250 annual deductible. Rates can depend on a variety of factors, including whether or not the animal has ever been used for racing, had surgery for colic or showed certain medical symptoms.


  • No age restrictions
  • Discounts for multiple pets
  • Available nationwide
  • Preventive care options
  • 30-day money-back guarantee


  • Preventive care coverage costs extra
  • Some per-treatment limits
  • No rate-lock guarantee
  • Some claims denied
Our pick for easy claims processSpot Pet InsuranceAUTHORIZED PARTNER
  • Plans for dogs and cats
  • $100 to $1,000 annual deductible
  • 70% to 90% reimbursement rates
  • $2,500 to unlimited annual benefits

In addition to accidents, illnesses, behavioral issues and hereditary conditions, Spot Pet Insurance also covers alternative therapies and chronic conditions. People really seem to like that claims are simple to file and paid out in a timely manner.

According to a reviewer in California, Spot paid out two claims and was great to deal with overall. Sadly, the reviewer’s still dog didn’t make it, but we like that Spot did the right thing: “They backdated my cancellation date to the date he passed… and [sent] a sympathy card.” The reviewer said they would be back when they get another dog.

Costs and coverage

Comprehensive coverage for a 10-month-old corgi in Tulsa costs between $18.57 and $49.87 per month, depending on the annual limit, deductible and reimbursement level you select. For accident-only coverage, we were quoted between $10.31 and $27.69.

To get coverage for a cat in the same city, we were quoted $9.20 to $27.10 for comprehensive coverage. Accident-only plans cost between $6.61 and $19.48. For dogs and cats, you also have the option to add preventive care and wellness to your policy for a little more.

The company offers two preventive care packages that cover routine visits for dental cleanings and vaccinations. The Gold package costs $9.95 per month and includes benefits for heartworm and FeLV tests, deworming, wellness exams and more. Platinum preventive care is $24.95 per month and covers everything in the Gold package, plus flea and heartworm prevention, canine bordetella or reline FeLV vaccine/titer, blood tests, urinalysis and health certificates.


  • No age or claim limits
  • Covers alternative therapies
  • Flexible plans
  • 30-day money-back guarantee
  • No per-incident limits or lifetime caps


  • Higher premiums for older pets
  • No preexisting condition coverage
  • Some documentation required
  • Exclusions for bilateral conditions
Our pick for wellness plansTrustedPals Pet InsuranceAUTHORIZED PARTNER
  • Covers dogs and cats
  • $0 to $750 annual deductible
  • 70% to 100% reimbursement rate
  • $4,000 to unlimited annual benefits

Like Spot, TrustedPals also makes it easy to make claims on your phone. We also like that the company pledges 1% of all profits to help homeless pets affected by natural disasters.

TrustedPals offers just one plan with multiple customization options. This means that coverages and exclusions are standard. The company is backed by the Zurich American Insurance Company and Marsh USA Inc.

Costs and coverage

We were quoted between $30 and $78 per month to cover a 10-month-old female corgi in Tulsa. Additional wellness plans are available for an extra $20 to $25 per month. Coverage for a female cat in the same area is between $20 and $51 per month. Cat owners can add a wellness plan for an extra $15.

You can customize your plan by raising or lowering your reimbursement rate, annual limit and deductible. With all plans, you can save a little bit of money by opting for a one-time annual payment. For both dogs and cats, the Wellness plan endorsement is limited to a $750 reimbursement.


  • Covers prescription food and supplements
  • Easy claims process
  • Helpful customer service
  • Discounts for service dogs
  • Discounts for enrolling multiple pets


  • Preventive care is extra
  • Expensive coverage for older pets
  • TrustedSpotter program not available in all states
  • Monthly transaction fee may apply
Our pick for easy-to-use appFigo Pet InsuranceAUTHORIZED PARTNER
  • Covers dogs and cats
  • $100 to $750 annual deductible
  • 70% to 100% reimbursement rate
  • $5,000 to unlimited annual benefits

Figo is built for the urban pet parent, according to the company’s website. Through the Figo Pet Cloud app, you can connect with other pet owners near you to chat, plan play dates and share photos.

We like that you can take your pet to any veterinary clinic in the United States, Canada or Puerto Rico. Coverage is underwritten by the Independence American Insurance Company (IAIC).

