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Best Pet Insurance

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by Matthew Brodsky Insurance Contributing Editor

Our research team vetted 22 pet insurance companies that have been rated by more than 3,450 verified customers. Read our guide to find the best pet insurance provider for you by comparing plans, age limits, deductibles, reimbursement rates, annual limits, pricing and reviews.

Our 5 picks for top pet insurance companies

Veterinary care can get expensive, especially for chronic conditions and accidental injuries. With a pet insurance plan, you don’t have to worry as much about budgeting for the unknown, though.

The best pet insurance plans are reasonably priced and highly rated by customers. They offer multiple coverage options and reimburse costs at licensed vets across the U.S. For more on how we chose our top picks, read our methodology process.

Our top pickLemonade Pet InsuranceAUTHORIZED PARTNER
  • Upper age limit: Varies
  • Deductible: $100 - $500
  • Reimbursement rates: 70% - 90%
  • Annual limits: $5,000 - $50,000

Lemonade is our top pick for pet insurance because it has great reviews, flexible coverage and a top-rated app. Plans have straightforward terms and come in handy during unexpected emergencies. You can sign up online or through the app.

Cost: Plans start around $10 per month. For a healthy 1-year-old Labrador retriever in Dallas, Texas, we were quoted $35.58 per month for a plan with a $250 annual deductible, 80% reimbursement rate and $20,000 yearly limit.

Reviews: Happy customers frequently leave reviews on ConsumerAffairs that mention Lemonade’s simple claims and reimbursement process. “[The] staff is caring and always asks about my dog and her wellbeing and make the claims process smooth. The claims process is also streamlined with the use of the mobile app,” said one reviewer in Virginia earlier this year.

A customer in New York said the reps are “considerate, thorough, accurate, quick and most reasonable in providing the service they are in business to provide. They are also very willing to reconsider their claims in light of new or clarified information you provide them.”

PROS

  • Excellent customer reviews
  • Easy-to-use app
  • Quick claims process
  • Optional wellness package
  • Discounts for multiple pets

CONS

  • Not currently available in all states
  • No coverage for behavioral treatments
  • No accident-only plan
Runner-upFigo Pet InsuranceAUTHORIZED PARTNER
  • Upper age limit: None
  • Deductible: $100 - $750
  • Reimbursement rates: 70% - 100%
  • Annual limits: $5,000 - unlimited

Figo has great ratings, flexible coverage and nationwide availability. Plans come with 24/7 access to virtual veterinarian care and the Figo Pet Cloud app. Through the app, nearby pet owners can chat, plan play dates and share photos. Waiting periods are short for new illnesses and accidents — coverage usually kicks in within a week or two after purchasing a plan, depending on the care needed and where you live.

Cost: Figo plans average $1.50 per day. For a 1-year-old Labrador retriever in Dallas, Texas, we were quoted $38.52 per month on Figo’s Preferred Plan. It comes with a $10,000 annual limit, an 80% reimbursement rate and a $250 deductible.

Reviews: The majority of Figo reviewers on our site say they would recommend the company to a friend or family member. “They have covered everything they said they would,” according to one customer in Texas this year. “I'm so glad I got this pet insurance when Wrigley was a pup because he has had multiple issues that would [have] put me in a bind if I did not have the coverage.” Other reviewers are happy with the cat plans, too.

PROS

  • Easy to submit claims
  • Friendly customer service
  • Virtual vet visits available
  • Short waiting periods
  • 30-day money-back guarantee

CONS

  • Automatic renewal policy
  • Some claims denied
  • No price-lock guarantee
Our pick for customer supportEmbrace Pet InsuranceAUTHORIZED PARTNER
  • Upper age limit: 15 years for full coverage
  • Deductible: $200 - $1,000
  • Reimbursement rates: 70% - 90%
  • Annual limits: $5,000 - $30,000

Embrace Pet Insurance offers “nose-to-tail” coverage for vet emergencies. We like that the company offers relatively high annual limits for dental illnesses — at $1,000 per year.

This company is a good fit for large dog breeds because it includes coverage for surgeries that veterinarians often recommend for big breeds, such as gastropexy. Embrace restricts its full accident and illness coverage to dogs and cats under 15 years old, but its accident-only policy could be a good option for older dogs.

