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Find the Best Pet Insurance

Quick and easy. Get matched with a Pet Insurance partner.

by Matthew Brodsky Insurance Contributing Editor

Veterinary care can get expensive, especially for chronic conditions and accidental injuries. With a pet insurance plan, you don’t have to worry so much about budgeting for the unknown. Read our guide to find the right provider for you by comparing coverage plans, pricing and reviews. Our research team vetted 22 pet insurance companies that have been rated by more than 3,450 verified customers.

Our picks for top pet insurance companies

To narrow down the companies listed on this guide, we first eliminated those with an overall satisfaction rating below 3.5 stars. To stay on the list, we then required our top picks to have a minimum 2:1 ratio of 5-star reviews to 1-star reviews over the last year (May 3, 2020, through May 3, 2021).

We also considered availability and coverage options when making the final selections. Finally, we 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.

Our top pick overallFigo Pet InsuranceAUTHORIZED PARTNER
  • Reimbursement rates: 70% to 100%
  • Deductible range: $100 to $750
  • Annual coverage limit: $5,000 to unlimited

Figo is our top pick overall because it’s got great ratings, flexible coverage plans and nationwide availability. Plus, waiting periods are short for new illnesses and accidents — coverage usually kicks within a week or two after purchasing a plan, depending on the care needed and where you live.

Plans come with access to 24/7 virtual veterinarians and the Figo Pet Cloud app. Through the app, nearby pet owners can connect to chat, plan play dates and share photos.

Plans and pricing
Figo plans average $1.50 per day, but plans for dogs and cats vary and are highly customizable. Your pet’s age, breed and location can affect your premiums, and your monthly costs will go up or down if you adjust your plan, annual deductible, copay, exam fee coverage or discount eligibility. A one-time enrollment fee, which varies by state, may apply.

For a 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, 80% reimbursement rate and a $250 deductible.

Here are Figo’s plan options:

  • Essential Plan: Covers accidents and illnesses up to $5,000 per year.
  • Preferred Plan: Covers accidents and illnesses up to $10,000 per year.
  • Ultimate Plan: Covers accidents and illnesses with unlimited annual benefits in most states, but there is a $20,000 cap in Washington and Massachusetts.
  • Veterinary Exam Fees powerup: Optional upgrade to add coverage for exam fees, wellness care and preventive visits. Figo quoted us $6.61 per month to add to the Preferred plan.
  • Extra Care Pack powerup: Optional upgrade to add coverage for final respects, lost pet advertising, qualified vacation cancellations, pet theft or loss due to straying and third-party property damage liability.
Claims and coverage
Figo reimburses treatments at any licensed veterinary clinic in the United States, Canada or Puerto Rico. To file a claim, you can send in medical records and paid invoices through the app, website, email or fax.

All Figo plans cover emergency and hospitalization care, including diagnostic testing, congenital and hereditary diseases, cancer treatments and chronic conditions. However, policies don’t provide coverage for routine wellness or preventive care. Independence American Insurance Company (IAIC) underwrites plan coverage.

What reviewers say
The majority of Figo customers we saw say they would recommend the company to a friend or family member. Plans have straightforward terms and come in handy during unexpected situations.

“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 of [sic] put me in a bind if I did not have the coverage.” Other reviewers are happy with the cat plans, too.


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


  • Automatic renewal policy
  • Some claims denied
  • No price-lock guarantee


Figo plans are designed with the urban pet parent in mind. If you don’t want to manage your account through an app, check out TrustedPals.

Our pick for customer support Embrace Pet InsuranceAUTHORIZED PARTNER
  • Reimbursement rates: 70% to 90%
  • Deductible range: $200 to $1,000
  • Annual coverage limit: $5,000 to $30,000

Embrace Pet Insurance offers “nose-to-tail” coverage for vet emergencies. Dogs and cats under 14 are eligible for complete accident and illness policies. For pets over the age of 14, accident-only plans are available.

We like that the company offers relatively high coverage for dental illnesses at $1,000 per year. The company could also be a good fit for large dog breeds because it includes coverage for surgeries that veterinarians often recommend to big breeds, such as gastropexy.