Costs and coverage

For a 10-month-old female corgi in Tulsa, we were quoted $28.88 to $33.42 per month, with the option to add coverage for veterinary exam fees for accident and illness visits for an extra $5.53 per month. For a year-old female cat in the same area, Figo quoted $18.69 to $21.62 per month for coverage. It’s an extra $3.58 per month to add vet exam coverage.

You can adjust coverage for your budget by raising or lowering your reimbursement rate and deductible. Annual benefits are unlimited in most states. However, there is a $20,000 cap in Washington and Massachusetts.


  • Direct deposit for claims payments
  • Great customer service
  • 100% reimbursement rate available
  • 24/7 virtual vet visits available
  • Covers chronic conditions and cancer treatments


  • Coverage may vary by state
  • Plans for older dogs can be pricey
  • Annual and lifetime limits
  • No price-lock guarantee
Our pick for new puppiesEmbrace Pet InsuranceAUTHORIZED PARTNER
  • Covers dogs and cats
  • $200 to $1,000 annual deductible
  • 70% to 90% reimbursement rate
  • $5,000 to $30,000 annual benefits limit

Embrace Pet Insurance offers “nose-to-tail” coverage for accidents, medical and dental illnesses, genetic conditions and cancer, plus chronic conditions such as allergies, diabetes and arthritis. Policies are backed by the American Modern Insurance Group and the American Southern Home Insurance Company.

Overall, happy Embrace customers appreciate the good customer service. They say representatives are good at explaining what is and isn’t covered so that people aren’t surprised by a specific exclusion down the road.

Multiple reviewers who left 5-star reviews got a policy shortly after getting a new puppy. “I chose Embrace when shopping for pet insurance for my new puppy,” said a verified customer in Florida. “I did not have pet insurance for my previous dog and regretted it when she got very ill and treatments were cost-prohibitive.”

Costs and coverage

We were quoted $39.07 per month to get accident and illness coverage for a 1-year-old female corgi in Tulsa. The quoted policy has an $8,000 annual reimbursement limit, $750 annual deductible and 80% reimbursement rate. For a cat of the same age and in the same area, it only costs $10.50 per month for a plan with the same terms.

Covered treatments include emergency and specialist vet care, diagnostic testing, hospitalization and surgery, mobility devices, prescriptions, behavior therapy and alternative therapies. All plans include coverage for exam fees. Additional Wellness Rewards are also available for dogs and cats. Starting at $18.75 per month, packages offer supplementary savings for routine care.


  • Free medical history review
  • Vanishing deductible
  • Short waiting period for accident-only coverage
  • Military discounts
  • Multiple pet discounts


  • May not be available in all states
  • No zero-deductible options
  • Some claims denied
  • Age limits for coverage

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How does pet insurance work?

Pet insurance works similarly to human health insurance in some ways and is different in others. When visiting a veterinarian, you will pay for the services out of pocket at your appointment. After, you file a claim to get reimbursed. If approved, funds will be delivered to you via direct deposit or by mail. The amount you’ll be reimbursed will depend on the plan you choose. There’s typically a waiting period, during which time you can’t make a claim and expect a payout.

"Like human health insurance, pet insurance makes it more affordable to get medical care when you need it."

Like human health insurance, pet insurance makes it more affordable to get medical care when you need it. Plans are designed to cover unexpected accidents and illnesses. Coverage varies from plan to plan, but here are some things that are typically included:

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

Pet insurance comparison chart

Below, compare pet insurance plans from some of our top-recommended companies on deductibles, reimbursements and claim limits.

Waiting periodAnnual deductible*Reimbursement rate*Claim limits*
ASPCAUp to 14 days$100, $250 or $50070%, 80% or 90%$3,000, $5,000, $7,000, $10,000 or $15,00
Spot14 days$100, $250, $500, $750 or $1,00070%, 80% or 90%$2,500, $4,000, $5,000, $7,000, $10,000 or unlimited
TrustedPals14 days$0, $100, $250, $500 or $75070%, 80%, 90% or 100%$4,000, $8,000, $15,000 or unlimited
Figo3 days to 6 months$100, $250, $500 or $75070%, 80%, 90% or 100%$5,000, $10,000 or unlimited
Embrace2 days to 6 months$200, $300, $500, $750 or $1,00070%, 80% or 90%$5,000, $8,000, $10,000, $15,000 or $30,000
*At time of publishing

What does pet insurance cover?

vet holding a cat

Depending on the level of coverage you want, plans can include accidents, illnesses and chronic conditions. Basic coverage is typically the cheapest, with comprehensive plans and add-on wellness packages adding to your baseline monthly costs.