Cost: Embrace dog insurance averages between $30 and $40 per month; cat insurance costs around $15 to $20 per month. For a 1-year-old Labrador retriever in Dallas, Texas, we were quoted $37.42 per month on Embrace’s suggested plan. It comes with a $10,000 yearly limit, an 80% reimbursement rate and a $750 deductible.

Reviews: “When my pet got attacked by a wolf and had to stay overnight at the pet emergency room, I knew I was in good hands with Embrace Pet Insurance. They took good care of me and our refund was truly [a] blessing,” a customer in Texas said earlier this year.

One customer in Kansas estimates that Embrace has reimbursed about 90% of their claims: “Anytime I have a question regarding my pet insurance, I get to talk to a real person who is genuine about my concerns.”

PROS

  • Reasonable rates
  • Good dental illness policy
  • Provides medical history reviews
  • Military and multiple-pet discounts
  • 30-day money-back guarantee

CONS

  • May not be available in all areas
  • Higher deductible range
  • Some age restrictions
Our pick for an older petTrustedPals Pet InsuranceAUTHORIZED PARTNER
  • Upper age limit: None
  • Deductible: $0 - $750
  • Reimbursement rates: 70% - 100%
  • Annual limits: $4,000 - unlimited

TrustedPals stands out for its $0 deductible option. It offers flexible deductibles, copays, reimbursement rates and annual limits. It has excellent customer service, but we’ve seen websites that are easier to navigate.

Accident and illness plans include coverage for most expenses related to prescribed veterinary care, including behavioral training and therapies. The Wellness policy covers routine care, such as annual exams, heartworm testing and prescription pet food.

Cost: For a 1-year-old Labrador retriever in Dallas, Texas, we were quoted $43 per month on TrustedPal’s most popular option. It comes with an $8,000 yearly limit, 80% reimbursements and a $250 deductible.

Reviews: Highlights from 5-star reviews include praise for the customer service and efficient claims process. One customer in Georgia even said that “it feels like the Chick-fil-A of pet insurance companies!”

Others mention customer service. “I’ve filed three claims so far, and the response time and interactions have exceeded my expectations,” said a reviewer in Florida. “Filing a claim is very easy. Response times even during holidays have been within 24-72 hours.”

PROS

  • No age limits
  • Covers prescription food and supplements
  • Helpful customer service
  • Multiple discounts available
  • Flexible plans with unlimited benefits available

CONS

  • TrustedSpotter program not available in all states
  • May not be available in all areas
  • Limited preventive care coverage
Our pick for easy claims processSpot Pet InsuranceAUTHORIZED PARTNER
  • Upper age limit: None
  • Deductible: $100 - $1,000
  • Reimbursement rates: 70% - 90%
  • Annual limits: $2,500 - unlimited

SPOT is a good pick for those who want a no-hassle claims process and flexible options. Like our other top picks (and most companies in the industry), it doesn’t cover preexisting conditions.

Cost: Costs vary based on your selected coverage and location. For a 1-year-old Labrador retriever in Dallas, Texas, we were quoted $47.54 per month on SPOT’s most popular option for accident and illness coverage. The plan comes with a $4,000 annual limit, $250 deductible and 80% reimbursement rate. We were given the option to add preventive care and wellness coverage to the policy for a little extra cost.

Reviews: One customer in Florida got a plan for their 5-year-old Pomeranian. When a specialist recommended surgery for a colon tumor, SPOT covered most of the expenses. “Without SPOT pet insurance we would have no choice but to put him down. SPOT paid for so much … it was easy for us to pay our part and keep our sweet boy,” the reviewer said.

A reviewer in California said that the company paid out two claims and was wonderful to deal with. Unfortunately, the dog didn’t make it, but SPOT “backdated my cancellation date to the date he passed (w/out me even asking) and send a sympathy card. Highly, highly recommend Spot insurance. I will come back when I get another dog.”

PROS

  • No per-incident limits or lifetime caps
  • Alternative therapy coverage
  • 30-day money-back guarantee
  • Online claim filing
  • Good customer support

CONS

  • Higher premiums for older pets
  • Some documentation required
  • Exclusions for some conditions

Compare Pet Insurance Reviews

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    Is pet insurance worth it?

    Buying pet insurance can be worth it if you're concerned about paying for expensive, nonroutine medical care when your pet is ill or injured.