Plans and pricing
Embrace dog insurance averages between $30 and $40 per month; cat insurance costs around $15 to $20 per month. There’s a one-time $25 enrollment fee and a recurring $1 processing fee per month if you pay monthly.

For a 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.

Here are Embrace’s plan options:

  • Accident-only policy: Older pets and those with certain preexisting conditions are eligible. However, preexisting conditions won’t be covered. There is a two-day waiting period for coverage.
  • Accident & Illness: Covers most prescribed veterinary treatments and procedures. Policies have a 14-day waiting period for illnesses and a two-day waiting period for accidents.
  • Wellness Rewards: Wellness Rewards is a reimbursement plan designed to be paid in full over a 12-month policy term. Programs are available with $250 to $650 annual limits.
Claims and coverage
Accidents, such as cuts and car accidents, are covered in all Embrace plans. Comprehensive plans include coverage for medical and dental illnesses; genetic conditions; cancer; and chronic conditions, such as allergies, diabetes and arthritis. Accident and illness plans also include behavioral therapy.

You can submit claims online or through an app, fax, email or the mail. Embrace won’t reduce the coverage based on your pet’s age, health or how many claims you file. Plans are administered by Embrace Pet Insurance Agency and underwritten by the American Modern Insurance Group.

What reviewers say
As of early May, about 72% of Embrace customers would recommend the company to a friend. It’s nice to see that most people aren’t surprised by a specific exclusion down the road.

“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.

Another customer 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.”


  • Reasonable rates
  • Easy to submit claims
  • Good dental illness coverage
  • Provides medical history reviews
  • Military and multiple pet discounts
  • 30-day money-back guarantee


  • Some claims denied
  • May not be available in all areas
  • Higher deductible range


Embrace Pet Insurance has good coverage for emergencies, but it may not be the best option for older dogs and cats. For a plan with $0 deductible options and no upper age limits, check out TrustedPals.

Our pick for horsesASPCA Pet Health InsuranceAUTHORIZED PARTNER
  • Reimbursement rates: 70% to 90%
  • Deductible range: $100 to $500
  • Annual coverage limit: $3,000 to $15,000

ASPCA Pet Health Insurance offers customizable plans for dogs, cats and horses. Plan highlights include coverage for exam fees and up to 90% back on covered veterinary expenses. Through its My Pet Insurance app, you can file claims, pay bills and find nearby vet clinics.

Plans and pricing
For a year-old Labrador retriever in Dallas, Texas, we were quoted $47.54 per month on ASPCA Pet Health Insurance’s Complete Coverage. It comes with a $4,000 yearly limit, an 80% reimbursement rate and a $250 annual deductible. For accident-only plans, ASPCA Pet Health Insurance quoted us $24.48 per month.

Here are ASPCA Pet Health Insurance’s dog and cat plans:

  • Accident-Only Coverage: Covers new injuries and emergencies related to accidents. There is no waiting period for accidents.
  • Complete Coverage: Covers accidents and illnesses. Illness coverage kicks in 14 days after the policy's effective date.
  • Preventive Care: Optional upgrade to get cash back for routine care. This add-on starts around $10 per month.

For horses, plans start around $20 per month, depending on your chosen plan and other factors, like whether or not your horse has ever been used for racing, had surgery for colic or showed certain medical symptoms:

  • Colic + Accidents: Each of ASPCA’s Pet Health Insurance’s plans for horses includes coverage for colic, no matter the cause. This plan also covers accidents, like cuts and hoof abscesses.
  • Colic + Accidents + Illnesses: Also covers illnesses, like Cushing’s disease and hereditary conditions.
  • Preventive Care: Covers services that help keep your horse healthy for an additional monthly cost.
Claims and coverage
Accident-only plans include exam fees and costs of accident-related diagnostics and treatments. Complete Coverage includes accidents, illnesses, hereditary and congenital conditions and behavioral issues. Preventive Care upgrades cover yearly exams, flea and heartworm medications and dental cleanings. For horses, coverage is available for colic, accidents and illnesses.