  • Basic coverage: This traditional form of pet insurance generally covers anything accidental, such as unforeseen injuries caused by foreign objects, such as cars, and even poisonings. Sometimes called accident-only coverage, it typically has deductibles and caps on total payouts per policy term.
  • Comprehensive coverage: Comprehensive plans take pet insurance one step further by including coverage for sudden illnesses and chronic conditions, such as cancer, heart disease and arthritis. Most comprehensive policies also cover congenital and hereditary issues.
  • Wellness plans: If you want coverage to help pay for routine pet care, then a wellness plan is for you. It can help pay for annual exams, teeth cleanings, vaccinations and other preventive treatments (such as vet visits, X-rays and vaccinations) and prescription medicines.
  • Vet packages and network plans: Some veterinarians offer their clients discount packages, which provide deals on care and checkups. Vets and pet stores sometimes team up to offer exclusive specials on food, supplies, treatment and care.
  • 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 insurance provides enough protection, but for certain more aggressive breeds, additional insurance may be needed.

What does pet insurance not cover?

If you have pet insurance, you might assume that it will cover all medical issues and expenses, but there are exclusions. For instance, basic plans don’t cover routine illnesses, only accidents. Comprehensive plans cover illnesses and developed conditions, but usually not routine care. Here are some common things not covered:

  • Preexisting conditions
  • Examination fees
  • Preventive care
  • Cosmetic procedures
  • Owner negligence
  • Breeding costs

Pet insurance is not like life insurance — you don’t get a big payout if your animal dies. Instead, death benefits — if they are included — are usually limited to the cost you paid for your animal. If you are getting a new pet and are concerned about what will happen if they get sick soon after you bring them home, make sure to research pet purchase protection laws so you know your rights in your state.

How much does pet insurance cost?

Pet insurance plans average
$10 to $50 per month.

On average, expect to pay anywhere from $10 to $50 per month for a pet insurance plan. Accident-only plans are typically cheaper. Coverage that includes preventive care costs more. Overall, how much you pay varies depending on your location, what type of pet you have, your pet's age and what type of coverage you choose.

Similarly to human health insurance, pet insurance also has premiums, deductibles, copays 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 you have to pay for vet care before the insurance company starts to pay. Policies with higher deductibles cost less, but keep in mind you will pay more out of pocket before the insurance company begins reimbursing you.
  • Copay: Most insurance policies will cover only a portion of medical expenses even after you’ve met your deductible. For example, your policy might reimburse you 80% of the cost of care, leaving you responsible for 20%. Many companies allow you to choose a reimbursement percentage from several options. For example, you might be able to choose a policy with a reimbursement of 70%, 80% or 90%. The higher the reimbursement level, the more expensive the coverage is.
  • Maximum payout: Most insurance policies will have a maximum payout limit, whether it's a certain amount each year, per event or during the lifetime of your policy. Once it's reached, you will cover 100% of the costs.
  • Extra costs: Pets with existing conditions or who are older in age may be refused coverage or might require higher premiums for coverage. Be sure to read a policy carefully to determine if there are extra fees for covering your pet.

How to choose pet insurance

vet holding dog and cat

As with many other important purchases, we suggest considering multiple companies before deciding on a pet insurance plan. Compare coverage plans, read reviews and get quotes.