    Pet owners usually get a plan because they want to provide as much care as possible for their best friends. With the right pet insurance coverage, you don’t have to worry as much about budgeting for unexpected veterinary care.

    If you’re a first-time pet owner, you might appreciate knowing that you can take your animal to the vet after an accident or illness without paying 100% of the bill out of pocket.

    However, pet insurance can also be worth it if you have an older pet or multiple animals. If you fall into either of these categories, you’re more likely to visit the vet for an accident or illness, so potential savings are more likely.

    How to choose the best pet insurance company for you

    With so many options available, it can be tough to know which pet insurance company to choose. As with other important purchases, we suggest considering multiple companies before deciding on a pet insurance provider.

    Here are some steps you can take to find the best pet insurance for you.

    1. Research plan options: Think about the type of coverage that’s most important to you. If you’re most worried about paying for expensive wellness care each year, be sure to find plans that cover that.
    2. Consider pet eligibility requirements: You can usually get a policy for your dog or cat as long as they are at least 6 to 8 weeks old. However, some pet insurers have age restrictions, breed exclusions and exam requirements before your pet is eligible for coverage.
    3. Look for discount opportunities: Many companies offer discounts for pet parents who are military members, and if you work for a company that has 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 may 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: Read through your policy carefully. You don’t want to go into the vet thinking you’re covered for an expensive bill only to find out you’re on your own. Don’t be afraid to ask your insurer questions about genetic or hereditary illnesses common to your pet, especially if they’re susceptible to breed-specific health risks, such as hip dysplasia and other congenital conditions.

    How does pet insurance work?

    With pet insurance, you typically pay for the services out of pocket when visiting a veterinarian. After, you file a claim with your pet insurance company. If approved, your insurer reimburses you by direct deposit or by mail. The amount you're reimbursed depends on the plan you choose, but it’s usually a percentage of the overall cost.

    Like human health insurance, pet insurance makes it more affordable to get care."

    Pet insurance is similar to human health insurance in some ways and different in others. Like human health insurance, pet insurance makes it more affordable to get care. Similarly, policies also have 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 that you will pay more out of pocket before the insurance company begins reimbursing you.
    • Reimbursements: Most insurance policies 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 the other 20%. Many companies let you 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%. Plans with higher reimbursement percentages are typically more expensive.
    • Maximum payout: Many insurance policies 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 must cover 100% of the costs.

    There’s also typically a waiting period after signing up for a pet insurance plan — during this time, you can’t make a claim and expect a payout.

    What does pet insurance cover?

    Depending on the level of coverage you want, plans can cover accidents, illnesses and chronic conditions. Coverage varies from plan to plan, but here are some things that are typically included:

    • Infections
    • Ear illnesses
    • Eye illnesses
    • Bone fractures or breaks
    • Flea-borne illnesses
    • Foreign body ingestion
    • Lacerations
    • Insect bites

    Most plans are designed to cover unexpected accidents and illnesses for dogs and cats. If you have an exotic pet, such as a guinea pig or a bird, you can look at companies that provide exotic pet insurance.

    While coverage specifics differ from provider to provider, we’ve outlined some standard levels of coverage below.

    This traditional form of pet insurance generally covers accidental injuries, such as damage from car accidents or potential poisonings. Sometimes called accident-only coverage, these policies typically have deductibles and caps on total payouts per policy term.
    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.
    If you want coverage to help pay for routine pet care, then you should look for a wellness plan. These plans can help you pay for annual exams, teeth cleanings, vaccinations, other preventive health care and prescription medicines.
    Some veterinarians offer their clients discount packages that provide deals on care and checkups. Vets and pet stores sometimes team up to offer exclusive specials on cat food or dog food, plus supplies, treatment and care.
    Life and theft insurance can be bought as a separate plan for exotic pets or other pets that are worth a lot to their owners. You can also consider liability coverage to protect you financially should your pet bite or harm another person. Typically, homeowners insurance provides enough protection, but additional insurance may be needed for more aggressive breeds.
    vet holding dog and cat

    What does pet insurance not cover?

    You might assume pet insurance covers all medical issues and expenses, but there are exclusions. Here are some common things not covered:

    • Preexisting conditions
    • Examination fees
    • Preventive care
    • Cosmetic procedures
    • Issues from owner negligence
    • Breeding costs

    Exclusions vary by policy and provider, though. Basic plans don’t usually cover routine illnesses; they cover only accidents. Comprehensive plans cover illnesses and developed conditions, but usually not routine care.