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

All this company’s products are underwritten by the United States Fire Insurance Company and administered by C&F Insurance Agency Inc.

What reviewers say
According to our analysis of recent 5-star reviews, about 75% of ASPCA Pet Health Insurance policyholders would recommend the plan to a friend. Some of the happiest customers mention the simple claims process, prompt reimbursements and knowledgeable reps.

“ASPCA is straight-up the best animal pet insurance company that I have had for my dog,” according to a customer in Illinois. “I took out the more pricey insurance because our dog is older, but claims are processed in a timely manner and overall has given me the peace of mind that my dog will get the best care with this insurance.”


  • Easy to submit claims
  • Provides horse insurance
  • No upper age limit
  • Discount for multiple pets
  • Available nationwide
  • 30-day money-back guarantee


  • Some claims denied
  • Rates could increase over time
  • Horse insurance not fully supported by quote tool


ASPCA is one of the few providers that offer coverage plans for horses. However, if you are looking for another pet and you want a 100% reimbursement rate, consider TrustedPals or Figo.

Our pick for older dogs and catsTrustedPals Pet InsuranceAUTHORIZED PARTNER
  • Reimbursement rates: 70% to 100%
  • Deductible range: $0 to $750
  • Annual coverage limit: $4,000 to unlimited

TrustedPals has flexible deductibles, copays, reimbursement rates and annual limits. Policyholders also get access to the company’s real-time “pet finder” program.

You can get a 5% discount for enrolling multiple pets, and you may qualify for an additional 5% discount if you’re a veteran, you have a service animal or you meet other criteria. We also like that the company pledges 1% of all profits to help homeless pets affected by natural disasters.

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

You can save a little bit of money with all of TrustedPal’s options by opting into an annual payment schedule. Be aware that advertised prices do not include the one-time application fee. A monthly transaction fee may also apply.

  • Accident & Illness: Plans are available for dogs and cats. Starting costs vary based on your pet’s breed, age, location and sex.
  • Wellness: We were quoted $21 per month to add a Wellness plan. Wellness plans are limited to $750 in reimbursement.
Claims and coverage
Accident & 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.

TrustedPals also makes it easy to make claims by phone or through its online portal — the process typically takes about two minutes. Most claims are sorted within 10 business days. Zurich American Insurance Company, American Zurich Insurance Company and Zurich American Insurance Company of Illinois provide the actual insurance coverage.

What reviewers say
In early May 2021, our analysis of recent reviews showed that about 90% of existing TrustedPals customers would recommend the company to a friend. Highlights from 5-star reviews include praise for the customer service, fair pricing model and claims process.

“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 to 72 hours.”

Multiple reviewers mention how nice customer representatives are. One customer in Georgia even said that “it feels like the Chick-fil-A of pet insurance companies!”


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


  • TrustedSpotter program not available in all states
  • Limited preventive care coverage
  • No app


TrustedPals stands out for its $0 deductible option. It has excellent customer service, but some reviewers indicate that the website could be easier to use. If you want a smoother digital experience, check out Figo.

Our top pick overallSpot Pet InsuranceAUTHORIZED PARTNER
  • Reimbursement rates: 70% to 90%
  • Deductible range: $100 to $1,000
  • Annual coverage limit: $2,500 to unlimited

SPOT offers flexible plans for dogs and cats. Accident-only coverage is ideal for those who only want coverage for unexpected injuries. Upgrades to add illness, wellness and preventive care coverages are also available. You can get a 10% discount for each extra pet you enroll.

Plans and pricing
Costs vary based on your selected coverage and location. For a year-old Labrador retriever in Dallas, Texas, we were quoted $47.54 per month on SPOT’s most popular options 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.
  • Cat insurance: Accident-only coverage starts around $11 per month.
  • Dog insurance: Accident-only coverage starts around $15 per month.
  • Preventive care: SPOT quoted us $9.95 to $24.95 for preventive care packages with maximum annual benefits.
Claims and coverage
In addition to accidents, illnesses, behavioral issues and hereditary conditions, SPOT Pet Insurance also covers alternative therapies and chronic conditions. Therapeutic diets, dietary supplements and microchipping are included too.