  1. Research plan options: Think about the type of coverage that’s most essential to you. If you’re most worried about paying for expensive wellness care each year, make sure you look for plans that cover that.
  2. Consider pet eligibility requirements: Most of the time, you can get a policy for any dog or cat as long as they are at least six or eight weeks old. However, some providers have age restrictions, breed exclusions and exam requirements before you can be eligible for enrollment.
  3. Look for discount opportunities: Many companies offer discounts for military members and those who enroll more than one pet in a plan. If you work for a company with a partnership with a particular insurer, you might be eligible for even more discounts. In some states, you can combine discount opportunities to get up to 25% off your monthly bill.
  4. Ask about the network or provider list: Some pet insurance companies like to restrict where you can take your pet for care. If you live in an area with limited options, make sure your plan lets you visit any licensed veterinarian. This is also smart if you already have a vet that you really like.
  5. Understand specific coverages and exclusions: There’s not much worse than thinking that you’re covered for an expensive bill only to find out you’re on your own. Don’t be afraid to ask questions about genetic or hereditary illnesses common to your pet, especially if you have a pooch that is susceptible to breed-specific health risks.

Pet insurance questions

Is pet insurance worth it?
Buying pet insurance can be worth it if you anticipate nonroutine medical expenses for your animal. Those who benefit the most tend to be first-time pet owners who appreciate the peace of mind knowing they can take their puppy or kitten to the vet without paying 100% out-of-pocket for care after an accident or illness. It could also be worth it for those with older pets and owners of multiple pets, who are more likely to make vet visits throughout the year.
What is pet insurance?
Pet insurance is a policy that reimburses you for specific veterinary expenses. Depending on the provider, plans can include coverage for accidents, illnesses and wellness care. Pet insurance has an annual deductible, a reimbursement percentage and annual caps.
Does pet insurance cover preexisting conditions?
No, pet insurance doesn’t cover preexisting conditions.
Can you have two pet insurance policies?
Yes, you can have more than one insurance policy for your pet. You might, for instance, have a policy that covers accidents and illnesses and an add-on that covers wellness care. Some providers offer a discount for enrolling more than one animal in pet insurance plans.
Does pet insurance cover multiple pets?
You will need a separate plan for each pet. Luckily, many of the top pet insurance companies offer discounts when you enroll more than one cat or dog.
Can you get pet insurance for older dogs?
Yes, you can get pet insurance for older dogs from some providers. However, you might have to pay a higher premium. Some companies do set age limits and restrictions. If there is an age limit, it’s usually between 10 and 15 years old.
Do I need health insurance for my cat?
It’s not required, but health insurance for a cat can save you lots of money if you end up using it. For felines, the most expensive treatments are for cancer and other chronic conditions, which a reasonable policy would cover. Generally, vet care for a dog costs more than for a cat, which is why dog insurance is more expensive than cat insurance.

Not sure how to choose?

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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.

    Read 486 Reviews
    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 778 Reviews

    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.

    • High annual limits: With annual expense reimbursements reaching up to $22,000 per year, pet parents will have access to a high level of care.
    • Tiered pricing: Get as much or as little coverage as needed, based on personal circumstances. For those that have access to in-home care, Bronze coverage gives them the same health benefits without the added costs for boarding coverage.
    • Customizable coverage: In addition to tiered coverage, there is also considerable customization available. Choose a deductible and reimbursement level based on personal finances and affordability.
    • No networks: Petplan policyholders can pick and choose their pet health provider. There are no networks or preferred providers.
    • Fast reimbursement: Vet bills can cost thousands of dollars, so quick reimbursement can be crucial. Petplan typically processes and pays out on claims within 14 days.
    Read 421 Reviews

    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.

    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.

    Read 6 Reviews

    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.

    Read 267 Reviews
    24PetWatch Pet Insurance

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

    Read more about 24PetWatch Pet Insurance
    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.

    • Ability to compare plans: Embrace has a great website that allows consumers to compare their plans with other insurance companies in order to choose the best option.
    • Covers both dogs and cats: Embrace will cover treatment for both dogs and cats of any age.
    • Experienced: They have been in business for almost 10 years and are a trusted name in the industry.
    • No per-incident limitations: Embrace doesn't restrict the overall amount you can be reimbursed for a specific accident or illness like many insurance companies do.
    • Hereditary and genetic condition coverage: Embrace covers genetic conditions that your pet might be prone to, such as digestive issues or dysplasia, in full up to the annual maximum that you have chosen.
    Read 389 Reviews
    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.

    Read 162 Reviews
    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.

    Read 440 Reviews
    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.

    Read 5 Reviews
    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.