    Pet insurance is not like life insurance — you don’t get a 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?

    On average, expect to pay anywhere from $10 to $60 per month for a good pet insurance plan. 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. Accident-only plans are typically cheaper. Coverage that includes preventive care costs more.

    Pet insurance plans average
    $10 to $60 per month.

    Ultimately, how much you pay varies depending on:

    • Your location
    • What type of pet you have
    • Your pet's age
    • What type of coverage you choose

    Basic coverage is typically the cheapest, while comprehensive plans and add-on wellness packages require higher premiums.

    Pet insurance comparison chart

    Below, compare popular pet insurance plans from our top-recommended companies. Quotes were collected between May 5 and June 15, 2021, and show the suggested accident and illness coverage plans for a 1-year-old Labrador retriever in Dallas, Texas.

    Monthly cost*Annual deductibleAnnual coverage limitReimbursement rate
    lemonade pet insurance logo$35.58$250$20,00080%
    figo pet insurance logo$38.52$250$10,00080%
    embrace pet insurance logo$37.42$750$10,00080%
    aspca pet health insurance logo$45.21$250$15,00080%
    spot pet insurance logo$47.54$250$4,00080%
    lemonade pet insurance logo$35.58$250$20,00080%
    figo pet insurance logo$38.52$250$10,00080%
    embrace pet insurance logo$37.42$750$10,00080%
    aspca pet health insurance logo$42.51$250$15,00080%
    spot pet insurance logo$47.54$250$4,00080%
    All prices accurate as of time of publication.

    Pet insurance FAQ

    Pet insurance is a policy that reimburses you for covered veterinary expenses. Depending on the provider, plans can include coverage for accidents, illnesses and wellness care. Like other types of insurance, pet insurance plans typically have annual deductibles, reimbursement rates and benefit caps.
    Yes, you can have more than one pet insurance policy for your pet. You might, for instance, have a policy that covers accidents and illnesses and an add-on policy that covers wellness care.
    Yes, many pet insurance providers offer coverage for older dogs. However, you might have to pay a higher premium. Some companies do set age limits and restrictions, though. If there is an age limit, it’s usually between 9 and 15 years.
    It’s not required, but insurance for a cat can save you lots of money if you end up using it. For felines, the most expensive treatments are usually for cancer and other chronic conditions, which a comprehensive policy should cover.

    Generally, vet care for a dog costs more than for a cat, which is why dog insurance is more expensive than cat insurance.

    Methodology

    To choose our top pet insurance providers, we started with a list of 22 popular pet insurance companies. To narrow the options, we first considered overall customer satisfaction ratings. Providers with an overall satisfaction rating below 3.5 stars were eliminated first, leaving nine companies. To stay on the list, companies had to have at least twice as many 5-star reviews as 1-star reviews over the last year (June 15, 2020, through June 15, 2021).

    The ConsumerAffairs Research Team then analyzed recent reviews from verified customers to make recommendations. For example, SPOT is our pick for an easy claims process because of the high density of certain recurring phrases (e.g., “easy file claims,” “claims very helpful”) in verified 5-star reviews on our site over the last year.

    Not sure how to choose?

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      Pet insurance reviews

      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 accidents so that owners don't have to pay out of pocket for vet bills.

      Pumpkin

      Pumpkin offers pet insurance and 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. There are no age limits or breed exclusions. 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. Complete coverage includes accidents, illnesses, hereditary conditions, behavioral issues and dental disease. Preexisting conditions, cosmetic procedures and breeding costs are excluded.

          Companion Protect

          Companion Protect offers coverage for dogs and cats with no breed or age restrictions. All plans have a flat 10% copay and a $100 annual deductible. Premiums don’t increase as your pet ages. In most states, a lifetime coverage benefit of $100,000 applies.

            PetPartners

            PetPartners specializes in accident and illness coverage for dogs and cats. Plans have customizable deductibles and coinsurance. Policyholders enjoy access to an easy-to-use mobile app, 24/7 veterinarian helpline and customer care.

              Eusoh

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

                Compare Pet Insurance Reviews

                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.

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