From the date of treatment, you have 270 days to submit a claim. This is done through the company’s login page. SPOT contacts your veterinarian directly if medical records are needed. You’ll get an email when your claim is received, and you can check the status online at any time. United States Fire Insurance Company underwrites SPOT insurance plans.

What reviewers say
Nearly 100% of verified SPOT reviewers we talked to say they would recommend the company to a friend or family member. 5-star reviews commonly mention reasonable rates, easy claims and prompt reimbursements. Customer service is described as “outstanding,” with “very helpful” personnel.

One customer in Florida got a plan for their five-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.

Another reviewer 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.”


  • Outstanding customer service
  • Easy claims process
  • No upper age limit
  • No per-incident limits or lifetime caps
  • Alternative therapy coverage
  • 30-day money-back guarantee


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


SPOT is a good pick for those who want a no-hassle claims process and flexible coverage options. Like our other top picks, it doesn’t offer coverage for preexisting conditions, though.

Compare Pet Insurance Reviews


Quick and easy. Get matched with a Pet Insurance partner.

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. Similarly, pet insurance may 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 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.

What does pet insurance cover?

Depending on the level of coverage you want, plans can include 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
  • Flea-borne illnesses
  • Foreign body ingestion
  • Car accidents
  • Lacerations
  • Insect bites
  • Bone fractures or breaks

Basic coverage is typically the cheapest, with comprehensive plans and add-on wellness packages adding to your baseline monthly costs. Plans are designed to cover unexpected accidents and illnesses.

Basic coverage
This traditional form of pet insurance generally covers anything accidental, such as unforeseen injuries caused by foreign objects, like 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, other preventive treatments 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 plans
For pets that are exotic or worth a lot to their owners, life and theft insurance can be bought as a separate plan. 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 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; they cover 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 $60 per month.

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.

Pets with existing conditions or who are older 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.

Pet insurance comparison chart

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

Monthly cost*Annual deductibleAnnual coverage limitReimbursement rate
Monthly cost*$38.52$37.42$47.54$43$47.54
Annual deductible$250$750$250$250$250
Annual coverage limit$10,000$10,000$4,000$8,000$4,000
Reimbursement rate80%80%80%80%80%

*Costs vary by state. Pricing will change based on the level of coverage you select and the terms of your policy, as well as your pet’s species, breed, age and other potential factors.

How to choose pet insurance

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

  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 FAQ

Is pet insurance worth it?
Buying pet insurance can be worth it if you anticipate nonroutine medical expenses for your animal. Most people get pet insurance because they always want to provide as much care as possible for their best friends. With the right coverage, you don’t have to worry so much about budgeting for unexpected veterinary care or emergency treatments.

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 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.
Does pet insurance cover preexisting conditions?
No, pet insurance generally 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.
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, some 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 nine and 15 years.
Do I need health insurance for my cat?
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 for cancer and other chronic conditions, which a reasonable comprehensive 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.
Guide sources
ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. To learn more about the content on our site, visit our FAQ page.
  1. Figo Pet Insurance, “Insurance Policy Sample.” Accessed May 5, 2021.
  2. Embrace Pet Insurance, “Pet Health Insurance Customizable Policy.” Accessed May 5, 2021.
  3. ASPCA Pet Health Insurance, “Sample Plans for Dogs & Cats.” Accessed May 5, 2021.
  4. ASPCA Pet Health Insurance, “Sample Plan for Horses.” Accessed May 5, 2021.
  5. TrustedPals, “Zurich Pet Illness And Injury Insurance Policy.” Accessed May 5, 2021.
  6. SPOT, “Sample Policy.” Accessed May 5, 2021.
  7. National Association of Insurance Commissioners (NAIC), “Pet Insurance.” Accessed May 3, 2021.

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    Pet insurance reviews

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                        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.