    • Healthcare made easy: Figo Pet Insurance's simple claims process makes it easy to upload a bill and be reimbursed for veterinary expenses.
    • Easy-to-use mobile app: Figo Pet Insurance's Pet Cloud app allows owners to track their pets if they wander off as well as locate nearby veterinarians, parks and pet-friendly restaurants and hotels.
    • Centralized records: Subscribers can upload documents such as vital records, certificates and special moments directly into the Figo Pet Insurance Pet Cloud app from any device.
    • Automated alerts: Figo Pet Insurance's Pet Cloud app automatically sends alerts to remind pet owners of veterinarian appointments and office visits.
    • Personalized options: Figo Pet Insurance offers a variety of different plans that allow subscribers to choose the level of care that best fits their budget.
    Read 235 Reviews
    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.

    Pumpkin offers pet insurance with preventive care coverage for dogs and cats. Customers get reimbursed when they take their animal to any licensed vet in the U.S. or Canada.

    • Eligible pets: All dogs and cats are eligible for coverage. There’s no age limits or breed exclusions.
    • Coverage: Plans come with coverage for accidents and illnesses, including dental and periodontal issues. The optional preventive care package comes with additional wellness benefits.
    • Plan details: All plans have a 90% reimbursement rate. Deductibles and benefit limits vary. You can get discounts when you enroll multiple pets.
    • Waiting period: The waiting period is two weeks or less for all conditions.
    Hartville Pet Insurance

    Hartville Pet Insurance provides accident-only and complete coverage for dogs and cats. Policyholders can review benefits and submit claims through a mobile app. Get reimbursed for vet visits throughout the U.S.

    • Coverage: Complete coverage includes accidents, illnesses, hereditary conditions and behavioral issues. Pre-existing conditions, cosmetic procedures and breeding costs are excluded.
    • Plan details: Annual deductibles range from $100 to $500. Reimbursement rates are between 70% and 90%. Unlimited annual coverage benefits are available.
    • Waiting period: Waiting periods and other terms vary by state.
    • Underwriting: Products are underwritten by the United States Fire Insurance Company, produced and administered by C&F Insurance Agency, Inc.
    Companion Protect

    Companion Protect offers coverage for dogs and cats in most states. There are no breed of age restrictions. Policyholders can cancel coverage anytime.

    • Coverage: Commonly covered illnesses include cancer treatments, kidney disease and hip dysplasia. Accident coverage pays for injuries, such as if your pet is hit by a car or bitten by another animal. Holistic and alternative care coverage is also available.
    • Plan details: All plans have a flat 10% copay and $100 deductible. Premiums don’t increase as your pet ages. In most states, a lifetime coverage benefit of $100,000 applies.
    • Discounts: Get discounts for enrolling an additional pet. Members of the military and animal rescue center employees also get discounts.
    • Customer service: Representatives are available Monday through Friday, 8 a.m. to 8 p.m., and from 9 a.m. to 9 p.m. on Saturday and Sunday.

    PetPartners specializes in accident and illness coverage for dogs and cats. Plans have customizable deductibles, coinsurance and limits.

    • Plan details: Reimbursement rates from 70% - 90%. Deductibles range $100 - $1,000. Coverage starts around $15 per month. Accident-only plans also available.
    • Memorial coverage: PetPartners offers optional add-on coverage for costs associated with cremation, burial and monuments.
    • Trial period: New customers have 30 days to decide if the full-term policy is right for them. Partners will provide a 100% refund of your premium as long as no claims have been filed during this time.
    • Additional perks: Policyholders enjoy access to an easy-to-use mobile app, 24/7 veterinarian helpline and expert customer care.

    Eusoh offers an alternative to traditional pet health insurance. Pets of all ages and all breeds are eligible for coverage. It is currently available throughout the U.S.

    • Costs: Monthly subscription fee is $17 to $65.
    • Coverage: With Eusoh, you get paid through a reimbursement model. The company helps cover expenses related to injuries, illnesses, hereditary and congenital conditions, cancer, surgeries, prescribed medications, alternative treatments, wellness care and annual check-ups.
    • Ambassador program: Members can earn extra money by telling other pet-parents about Eusoh.
    • Trial period: The company offers a 30-day, 100% money-back guarantee.

    Compare Top Pet Insurance Companies

    by 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.